NEW • Delete a transaction: from the ⋯ menu in a transaction's details, remove an entry you recorded by mistake or twice, as if it was never recorded. Reports, budgets and balances for its month update; its refunds go with it, and a recurring occurrence is marked as skipped. Transactions tied to a loan, an order or a statement tell you where to handle them instead FIXED • The totals at the top of the Balance Sheet no longer stay on last month's figure on the 1st; entries and balance corrections made that day count right away • When you have entries dated after today, account group totals, credit cards, Buy Now Pay Later, settlements, holdings and goal progress now count only up to today, matching the Balance Sheet • Resuming a goal and pushing its stages back no longer fails when a stage passed during the pause • The end date you pick on a recurring transaction no longer resets to today after you open one of its planned entries and come back • Going back from a drill-down, such as in Category Analysis, no longer brings the tab bar back on top of the screen

GOALS, NOW IN STAGES • This month: goals with a deadline now work out how much to set aside this month, and any shortfall rolls into the months ahead. The Overview card leads with what's left this month • Stages: add checkpoints between start and finish (say, 20,000 by year end) and get a verdict as each stage ends • Missed a stage? Choose what happens next: keep the plan, spread the gap over later stages, push everything back, lower the target, or pause • Past the deadline: extend it, keep going with no deadline, or Stop here. Reached it: archive, start the next period, or raise the target • See how far an entry moves your goals while you record it • Transfer Monthly… on a savings goal sets up the recurring transfer in one step • Optional Goal Reminders for a monthly shortfall, a stage ending, a goal paused for 90 days and a goal reached, all off by default GOAL GROUPS • Put goals that measure different things together: a new home = down payment + clearing a credit card + renovation fund • All at once: see how many are done, the latest deadline, and which goal is projected to finish last • One after another: work on one goal at a time and tap Start next when it's reached. Queued goals aren't judged or nagged • Each new period of a goal lines up under Past periods • Groups themselves are free; the goals inside still count toward your goal limit WIDGETS AND APPLE WATCH • The Goals widget, Lock Screen and Apple Watch show what's left this month and which goals are paused; the widget and Lock Screen also name the group a goal belongs to • Tapping the Goals widget or a goal reminder opens that goal LOANS • Add a loan you've been paying for years: pick Already Repaying on a new drawdown and enter only what's still owed, payments left and the next payment date (Premium) • New loan accounts no longer ask for a balance (entering one used to fail on save), and you go straight on to the first drawdown BALANCE SHEET • Account Order now works in all three groupings (by type, by category and by institution), and the list shows exactly the order you set • New accounts land right after their group's default account, or at the top if they aren't in a group QUICK CAPTURE • Quick capture in Settings is reorganised into manual and automatic, with a page of illustrated steps for each one • Fixed the bank notification, message, mail and Wallet tap automations getting stuck or saving nothing when running on their own. If you added them before, add them again from their page SETTLEMENTS • Notes written when you collect or repay are no longer lost • Collections and borrowings no longer show up as payments in entry details • Incomplete and over-settled items are flagged; reversing a loan you've already partly collected now tells you how much came back first FASTER AND STEADIER • Saving an entry feels snappier and is written to disk faster, and switching away right after no longer loses it • Books with tens of thousands of entries load only the recent stretch at launch, so they open much faster and use far less memory • Pushing into and back out of screens animates again ALSO • Net Worth & Cash no longer drops part of the chart in months that only have refunds • Opening Income & Expense Trend on a very large book no longer gets the app closed by the system • Removed stray "**" marks from a goal footnote and the installment help text • If you use Keel on more than one device, please update all of them

JAPANESE AND KOREAN Keel now speaks 日本語 and 한국어. Traditional Chinese got a round of wording fixes too. GETTING STARTED • A rebuilt first run: explore the sample book or start right away, see your own balance sheet as soon as your accounts are in, and see where your first entry went • A getting-started checklist on Overview; fixed onboarding not appearing on the very first launch after install WIDGETS • Four new widgets: Goals, This Month, Accounts and Recent Entries — plus a large size for Monthly Budget • Coming Up now surfaces itself in Smart Stacks as a due date gets close • Fixed the two Control Center controls that didn't respond to taps BUDGETS • Sub-budgets: split your total into slices you can watch on their own — dining, kids, a project (Premium) • Budget review: every finished month with its result, overspend and limit changes • Limits can change over time — raise one mid-year and earlier months still use the limit they had • Step into future months, with scheduled payments and bills already counted • Leave chosen projects or tags out of a budget TAGS AND INSIGHTS • Filter entries by tag, open a tag for its own breakdown, and find tags in search • Category analysis gains a scope panel: group by project or tag, or leave projects out CAPTURE FROM ANYWHERE • Shortcuts can hand Keel a screenshot or a block of text — it drafts the entry or parks it in To Do • Six ready-made shortcut recipes ship inside the app, one tap to add • New Siri and Shortcuts actions: Scan a Receipt and Search Entries • Tap-to-pay purchases from Wallet can land straight in To Do IMPORT Four more sources: iCost, Cookie, Mumu and Kappi. SHARED BOOKS • Invitations now use Keel's own page, and joining no longer requires iCloud sync to be on • Entry details show who recorded it and who last changed it; member pages list recent records RECORD INFO • Entry details now say how an entry arrived — Siri, the assistant, a screenshot, an import or your watch • Batches in Settings: undo an entire import in one step ALSO • A new colour system with two palettes: Standard (soft) and Classic (vivid) • Stop the assistant mid-answer; its cards now animate • Ledgers past 100,000 entries open faster and use far less memory • Create an account right from the account picker while recording • If the local database can't be opened, a recovery screen lets you export the raw files, rebuild or retry • A new app icon that picks up Liquid Glass from the system • Manage your subscription right from the Premium page; the paywall now spells out the first charge date and renewal terms • Report or raise a concern about a shared book • A batch of display and calculation fixes

KEEL IS NOW ON THE MAC One purchase covers iPhone, iPad and Mac — if you bought Premium on iPhone, the Mac app is already yours. The Mac version is a native rebuild: the balance sheet, entries, holdings and schedules are real Mac tables you can sort, multi-select, drag and rename in place; books, attachments, projects and the assistant each get their own window; press Control-Option-N to float a compact entry window over any app. APPLE WATCH • Record on your wrist: amount, category, account — three screens. Works without your phone, and syncs back when you reach it. • The main screen shows what you spent today, what's left in this month's budget, and when the next bill lands • Five complications, straight on your watch face DEDICATED FUNDS AND PLANS • Give money a job: a renovation, a trip, an emergency fund — draws and drift are both visible • Plans can be swapped or edited without losing history REGION AND LANGUAGE • Traditional Chinese interface added • Each book can carry its own region: institutions, installment terms, and date and number formats all follow it • The decimal separator in amount entry follows the region INVESTMENTS • Unrealized change over a bounded range now folds into returns; holdings missing a price are named instead of quietly dropped ALSO • The income and expense colour scheme now ships to match your interface language: red-in for Chinese, green-in for English. If you set it yourself, nothing changes. • The balance sheet opens faster • A batch of display and calculation fixes