Adds an adaptive layout for iPhone Duo to make better use of the wider display. Improves Quick Record in landscape and compact-height layouts with scrollable keypad access. Refines spacing, cards, and content widths across window sizes.

What's new • Spendable cash: see this month's and daily reference amounts using same-currency funds, pending payments, repayments and a savings reserve. Open the calculation details; incomplete plans are clearly identified. • Bill inbox and import history: save image, text and bill-file drafts and resume review later. Track import batches, open original entries and safely undo eligible batches. • Advanced ledger queries: filter by category, account and text, compare periods and group by place or note, with links to the original entries. • Shared iPhone and iPad features, with improved privacy masking and data protection.

Reliability and privacy improvements: • Stronger iCloud and smart-rule checks protect newly saved and locked entries. • Shared-book and CSV imports preserve refunds, reimbursements, account owners and combined payments. • Consistent precision and exchange-rate checks; whole-group deletion completes after durable saving. • Existing vault passcodes remain supported, failed saves retain input, and pending Watch details respect password protection. • Monthly shortcut totals now match in-app reports.

1. New combined payment: split one purchase across several accounts (e.g. Alipay + bank card). The last account takes the remaining amount, each balance is deducted separately, and any part shows the whole group and can delete it at once. 2. Better page order: reminders due today or overdue now appear right below the monthly card on Home, and Data & backup, Settings and bookkeeping tools are regrouped so common items are easier to find. Load sample data moved to the bottom. 3. Fixed duplicate entries or skipped periods when completing repeating reminders again. Accounts with entries keep their currency, the final installment uses the exact remaining amount, and with a PIN enabled notifications no longer show reminder details, accounts or amounts.

1. Refined Today layout: This Week and Today's Entries now sit right below your monthly balance, while Today's Tasks, Net Worth, Health Index, and At a Glance form a compact 4-in-1 workbench. 2. Clearer Today's Tasks: focuses on items due today and overdue, crosses out tasks completed today right in place, and shows live badges across the top bar, My, and iPad sidebar. 3. Reminders Hub now surfaces today's items up front with a + button in every list, alongside reliability fixes for cross-currency transfers, credit card subscription reminders, and batch entries.

• Four-function amount calculator: editing transaction amounts, transfers, repayments, balance adjustments, and all amount inputs and numpads now support + − × ÷ = arithmetic with live result previews. • Privacy & security: switching to the background now blurs over open sheets and editors too; when a PIN is enabled, turning off background blur, enabling Face ID or extending auto-lock requires identity verification; shared ledger invite packages are now encrypted with the invite code and leave out location data and local photos. • Apportioned entries, quick transfer presets, skipping a recurring bill period, undoing rule history and importing shared ledgers now confirm only after saving succeeds on this device, without leaving partial records if saving fails.

• Voice entry is back to on-device recognition only, with no network use and no automatic punctuation. Your categories, accounts and frequent merchants still help recognition. • Fixed voice entries: punctuation and filler words no longer end up in notes or as extra tags, spoken Chinese amounts right before the payment method are recognized, and short category names match their full category.

• More accurate voice entry: uses the more accurate online recognition when connected and learns from your categories, accounts, frequent merchants and notes. Homophone mix-ups in Chinese are corrected to your own wording. • The category bar when recording now shows 8 by default, and your most-used categories from the last 90 days always stay there, whatever the time of day.

• Fixed: after midnight the Home Screen widget could stay on “Open SeeLedger to refresh” even after opening the app. It now refreshes as soon as you return to the app.

• Categories can be excluded from income and expenses, so lending and repayments or advances and reimbursements no longer inflate monthly totals, reports and Home insights. Loan principal and reconciliation are excluded by default. • Every category and account in a ledger now has its own icon; cards from the same bank keep the brand shape in a different style. • Categories you've used are shown right away when recording — no need to tap Show All. • Edition & access now follows your current theme. • Fixed older currency-exchange transfers and repayments missing an exchange rate, which blocked restoring backups and restore points. They are completed automatically, with balances unchanged. • Transfers, refunds, reimbursements, repayments, recurring entries, batch fixes and trash restore now confirm only after the change is saved on this device; if saving fails, your input stays so you can retry. • Fixed a just-saved record occasionally being overwritten by older data when the app moved to the background. • iCloud sync now detects when two devices have changed the ledger differently. On a conflict, keep this device or pull from the cloud; the other copy is saved as a restore point first. • Restoring an on-device automatic backup no longer deletes other automatic backups, and photos still used by restore points or automatic backups are kept when the trash expires.

• Fixed auto-lock sometimes not engaging after the phone screen had been off for a while. • More accurate quick entry: amounts in 元/块 follow the account currency, quantity words no longer become amounts, credit card repayments are recorded as transfers, and abbreviations like KTV are no longer read as currencies. • Trash restore is no longer blocked by unrelated older records and explains when it can't restore. • Full exports containing deleted refunds re-import correctly, and bank and credit card CSVs use the amount sign to tell income from expenses.

• Ordinary launch opens Today/Home; reminder notifications still open their destination. • Corrected foreign-currency, batch-entry and transfer confirmation while preserving original amounts, currencies and rates. • Improved refunds, reimbursements, investments, account recovery, fees and reconciliation. Imports and restores confirm only after a successful save. • Inspect and restore on-device automatic backups, or re-export with your own passphrase. Improved password and privacy protection. • Faster large imports and improved catalog navigation, batch tags and edit undo.

Today Ledger, with safer and more accurate entries: • New navigation: Today, Transactions, Accounts, Reports and My. Browse entries without a search query and open reminders whenever needed. • Improved iCloud sync and restore protection preserves edits made during sync. Automatic safety points no longer displace manual restore points. • Corrected cross-currency refunds, foreign-currency debt payments and currency-wallet balances. Voice, Siri and Watch share amount and category rules. • Improved CSV encoding, multiline notes, currencies and source identity so re-imports do not duplicate entries. Dates and repeating reminders are more accurate. • Refined Simplified Chinese, Traditional Chinese and English throughout key screens and system entry points. Widgets and complications better protect hidden amounts and locked details.

Safer data and more accurate entries: • Backups, restore points, and iCloud sync restore correctly after you delete a custom category or write off a bad debt. Affected older backups are repaired automatically, and restoring the oldest restore point no longer fails. • A handwritten "original price" in a note no longer changes the booked amount, and amounts edited in regions that use a decimal comma are no longer inflated. • Voice entry and Siri understand spoken Chinese amounts such as 350, 30,000, and 15,000. Siri no longer reports success when an entry could not be saved; transfers and multi-item phrases open SeeLedger for confirmation. • With App Lock on, the lock screen fully covers pages opened from notifications or Shortcuts. • Fixed several crashes in crypto price refresh, to-do import, voice input, and split entries.

Clearer categories and safer edits: • Quick entry starts with common categories; search or expand for all detailed choices. New general, shopping, and fitness membership categories, plus online shopping and supermarket. • An edited entry reports success only after its local write finishes. Failed writes can be retried. • Cloud sync protects pending local changes, with clearer status messages in three languages. • Faster organization of large batches, and first-launch language follows your system preference.

More confidence when correcting and organizing your entries: • Switch daily entries between expense and income and choose a matching category. • Save, discard or keep editing when leaving an entry, with a review before saving. • Compare entry changes and safely undo eligible edits without overwriting later changes or linked records. • Filter by date and account, preview individual entries, then change categories or add and remove tags. • Preserve historical currency amounts and exchange rates when only changing an entry's category or direction.

• Smarter recording: category suggestions use purpose, time of day and recent ledger history; a manual pick stays locked, and only a successful save is learned. • Automatic tags are de-duplicated while explicit #tags and manual tags are kept. Chinese dates and periods (including last night and midnight) are shared across shortcuts, Siri and Apple Watch. • New import review: preview and select CSV rows, check possible duplicates, refunds and transfers, and safely undo eligible batches. • New cash-flow calendar: scheduled income and expenses, projected balances and shortfalls over 30 or 90 days, with one-off what-if items that do not change the ledger. • These features are available on both iPhone and iPad.

Fixes reminder badges appearing only after opening the app. Notifications now use one coordinated, capacity-aware schedule that prioritizes cross-day badges, upcoming reminders, and immediate alerts, so badges update when reminders become due while SeeLedger is closed.

• Month Close 2.0 adds seven checks: uncategorized, possible duplicates, unreconciled entries, reimbursements, card payments, missing FX, and overspending • Smart Rules 2.0 adds conflict explanations, before/after previews, safe undo history, duplicate, reorder, import, and export • New hit-rate, organized-entry, and saved-action statistics • AI wording is now consistent: parsing is on-device today; secure cloud service joins Complete when ready

• Smart rules classify, recategorize, or tag new entries, with a match preview you can apply to existing ones • Month close stores a snapshot, lists uncategorized entries and budget remaining, and can be reopened • Budget rollover can carry surplus, overspend, or both, with an optional cap • Complete remains annual-only; Standard stays free with no ads

• Reminders now support checklists: add sub-steps under a to-do and check them off in the editor or list • Complete is annual-only (¥36/year in China; confirm on the App Store sheet) — Edition & access is simpler

• Debit cards support multi-currency wallets: one card collapses into a single row, expandable to see each currency balance — without merging existing accounts • Complete access refreshes as soon as you return after redeeming an offer, restoring a subscription, or purchasing on another device

• Reminder badges now appear on the app icon when a due notification arrives, even if SeeLedger is not open • Faster cold starts by moving cache warm-up and restore-point refresh to the background • Clearer Standard limits with reassurance that existing data remains safe

SeeLedger 1.2.2 • Standard stays free forever with no ads; Complete is an optional auto-renewable subscription (1 / 3 / 6 / 12 months) in Settings → Edition & access • Eligible new subscribers can try any plan free for 3 days; renews automatically at the selected price unless canceled (billed by Apple) • After expiry, existing data remains viewable, editable, backed up, and exportable • Same build as 1.2.1: accessibility, home list, Apple Watch, lock screen, and reliability

SeeLedger 1.2.1 • Standard stays free forever with no ads; Complete is an optional auto-renewable subscription (1 / 3 / 6 / 12 months) in Settings → Edition & access • Eligible new subscribers can try any plan free for 3 days; renews automatically at the selected price unless canceled (billed by Apple) • After expiry, existing data remains viewable, editable, backed up, and exportable • Better accessibility at large text sizes for Quick Record and transaction detail • Smoother home day list; Apple Watch can log offline and sync to iPhone • Lock screen no longer passes taps through; month share card can open the App Store page • Reliability and performance improvements