• Income over time: the runway now uses your typical day of spending, the same pace shown beside it. • Peer benchmarks now reflect your age range, and emergency cover is more accurate if you're new to Kachingz. • The quarter view shows a monthly average, and the monthly archive compares weekly budgets fairly. • Two settings that did nothing are gone, and other small fixes.

• Help: ask how anything in Kachingz works, or suggest an idea, from Profile › Help. If it can't answer, the Kachingz team will, and you'll get a notification when they reply. • Kachingz now asks before sending anything to its AI service, and you can turn AI off any time in Profile. • Delete budgets, cards, pay schedules and income entries. • Tips are worked out on your iPhone and no longer use AI credits. • A refreshed app tour and small fixes.

Paying with Alipay in China? Metro rides now go under Transport, a payment Alipay announces twice is recorded once, and payments without a shop name are marked so you can add one.

Your AI reports now run on a newer model, so Insights, the month-end report and spending reviews keep arriving quickly and reliably.

A calmer, clearer Kachingz. • Plan now answers the question that matters: how much can I spend a day until payday? Keep some money back, plan a big spend ahead, and watch Mochi walk the days to payday. • A lighter look across the app: no more boxes, just your money, with gentle motion as things change. • Pick Light, Dark or System with a little day-and-night scene. • Spending by category at a glance on Insights, and a running total against last month. • Choose categories by icon when you add a purchase. • Your logging streak now counts quiet days when you tap "I haven't spent today". • Mochi's cheers are more accurate, and Income trends moved to Insights.

• The Pro screen now shows any free trial on offer, and exactly when billing would start. • Kachingz Pro can now be bought in the UK, Australia, Canada, New Zealand, India, the Philippines and Hong Kong. • Small fixes and polish.

• A new spending calendar on Activity: a bigger dot is a bigger day, every day keeps its amount, and green rings mark the days you spent nothing. Tap a day to see where the money went. • Your money, mapped: Plan now opens with your income flowing into bills, spending and savings. Tap any circle for what's behind it. • Mochi keeps you company when you add an expense and reacts as you type. Prefer quiet? Switch it off in Companion settings. • Smoother all round: budget and goal bars fill, paid bills tick off, charts grow into place and AI reports arrive step by step. • The Habit coach now sits right under your calendar, and no longer counts payments dated later in the week.

• The Income tab is now Plan, because that's what it's for: your next payday up top, then your budgets, bills, cards and savings. What you've already received is under Received. • Kachingz is now about a third of its old size, so it downloads and updates faster and takes less room on your iPhone. • The spending calendar's daily amounts are bigger and easier to read, follow your text size, and tell VoiceOver how each day compares with your daily average.

• Festive budgets. A few weeks before Deepavali, Hari Raya, Lunar New Year, Mid-Autumn and Christmas, Home offers a budget just for the festival, kept apart from your monthly budgets. Log festive spending as you go, and at Lunar New Year and Hari Raya, give ang bao and duit raya by the packet. • Mochi dresses up for Deepavali in a crown of marigolds and jasmine, and on each festival's day greets you in its own language. • Selamat Hari Merdeka! Malaysia gets its own Merdeka room, with bunting, a wau bulan and bunga raya.

• Set up automatic logging your way. The Shortcut guide now offers two automations: Every Purchase, which logs shop, online and in-app purchases from Wallet's notifications (iOS 27), and Tap to Pay, which logs Apple Pay at a till with the exact amount, shop and card. Each has step-by-step instructions for your version of iOS. • Travelling in China? Alipay and WeChat Pay purchases can log themselves too, with prices in ¥ or 元 counted as yuan and the shop picked out of Chinese text.

Mochi's room now celebrates all year! After Halloween come Christmas (with a Santa hat), New Year (party hat on), Valentine's and Easter (bunny ears), and in Singapore and Malaysia, Deepavali, Lunar New Year, Hari Raya and Mid-Autumn too (plus National Day in Singapore), each with its own decorations and things to say. You can turn them off in Companion settings under Seasonal touches. • Kachingz feels at home in more places: your currency follows your country, now including pounds, Australian, Canadian and New Zealand dollars, rupees, pesos and Hong Kong dollars, and more shops are recognised when you log a purchase. • Mochi and your weekly insight now always speak in plain words. Some insights could slip in a label meant for the app, like "weekly_remaining"; those are gone, including from insights you already have.

Halloween is here! All through October your cat wears a witch hat, and the room gets a bat garland, a cobweb and a glowing jack-o'-lantern. You can turn it off in Companion settings under Seasonal touches. • Mochi's face now follows your budgets: a happy jump when every budget is on pace, a worried moment when one is nearly used up or over. • New in Insights: Where your money goes, with categories, sub-categories and merchants, and how the week, month or quarter went. • What if I cut back? Try cancelling subscriptions or trimming a category, right under the month-end projection on Home. • Detailed analytics has been split up so each part sits with what it's about: spending by card is in Cards, unusual purchases and the monthly archive are in Insights, and Export records is in Settings. • Budget warnings are amber now, so they never look like a button. • Simpler: one accent colour, Kachingz orange, and the Income tab's analysis is now called Trends.

Meet your money companion: a cosy room on Home with a cat who cheers on your good habits. • Choose your cat: an orange tabby or a tuxedo, and switch any time in Companion settings. • Your cat wanders the room, sits, eats, naps on the bed and lounges in the armchair. Tap the floor to call it over, or tap it for a cuddle. • Chat with your cat to hear what's left to spend, bills due soon, payday, your logging streak, goals, budgets running low and your weekly insight. • Decorate with paws earned from good money habits: fairy lights, a wall shelf, a piggy bank, a heart rug and a floor cushion. • Weather in the room (optional): your local weather in the window, a fan on hot days and a heater on cold ones. • Dawn, day, dusk and night follow your clock. • AI cards now get ready in the background on your first open each morning. • Fixes: one Income page instead of two, and a simpler Companion settings page.

• Look back on past months: the habit coach now reads any earlier month in the Spending calendar, and the Monthly archive and Budget history include AI reviews of finished months. • Swipe down on a transaction you're editing and Kachingz now asks before discarding your changes. • Swipe back from the left edge works on every page. • Text follows your Larger Text setting, and layouts adapt at the biggest sizes. • Shake to undo a deleted or newly logged purchase. • Clearer colours when Increase Contrast is turned on.

- Privacy policy, support and website links now point to kachingz.com. - A clearer privacy policy, and a new page explaining how to delete your data.

- Undo after logging or deleting a purchase. - A bigger, easier amount entry when adding an expense. - Your available-to-spend figure updates as you log. - Hidden balances now also hide the original amount of overseas purchases.

Overseas purchases now convert to SGD using the exchange rate for the purchase date, with the original currency shown beneath the amount. Activity also offers to convert purchases previously logged in the wrong currency. If a rate is temporarily unavailable, conversion retries when you next open the app.

A clearer look at your money, with a refreshed design throughout Kachingz. • Improved AI reviews: weekly budgets use the right period, bill payments count toward their budget, and card repayments are kept separate from spending. • More consistent monthly goal plans, next-month budget advice and month-end projections. • Easier navigation, including a Back button on pushed screens and a clearer view of purchases without a budget. • A cosy room for your companion, with updated pet artwork and interactions. • Clearer bills, subscriptions, card details and transaction lists.

Improved AI weekly reviews and detailed analyses, with clearer checks against your recorded figures. Weekly reviews now show the period covered, and AI reports show when they were generated. Explore every AI report with 10 free lifetime credits: only successfully verified reports use a credit. Updated monthly and yearly subscription selection.