• Savings goals: set a target and an optional date, and Saldy tells you how much to put aside each month and whether you are on track. • Split a transaction across several categories — perfect for the supermarket receipt. You can undo it at any time. • Debt simulator: see how much sooner you finish paying a card or loan by paying a little extra, and compare paying off the smallest balance first with the highest interest first. Figures only, not financial advice. • Recurring payments detected: Saldy spots charges that repeat and suggests adding them to Scheduled. You decide. • Fixes and improvements.

Better logging from a photo: with a screenshot of your bank or card app, Saldy now reads the full merchant name even when it spans two lines, gives each transaction the date of its group, and no longer mistakes a percentage for an expense. Card payments come in as payments.

Log from a photo: snap a receipt and Saldy logs the total with the store and date, or pick a screenshot from your bank and get one transaction per row. The photo is read on your iPhone and is never stored or sent. You always review the list before saving. New icon in Saldy purple, with its iOS 27 dark, tinted and clear versions.

New icon: a wallet that listens. The welcome screen and the empty transaction and budget lists now have illustrations. Help › Your data now explains correctly where your data lives: on your iPhone and in your own iCloud, with no account and no servers of ours.

Credit cards: imported cards (Amex, Visa…) now arrive as cards, and if one was saved as a regular account you can mark it with one tap. What you owe shows as a positive number: purchases raise it and payments lower it. Voice entry now stops by itself when you pause, and the screen tells you how to finish. Ready for iPhone Duo, folded and unfolded. iOS 27 design: the tab bar tucks away as you scroll and comes back when you scroll up.

New Scheduled tab: what's coming in the next 30 days — recurring transactions and card and loan due dates. Cards and loans now take interest, statement day and due day: Saldy works out the minimum payment, shows what paying only the minimum costs, and lets you add the dates to Calendar. Voice entry: pick the language you speak (globe, top right), even if your iPhone is set to another. And the last words are no longer lost when you stop. Refunds: record money you got back on an expense — it reduces that expense instead of counting as income. More US merchants are categorized automatically, and what you teach once applies to everything still uncategorized. From an account you can now add expenses and income and open each transaction. Swipe a transaction to edit, duplicate or refund it, and an account to add or transfer.

Create an account without leaving the expense you're logging: tap “New account” under the account picker, save it, and it's already selected. Works when typing and when using your voice. Voice entry now listens in the app’s language (it always listened in Spanish before). Every amount is checked against what you said, including numbers spoken as words, so nothing you didn’t say gets saved.

Fixed: typing an amount right after opening the app could still drop a digit, so a different amount was saved. The fix in 1.0.4 only covered part of the problem; this one closes it. Clearer messages when buying Premium: if a purchase doesn't go through, the app now tells you so and confirms that nothing was charged, instead of going quiet.

Widgets, and alerts you choose. • New widgets for the Home Screen and the Lock Screen: what you have spent this month, how your tightest budget is doing, and your balance. Tap one to dictate an expense straight away • Alerts you turn on one by one: a budget getting tight while there are still days left in the month, a recurring payment due tomorrow, your balance heading below zero, and your month-end summary. They arrive at the time you choose, and the daily reminder stays quiet on days you have already logged something • With Face ID or a passcode turned on, the widget shows no figures at all — they never leave the app • Fixed: typing an amount quickly could drop a digit, so a different amount was saved without any warning

See every transaction in an account, and import more files. • Open an account and you can now jump straight to all its transactions. The link was buried below the first thirty, so in a busy account it looked like there were only thirty • Reports that list your accounts and balances work even when the file has no description column. Before, no account row was recognised: balances were lost and accounts without transactions were never created • Those rows are no longer reported as unreadable

Fixes for importing from another app. • Two identical purchases on the same day are now both kept. They were being treated as one repeated entry and one of them was dropped — without any error, counted as a duplicate • Accounts with a balance but no transactions in the file are created too, so what you get matches the list the app showed you before importing

Logging expenses by voice is now free, for everyone and with no limits. • A hands-on tutorial: type a sentence and watch it become a transaction, drag a budget and watch the bar react. Nothing in it touches your data • A step-by-step guide that ticks itself off as you actually use the app • Premium is now clearly what needs your history behind it: comparing months, forecasting to payday, exporting, the assistant and other currencies • Everyday use stays free: voice, typing, accounts, categories, budgets, importing and this month's spending