Create your own categories! You can now add custom spending categories beyond the built-in ones — give them a name, pick an icon, and they show up everywhere you track and budget. Tap "Add Custom Category" when logging an expense or from Manage Categories in your profile. Thanks for using RinggitWise. We read every review!

• Multi-bank wallet Track balances across all your accounts — Maybank, CIMB, TNG, cash, EPF, gold, FD, and more. Link every transaction to the right account and see your true total balance. • Predictive overspend alerts Get a push notification before you blow your budget. RinggitWise watches your spending pace and warns you when you're tracking to overshoot. • Festive season alerts Plan ahead for Raya, CNY, Deepavali, and Aidiladha — get reminders 8, 4, and 1 weeks before so you can save up gradually. • Auto-log salary Set your payday once. RinggitWise logs your monthly income automatically. • Recurring transactions on autopilot Subscriptions, rent, bills — they now post themselves each month. • Export to CSV/PDF Download your transactions for tax filing, audits, or just personal record-keeping. • Smarter AI coaching (continued from v1.0.5) Your AI coach now sees spending trends, payoff timelines, and goal pace automatically.

WHAT'S NEW • Sharper AI insights Your AI coach now sees month-over-month spending trends per category, debt payoff dates at your current rate, and exactly where each savings goal stands — ahead, on track, or behind. • Spending pattern detection Catch post-payday splurges automatically. The AI flags when you're spending too much, too early in the month. • Budget risk early warning See which budgets are tracking ahead of schedule before month-end — like "Food 95% used with 18 days remaining." • Top spending changes Instant view of your biggest increases and decreases vs last month, so you know where the money actually went. • Recurring cost awareness See how much of your income is locked into fixed monthly commitments — subscriptions, insurance, loan payments.

- BNPL payment sources - Grouped payment source picker - Favourite/pin payment sources - Quick-add FAB on dashboard - Currency converter

• Added 12 more Malaysian banks as payment sources (Hong Leong, AmBank, UOB, OCBC, HSBC, Bank Islam, Affin, Alliance, BSN, Bank Muamalat, Standard Chartered, MAE e-wallet) • Edit your monthly income anytime from the Profile screen • New Manage Categories screen — hide categories and payment sources you don't use • Hidden categories are filtered from add transaction, budget, and transaction filter views • Improved category filter pill visibility in Transactions page • Referral code field added during sign-up

• Faster sign-in and sign-out — no more unnecessary delays • Instant language and settings switching • AI Chat now offers 10 free messages daily (up from 5) • Exit confirmation dialog to prevent accidental closes • Improved network error handling with automatic retry • Bug fixes and performance improvements