Lufy v1.5 — your finances, clearer and more connected: MONTHLY BUDGET Your fixed income, your variable income (labeled), and your commissions or bonuses now ADD UP into a single monthly budget. And whatever you don't spend is automatically saved as accumulated savings. MY DEBTS WITH REAL AMORTIZATION Add your loan or credit card with its amount, term, and rate: Lufy calculates your payment, how much is left, and how much goes to interest vs. principal. Tap "paid this month" and it's logged automatically as an expense. BUILT FOR YOUR TYPE OF EMPLOYMENT Tell us whether you're a salaried employee, a freelancer, or a professional-services worker, and we'll project your net pay with the correct legal deductions. ENVELOPES YOUR WAY Set how much you want to spend per category; we'll warn you if you go over your budget. Plus: month navigator, personal and student loans, and stability improvements.

Demo account (please use to review all features): Email: reviewer@lufy.app Password: LufyDemo2026! This release (1.5) bundles everything since the public 1.3.1: - Monthly budget: a fixed income, labeled variable incomes, and bonuses that all sum into one monthly budget (Home > tap the "Ingresos" card). - Debt amortization: define a loan (amount, start date, term, rate); the app computes the correct monthly payment, remaining installments, interest-vs- principal split by progress, and an extra-principal-payment simulator (Analysis > Tools > My Debts). - Logging a loan's monthly payment auto-creates a "Pago de préstamo" expense in the user's budget (category "Deudas"). - Freelance mode in the salary calculator (flat 10% withholding + private health insurance suggestion). - Budgets for any/custom category; transactions in previous months (floor Jan 2026); personal and student loans. No new permissions. Notifications remain LOCAL only (expo-notifications); no remote push, no third-party tracking. Cloud sync stores ONLY the user's own data tied to their authenticated account (Supabase).

This update adds: - Monthly Plan: fixed incomes/expenses that auto-register or prompt confirmation. - Debt tracking with payments, progress ring and a "pay more" simulator. - Guatemala support (GTQ currency + local salary tax rules: IGSS, ISR, Aguinaldo, Bono 14), switchable in Profile > País. - Custom user categories, synced to the user's own account. - Local notifications for debt/recurring due dates. How to test the local notification permission (in-context, per guideline 4.5.4): Go to "Mis deudas" (Análisis > Herramientas) > add a debt > set a "Día de pago" (due day). The app then requests notification permission to remind the user on that day. Notifications are LOCAL only (expo-notifications); there is no remote push and no servers involved. To see the salary calculator: Análisis > Herramientas > Calculadora de salario. Switch country in Perfil > País to test El Salvador (USD) or Guatemala (GTQ). Privacy: the app does NOT track users across apps or websites. Cloud sync stores ONLY the user's own data (transactions, debts, categories, country) tied to their authenticated account (Supabase). No data is shared with third parties for tracking or advertising.