This update focuses on speed, budgeting improvements, investing, and a smoother overall experience. The Statistics page now loads significantly faster, cloud sync is smarter, budgeting tools are more informative, and investment tracking now supports both U.S. and Philippine stocks. NEW Spending Breakdown Screen Added a dedicated Spending Breakdown screen to help you better understand where your money goes. Rollover Budget Indicator Added a rollover budget indicator so you can easily identify budgets that include rolled-over amounts from previous periods. INVESTMENTS Expanded Stock Coverage All supported U.S. stocks are now working correctly with daily price snapshots. Added support for Philippine stocks. IMPROVED Smoother App Startup Tarsi now fades in smoothly on launch instead of briefly showing a blank screen. Faster Statistics The Statistics page now opens immediately, while heavier data such as net worth trends load in the background. Smarter Cloud Sync With Auto Sync enabled, Tarsi now automatically checks for newer cloud changes when opening the app. Syncing only occurs when it is safe and will never overwrite local changes that have not yet been synced. More Compact Budget Card Refined the Home screen budget card to take up less space while keeping important information visible. Improved Quick Action Navigation You can now navigate back normally after opening Tarsi from a Quick Action widget. Clearer Calendar Labels “Spent” has been renamed to “Expenses” for consistency with Income tracking. FIXED Category Editing Fixed an issue where saving a category only updated the budget amount. Changes to category names, icons, and colors now save correctly. Category Save Button Fixed a bug where the save button in the Category editor appeared unresponsive after making changes. Balance Adjustments in History Balance adjustments no longer affect income and expense totals shown in History summaries. Statistics Performance Resolved delays that caused the Statistics page to load noticeably slower than other sections.

Smarter scheduling, faster performance, and a safer Tarsi Chat experience. This update fixes end-of-month billing issues, improves app responsiveness on large datasets, enhances charts and Liquid Glass support, and adds App Intents for deeper platform integration. FIXED * Bills due at the end of the month now land on the correct date. Recurring expenses, income, installments, loan payments, and interest scheduled on the 29th–31st no longer skip February or drift into later dates. They now correctly fall on the last day of shorter months. * Cashflow forecasts, installment schedules, and Calendar now use the same corrected dates, ensuring projections match actual logged transactions. * Fixed account shortcut matching for account names containing punctuation (e.g. “BPI Savings!”). IMPROVED * Significantly faster performance on accounts with large transaction histories. * Optimized Home, History, and Account screens to avoid unnecessary recalculations during searches, filtering, and editing. * More consistent number formatting when entering crypto quantities and stock prices across different device locales. * Improved chart visuals for a cleaner and more polished experience. * Added fallback Liquid Glass styling for older iOS devices that do not support the full Liquid Glass experience. * Added App Intents support for deeper platform integrations and smarter system actions. * General performance improvements across iOS and Android. * Reduced app bundle size for faster installs and updates. SECURITY * Hardened AI chat services and shared-group notification systems. * Updated dependencies with the latest security patches and fixes.

This update brings the new Liquid Design experience to iOS, adds quality-of-life improvements across budgeting and debt management, and includes several important fixes for credit card statements, installments, and transaction recovery. NEW FEATURES & IMPROVEMENTS Added a Restore option for recently deleted transactions. Added support for Peruvian Sol (PEN) currency. Added calculators for: Transfers Debts Money Owed to You Installment payments can now be made using an external source account, improving flexibility for credit card repayments. FIXES Fixed credit card statement cycles not properly including income entries. Credit card statement and cycle totals now correctly subtract income entries recorded to the same credit card account. Fixed an issue where rapidly tapping buttons could open multiple instances of the same screen. Fixed an issue where editing an existing credit card expense and enabling Track as Installment could incorrectly set the expense amount to the installment placeholder value (often ₱0) without creating the corresponding installment record.

Performance fixes and general improvements.

This update brings faster account actions, more flexible budgeting, improved Home screen customization, enhanced receivables handling, and several usability improvements and bug fixes. NEW FEATURES * Added Quick Actions buttons on individual account screens for faster debit and credit entries. * Added Tarceipt support to local bill splitting. * Collections can now exceed the remaining receivable balance: * The amount up to the remaining balance is recorded as a receivable collection. * Any excess amount is automatically recorded as a linked Gift income entry. * You can now add income transactions to credit accounts. * Added a Bi-Weekly budget option. * Added a Recently Deleted screen for recovering removed items. * Home settings now separate Category Budgets and Personal Goals into their own sections. * Budget indicators on the Home screen can now be rearranged via drag and drop. IMPROVEMENTS * Performance improvements across the app. * Enhanced widgets for a better Home screen experience. * Updated calculator layout for improved usability. FIXES * Fixed an issue where installment payments were not being counted correctly in History.

This update improves loans, installments, assets, transfers, receipt handling, and overall transaction behavior across the app. NEW FEATURES * Enhanced receipt display with dedicated Owed Items and Payment History sections. * You can now attach images to transfers. * Transfer screen now includes: * Image (optional) * Camera capture * Photo picker * Image preview * Change/remove image actions * Expense and income categories can now be rearranged via drag-and-drop. * Added Income Distribution subcategories on the History screen. * Expanded touch targets on the Wallet screen. The entire account group header row now toggles expand/collapse. IMPROVEMENTS * Updated custom tag UX and behavior. * Balance Adjustment now allows notes-only saves even when the asset value remains unchanged. * Asset balances are now reconciled using the latest balance adjustment plus succeeding asset transfers during import/hydration, helping affected historical data self-correct. * Goal-linked asset accounts now properly sync linked goal amounts when saving or deleting balance adjustments. * Shared asset adjustments now update the shared remote account first, preventing outdated values from reappearing during sync. * Wallet account history now follows the same behavior as the main History screen for normal transaction rows. * Posted installments now only display the scheduled monthly amortization instead of the full financed amount. * Future installment postings are now hidden until posted. * The lower credit balance card now uses statement/running-cycle totals when a statement day is configured. * Available credit calculations continue to use the full installment principal for accuracy. LOANS & CREDIT * Creating a loan account with an opening balance now stays neutral in History and account timelines. It no longer counts as income or expense. * Actual loan payment records now count as expenses in overall History totals. * Loan beginning balance rows still appear as setup/beginning balance entries without +/- treatment. FIXES * Implemented the asset adjustment fix. * Fixed the Money Owed To You overview so Lending and Collection logs now use the selected log date instead of the creation timestamp. * Lending and Collection logs now auto-sort newest-to-oldest based on the selected log date, with creation time only used as a same-day tie-breaker.

Major improvements to History usability, better financial accuracy for debts/receivables, and stronger installment + credit handling. Includes UI refinements, smarter AI, and fixes for filtering, statements, and cashflow. NEW FEATURES HISTORY IMPROVEMENTS * Search bar, selection toggle, bulk actions, and filter card now scroll with the transaction list * Added compact Clear button when filters/search are active * Clear resets search, type, category, account, tag, and date range * Tapping a budget category on Home now opens History filtered to that category INSTALLMENTS * Editable installment payment amount before saving * Installment list now shows decimals and total amount * Installment overview now shows total, paid, and editable payment amount RECEIVABLES & DEBT HANDLING * Deleting a receivable now correctly reverses: * linked advances/lending back to source account * linked collections from collection account * Added shareable receipt graphic for money owed to you CREDIT & CASHFLOW * Implemented credit card to wallet transfer flow * Loan payments can now be paid from: * debit accounts * credit cards * Fixed forecasted cashflow sorting * Fixed issue where future statement cycles were appearing BACKUP * Added in-app Restore auto backup flow (Settings → Backup → Manage your local backup) UTILITY * Log Collection screen now shows: * highlighted Full amount chip (based on remaining balance) * computed quick options like Half and valid fixed amounts * Local shared balance editor now includes Split 50/50 calculator button * You can now rename a person from their individual Local Bill Splitting screen IMPROVEMENTS * Planned and recurring expenses now resolve subcategory icons correctly (consistent with Planned Payments) * Updated credit account UI * Wallet header and balance panel now scroll with content instead of staying fixed * Budget management remains accessible under the Manage button * Improved receipt scanning parser and logic * Made Tarsi Chat smarter and reduced hallucinations * Delete confirmations now explicitly indicate wallet balance reversals FIXES * Fixed Income filter showing expense categories instead of income categories * Fixed issue where deleting a debt did not reverse linked borrowings/payments * Fixed false trigger where Money Manager backup incorrectly flags missing ZINOUTCOME table * Fixed minor issue in generated invoice layout

Focus on fixing statement/cycle inconsistencies and significantly improving multi-currency accuracy across the app. This update also cleans up edge cases in loans, installments, and shared balances. FIXES * Fixed issue where the statement day was treated as an inclusive cycle end date * Fixed loan category still appearing on Home after being fully paid, with incorrect installment reflection * Fixed mismatch between credit card cycle totals and SOA due to incorrect summing of visible rows (especially with installments, payments, and adjustments) * Fixed projected cashflow ignoring installment payments with missing/invalid payment sources * Fixed rounding issues when editing transactions in non-PHP currencies * Added safer handling when deleting accounts used as installment payment sources IMPROVEMENTS * Improved currency accuracy across the entire app * Account balances, expenses, income, transfers, card payments, installment payments, and interest now follow correct decimal rules per currency * History day headers now convert mixed-currency totals before displaying * Transfer previews now properly reflect: * Sent amount * Received amount * Fees * Total deduction based on source and destination currencies UPDATES * Planned Payments: * Overdue items now show an Overdue badge in the date group header NEW * Added delete action for shared-balance advance rows in both: * Card History * Main History

This update focuses on improving accuracy across credit cards, debts, and summaries, while refining how data is displayed and synced. Credit card handling is now more reliable with proper cycle grouping and overpayment carryover. Syncing is clearer with explicit push/pull options. Several inconsistencies in balances, filters, and UI alignment have also been resolved. NEW FEATURES * Added income and expense distribution bar in individual account statistics * Credit card view now groups transactions per billing cycle instead of per day * Sync flow now includes options: * Pull from Cloud (replace device data) * Push to Cloud (replace/update cloud data) IMPROVEMENTS * Statement due is now always calculated from the latest closed statement date * Overpayments on credit cards are now carried over to the next cycle correctly * New users now default to including credit cards under liabilities FIXES * Fixed issue where expense and income subcategories could affect each other * Fixed incorrect remaining balance in “Money owed to you” after editing collected amounts and logging wallet collections * Fixed missing newer profile arrays in older cloud snapshots * Fixed local bill split settlement flow * Fixed net balance and spendable UI alignment * Fixed template subcategory flow * Fixed home payment summary showing all future loan/credit due dates regardless of schedule * Fixed History category filter applying only to regular expenses (now applies to all transaction types including debt payments, transfers, income, collections, and adjustments)

This update improves installment tracking and refines account management, planning views, and history accuracy. Introduces realtime updates via Tarsi Cloud. NEW FEATURES Installment setup now supports optional monthly payment amount Clearer “what’s due this month” total for installments on Home Can now log installment payments as expenses Transfer fees are now added on top of the transfer amount Local shared bill movements now appear in History TARSI CLOUD Realtime push notifications for every transaction in shared accounts Realtime push notifications for cloud bill splitting IMPROVEMENTS Rearranging accounts now uses drag gestures instead of arrows Account groups can now be changed via drag and reorder Planned payments date headers now show daily totals instead of item count Expense distribution now shows subcategories indented under parent categories History totals and badges now consistently display two decimal places Improved AI insights for smarter recommendations FIXES Debt received into wallets (e.g. GCash) now correctly reflects in balances Fixed PNG export not generating for Local Bill Splitting UI UPDATES Added back button on Tarsi Coach screen

This update focuses on improving reliability across recurring logic, loans, and credit cards, while expanding features like data import, home insights, and shared balance management. Several long-standing edge cases are fixed, and overall performance is improved. NEW FEATURES * Import data from other apps * Expense chart on home screen (optional toggle) * Income distribution now visible in calendar view * Planned-only payments (including one-time) now appear on home screen * Edit / Delete / Archive actions added for Local Bill Splitting and Money Owed To You * Added currencies: LKR (Sri Lankan Rupee), BDT (Bangladesh), NGN (Nigeria), KES (Kenya), RUB (Russia) IMPROVEMENTS * Card payments can now be backdated (both new “Pay card” and edits) * Credit card statements now reflect full shared-balance charges (not just your share) * Tapping a Shared balance advance opens the linked transaction detail * Transaction detail now includes Edit shared balance and Delete split actions * Shared-balance editor now supports editing existing splits * General performance improvements FIXES * Fixed Tarsi Cloud sync where “last sync” was not updating * Fixed recurring expense editing issues * Fixed credit card defaulting to 0 * Fixed recurring cleanup bug * Fixed import/export (CSV/JSON) missing installments * Fixed loan payments not appearing in history * Fixed installment statement issues * Fixed fully paid debts not reopening * Fixed editing bi-monthly recurring income * Fixed loan due date not showing on home screen

This update focuses on fixing edge cases in debts, installments, and projections, while improving shared bills and adding new tools. NEW FEATURES Local Bill Splitting You can now split bills directly on-device without needing cloud features. Works alongside existing shared bill flows. Warranty Tracker Tool Track warranties for purchases so you know what’s still covered and when they expire. Quick Pay (Credit Cards) A faster way to settle credit card payments directly from the payment form. Bundled Credit + Installment Support Better handling for grouped credit payments and linked installment plans. Enhanced Transaction Keyboard Added support for multiplication, division, and modulo operators so you can compute amounts directly when logging transactions. SHARED BILL IMPROVEMENTS You can now link existing expenses to a shared bill, not just new ones Open and manage linked bill splits directly from the transaction screen Clearer breakdown of: - your actual expense - pending shared balance - reimbursed amount Participants now require name + email (with smart suggestions from past entries) “Mark Paid” updates settlement status only (no extra entries created) IMPROVEMENTS Tapping upcoming payments on the home screen now redirects correctly to planned payments Account groups can now be collapsed/expanded by tapping the title Edit Account screen now has sticky Save/Cancel buttons Tax calculator now includes employment type selection for compensation income FIXES Debt & Installment Logic Installments can no longer advance when underpaid Loan payments now follow correct schedule behavior Final installment amounts are now accurate for bundled payments Recurring debt due dates now stay properly linked and preserved Overpayments and over-collections no longer break balances or ledger state Deleting accounts restores related debts/receivables if history is removed Archived debts are now excluded from totals, net worth, and projections Projection bugs no longer assign debt/installment outflows to random accounts GENERAL FIXES Fixed reload issues and account restart bugs This release mainly stabilizes financial tracking accuracy, especially for debts, installments, and shared expenses.

This update focuses on stability, accuracy, and small quality-of-life improvements across the app. NEW * No Spending Streaks — track days where you intentionally spend nothing * Expanded currency support IMPROVEMENTS * Chat now opens with the input box immediately active * Review prompt no longer shows on every update * Asset accounts now support balance adjustments Fixes * Fixed “Check for updates” not working * Fixed rearranging issues * Fixed reopen receivable not working * Fixed transfer fee calculation bug * Fixed installment issues * Fixed decimal placement errors

This update focuses on improving financial clarity, fixing core issues, and introducing a new learning feature inside the app. NEW FEATURES SAVINGS SUMMARY Get a clearer view of your progress. You can now see how much you’re saving over time in one place, making it easier to track consistency and growth. TARSI COACH (NEW) A built-in financial literacy module inside the app. * Covers both foundational and advanced topics * Unlock content through usage and engagement * Uses your own financial data to provide more relevant insights and context This turns Tarsi from just a tracker into a learning tool. INSTALLMENT LINKING TO CREDIT ACCOUNTS You can now directly link installments to their corresponding credit accounts for better tracking and accuracy. IMPROVEMENTS RECURRING TRANSACTIONS Refinements to recurring income and expense flows for better reliability and usability. FIXES * Fixed Plan screen scroll issues * Fixed Travel Mode being blocked by the keyboard * Fixed balance transfer inconsistencies * Fixed installment-related bugs

This update adds structure to how you track money (especially for trips and events), plus real tools you can actually use day to day. NEW FEATURES TRAVEL MODE Start a trip from the Plan screen. While it’s active, every expense or income you log is automatically grouped under that trip. No manual tagging needed. When the trip ends, your data stays grouped for review, but new entries won’t be included anymore. TAGS Create your own labels for anything—projects, events, side hustles, or occasions. You can attach tags to entries so you’re not limited to categories. This is useful for things like birthdays, food trips, or tracking a specific event across different expense types. HISTORY FILTERING (BY TAGS) You can now filter your transaction history using tags. This makes it easier to answer questions like “how much did I spend on this trip?” or “how much did this event cost?” without digging manually. STREAKS (CUSTOMIZABLE) Track consistency with streaks that match your goals. You can choose what counts as a streak: Logging streaks (did you log today?) No-spend streaks (spent nothing for the day) Minimum spend targets (stay under a set daily amount) Set your own rules and keep your streak going based on how you want to manage your money. TOOLS A new dedicated section with built-in utilities: Currency Exchange - quick conversions while tracking multi-currency spending Invoice Generator - create simple invoices directly in the app Income Tax Calculator - estimate taxes without leaving Tarsi Shopping List - plan purchases alongside your budget More coming soon! PULL TO REFRESH (WALLET) Swipe down on the Wallet screen to update stocks, crypto, and forex data instantly instead of waiting for auto-refresh. TRANSACTION TIME (TRANSFERS) Transfers now include exact timestamps, not just dates, so your logs are more precise. EDITABLE LOGGED DATES (DEBTS AND RECEIVABLES) You can now adjust dates for money you owe or are owed, making backtracking and corrections easier. CAMERA SHORTCUT FOR ATTACHMENTS When logging income or expenses, you can open the camera directly to capture receipts or proof without extra steps. EXPORT DAILY SPENDING Generate a clean image of your daily spending summary. Useful for sharing progress or posting on social media. SPENDABLE AMOUNT EXPLANATION A new button explains how your “spendable” amount is computed so you understand where the number is coming from. IMPROVEMENTS Faster flow when logging (no forced redirect to Home) Chat logging now shows tappable receipt rows for quick review More compact currency selector Cleaner rearrange mode with a floating “Done” button Notifications for upcoming payments and interest events General UI cleanup and simplification FIXES Multi-currency distribution chart calculations Bill splitting flow (participants now shown first) Installment and card billing issues Net balance toggle not saving Custom logo history filter bug Android icon and splash screen issues Other minor bugs

This update focuses on improving income tracking, debt management, shared accounts, and overall consistency across the app. NEW FEATURES • Custom Monthly Budget Cycle Set your own monthly budget start day. Supports salary-based cycles (e.g. 25th–24th). Applies to budgets and summaries only. • Income Categories Overhaul Income categories are now easier to manage and customize – Built-in categories (Interest, Dividend, Rental) can be edited directly – Add subcategories (e.g. banks, dividend sources, properties) – Supports subcategories across logging, history, and details – Custom categories now support image icons • Improved Category Editing Long-press any category while logging to open its settings instantly • Debt & Receivables Improvements – Indicator for fully paid entries – Auto-archiving of completed debts and receivables – Added missing date fields in editors • Tarsi Cloud – Added bill splitting • Smarter Chat Logging Better handling of dates when parsing entries • Spendable Calculation Update Now considers remaining days in the current cycle • Auto Update Prompt Shown on app startup and in settings IMPROVEMENTS • Removed borders on forecast items • Updated date formats across the app FIXES • Fixed notes disappearing after update • Fixed decimal inconsistencies • Fixed loan account creation issue (payment values not saving) • Fixed credit card balance not updating after deleting expenses in shared accounts • Fixed shared credit card balances not syncing correctly after transactions • Fixed zero-amount recurring/planned transactions for credit cards

This update focuses on smarter tracking, improved financial insights, and more consistent behavior across accounts, goals, and planning flows. NEW FEATURES • Added quick photo and text notes on account cards (tap to flip) • Added hold gesture to quickly open camera for receipt scanning • Added ability to edit profile name • Added bi-weekly option for recurring planned payments across the app • Added percentage support in subcategories • Added ability to attach photos to goals for inspiration GOALS SYSTEM UPGRADE (Major) • Personal Goals now use linked goal accounts behind the scenes • Goal contributions now behave as real transfers (no disappearing money) • Goal withdrawals now correctly move money back into accounts • Goal balances stay synced across edits, deletes, imports, and restores • Existing users are safely migrated with balances and progress preserved DEBTS & RECEIVABLES • Linked recurring debt payments are now integrated into the debt flow • Added payment history insights for “Money Owed to You” • Shows payer reliability (reliable, delayed, high risk) • Displays warnings for overdue or risky borrowers • Collection logs now support actual payment dates for accuracy ACCOUNTS & CREDIT CARDS • Card payments can now exceed owed amount (supports negative balance for overpayment) • Home card now shows statement dues instead of live balances • Fallback logic: • No statement day → shows current owed balance • No due day → excluded from due-focused section • Unified card/account selector across all account selection flows • Loan payments are now logged properly and appear in transaction history TEMPLATES & CUSTOMIZATION • Template colors can now be overridden with user-selected colors AI & CHAT • Offline Tarsi chat is now smarter and more accurate PLANNING & UI • Updated forecast cashflow screen • Improved group shared account toggle placement IMPROVEMENTS • Save income now automatically closes the form after submission • Improved consistency in account selection behavior across the app FIXES • Fixed Money Owed to You increasing after app restart • Fixed debt entry clearing bug • Fixed credit card chat parser issues • Fixed credit card payment amount parsing • Fixed issue where Save Income does not close form • Fixed quick actions bug

This update focuses on improving planning, account management, and overall consistency, while introducing optional cloud capabilities and better handling of credit, debts, and receivables. NEW FEATURES • Introduced Tarsi Cloud (optional) Shared accounts Online sync Smarter AI chat (better understanding of behavior, spending, and affordability) • Credit cards now show “This Statement” metric under due-day / statement-day • Added support for subcategory icons and templates • Added quick button for account group management on Wallet screen • Added button filters for Planned Payments IMPROVEMENTS • Plan flows (Goals, Debts, Money Owed to You) now fully respect decimal mode across all screens • Improved decimal consistency across the app • Group totals now respect Privacy Mode • Receivables now show a proper lending log, including the original recorded amount • Fully paid debts no longer show a due date FIXES • Fixed home card order persistence • Fixed bi-monthly persistence bug • Fixed loan amount date picker • Fixed Plus Button tap/hold preference persistence • Fixed individual currency issues • Fixed credit card installment flows

Major feature upgrades across budgeting, accounts, and customization. FEATURES • Added new category budget mode: % of income • Category budgets can now be set as fixed amount or percentage of income • Percentage budgets auto-calculate based on income within the selected interval • Added new loan and asset account types • Added SSS, PhilHealth, and Pag-IBIG account templates • Added account grouping with reordering • Added Money Owed to You close/reopen feature • Added recurring expenses support for credit cards • Added different currency transfers • Added Filipino language option (now default) • Tarsi mascot is now animated • Added “Credit cards due soon” section on home screen • Added customizable home screen with reordering • Added photo attachment full screen view • Added income distribution chart IMPROVEMENTS • Home Recent now follows transaction date first, then createdAt within the same day • Transfers can now be edited • Chat now supports adding expenses to credit cards • Expanded note field tap target • Added clear button in chat • Added help button in chat • Updated wallet screen toggle to All / Assets / Liabilities • Debts now show indicators when near due date • Allowed multiple decimal handling for interest BUG FIXES • Fixed chat not detecting subcategories • Fixed maintaining balance issue • Fixed recurring transactions with “Start Later” triggering early • Fixed editing one-time upcoming entries incorrectly showing Repeat tab

NEW FEATURES & IMPROVEMENTS · Introduced new bank account templates to make setting up accounts faster and more visually consistent. You can now quickly choose from predefined styles instead of starting from scratch. Custom image upload is also supported for bank accounts and categories, along with predefined category templates. · Money Owed to You now supports linking entries to credit accounts, not just debit accounts. This allows tracking receivables tied to credit card usage, such as when someone else uses your card. · Added a dedicated Plan screen in the navigation menu. Settings have been moved to the top of the Home screen, and a Notifications button is now available for quicker access. · Introduced an Account Overview screen for better visibility of account details. · Budget rollover is now supported, helping unused budgets carry over to the next period. · Enabled zero-amount entries for income and expenses when used for recurring or future-dated transactions. · Added a Duplicate option to transactions, available alongside Edit and Delete across Home, History, and Wallet. · New iOS widgets are now available. UI & UX ENHANCEMENTS · Improved date picker behavior so tapping the date automatically scrolls to the selector. · Typing is now smoother, with screens automatically adjusting to keep input fields visible above the keyboard. · Removed the redundant donut chart in the Home expenses card for a cleaner layout. · Added a net worth percentage indicator in the Wallet screen compared to the previous day. · Improved PDF statement design for clearer and more polished exports. PERFORMANCE IMPROVEMENTS · Reduced repeated scanning and improved list virtualization across Home and Wallet tabs, resulting in smoother performance for large datasets. · Optimized rendering and data handling for better responsiveness. FIXES & ACCURACY IMPROVEMENTS · Beginning balance entries now correctly reflect the account’s currency. · Fixed inconsistencies in how totals are displayed, ensuring clearer and more consistent formatting across the app. · Resolved issues where debt payments and collections were not appearing in account-level transaction history. “Collection Received” transactions now properly appear in account history and reflect accurate balances. · Fixed missing option to pay recurring expenses using a credit card. BUDGET & CATEGORY IMPROVEMENTS · Added warnings when subcategory budgets are set without a parent category budget. · Categories with subcategory budgets now correctly display the total instead of showing “No budget set.” INSTALLMENT TRACKING IMPROVEMENTS · You can now create installment plans with pre-paid progress (e.g., 3 out of 6 already paid). · Installment progress can be adjusted manually without needing to log past payments individually. · Remaining balance, next due date, and payment history now update correctly based on installment progress. · Pre-paid installments are now reflected in payment history for better visibility. · Credit account balances now adjust immediately when an installment plan is created. · Installment plans now consistently affect balances and credit limits regardless of where they are created. · Installments are now visible within the associated account view. · Payment logging now correctly updates both debit balances and credit liabilities without duplication. OTHER UPDATES · Improved chat voice dictation flow for better usability. · Added option to force delete accounts along with all linked activities.

This update focuses on accuracy, better financial tracking, and fixing real-world issues based on how people actually use Tarsi. MULTI-CURRENCY & TRANSFERS Multi-currency transactions are now fully supported across the app. You can log a transaction in a different currency from your wallet, optionally set your own exchange rate, and store both the original and converted values. Transfers now follow your selected date instead of defaulting to “today.” This also applies to transfer fees, keeping history, sorting, and reports consistent. CREDIT & INSTALLMENTS (FIXED + IMPROVED) Installment plans now correctly update Used Credit immediately. Behavior is now consistent whether created through the expense flow or the installment button. Failed payments no longer show false success states. The app now properly displays insufficient balance errors, and rejected payments no longer affect balances, installment progress, or transaction logs. Recurring charges are also more controlled and will stop before pushing accounts beyond available funds. BUDGETING & INSIGHTS Budget overview now shows the total allocated budget alongside how much has already been used, making it easier to track progress at a glance. Monthly category breakdowns are now fully visible. You can see all categories instead of just the top 4, with better visibility into where your money goes. HISTORY & FILTERING A date range picker is now available in history filters, with total income and expense summaries updating dynamically based on your selection. Goal contribution logs now properly respect filters and only appear when relevant. Bulk edit is now supported, allowing you to select and update multiple transactions at once. Recent transactions on the home screen now include day labels, and currency inconsistencies in history have been fixed. TRANSACTIONS & INPUT You can now use k-notation when logging transactions, making inputs faster. Recurring transactions now support a quarterly option. Optional descriptions have been added for debts and money owed tracking. Lent money entries can now be edited or deleted individually without removing the entire record. The expense note field has been redesigned to be more readable, and spacing across forms has been improved. UX & FLOW IMPROVEMENTS Account search is now fixed, preventing it from being blocked by the keyboard. The transfer flow now uses clearer dropdown-style selectors. Navigation issues have been fixed when creating multiple transactions or editing accounts, ensuring users are returned to the correct screen. The chat interface has also been updated for a cleaner look. ONBOARDING A new onboarding step has been added to allow users to enable notifications early in the setup flow. BUG FIXES Fixed the net worth date picker visibility issue. Resolved edge cases in recurring and installment logic that could lead to incorrect balances. Fixed false success states during payment failures.

INVESTMENT ACCOUNTS Users can now create investment accounts for US stocks and cryptocurrencies. The app fetches the latest market data so you can track your investments alongside your other accounts in one place, giving you a more complete view of your finances. CORE FINANCE & BALANCE LOGIC Added Available Balance / Spendable Amount for debit accounts based on current balance plus expected inflows minus expected outflows. Net Balance and Available Balance are now clearly separated with improved labels and helper copy. Introduced account-level expected cashflow helpers to support these calculations. Added a Beginning Balance history trail when creating accounts with an opening balance, and this now appears in both account and global history using the balance adjustment model. Updated UI to clearly distinguish Beginning Balance from Balance Adjustment. Balance adjustments now support notes, and the term “sync” has been replaced with “adjust.” INSTALLMENTS (MAJOR UPGRADE) Installments now support full create, edit, and delete functionality. You can create installments directly without going through Add Expense, with a dedicated create/edit screen and a new Add Installment entry point. Installment overview now includes edit and delete actions. Added validation rules for plans with linked payments. Payment logs can now be edited or deleted, with automatic recomputation of balances, totals, counts, and next due dates. Added a detailed payment editor flow accessible directly from History. Updated History behavior so installment entries open editable payment details instead of redirecting to the plan. Added tests for installment flows and rollback behavior. Improved setup to support backdated first due dates, automatically aligning the next due date to the correct cycle, with helper notes explaining this behavior. RECURRING & SCHEDULING IMPROVEMENTS Fixed the Start Later logic so the selected date is now treated as the exact first due date. Added the ability to edit the start date of recurring expenses instead of recreating them. Introduced support for variable recurring bills. For recurring expenses set to manual mark, logging a payment now asks for the actual amount instead of always using the template value. ANALYTICS & INSIGHTS Added a Net Worth section in Statistics. Introduced a calendar spending heatmap. Added an interactive expense distribution chart when viewing calendar ranges for better analysis of spending patterns. UI / UX IMPROVEMENTS Repositioned the account picker in the add income and expense flow for easier access. Limited account display to four by default with a Show More option for better usability. Updated account selection to a grid layout for debts and receivables. Improved help text, empty states, and in-app copy. Subcategories are now visible when updating categories via long press. Receipt scanning now properly assigns subcategories without needing to edit from history. Removed credit accounts as options when adding income and restricted them to appropriate flows like credit expense logging in Installments. CHAT & INTELLIGENCE Fixed an issue where chat responses used the wrong currency for specific accounts. Chat now respects the account’s actual currency instead of the global preferred currency, improving accuracy in balance queries and context-based responses. TRANSACTIONS & DATA HANDLING Added notes support in balance adjustments. Fixed issues in flow split computation. Improved how installment-related transactions are handled in history and balance calculations. DECIMALS & FORMATTING Decimals are now enabled by default across the app. Updated global handling of decimal values for more consistent formatting. FIXES & MINOR IMPROVEMENTS Fixed an issue where the calculator was not hiding in the Search Account input. General UI polish and consistency improvements across the app.

CHAT WITH TARSI Chat with Tarsi is now available on older iOS devices Chat now supports date-based inputs such as logging past transactions Improved chat intelligence and responsiveness Users can check account balances via chat Users can transfer account values via chat Users can update goals, debts, and money owed via chat Added support for follow-up corrections within chat INTEGRATIONS Added support for logging expenses using Hey Siri Added support for logging expenses via Apple Watch ACCOUNTS AND CREDIT Credit account cards now show remaining credit instead of used versus maximum credit Users can now pay debts or credit card balances using another credit card, including support for balance transfer fees Added support for external payment sources for credit accounts Optional maintaining balance can now be set for accounts TRANSACTIONS AND INPUT Pre-populated text and smarter predictions when entering similar transaction details for faster logging Confetti effect now appears when logging significant income Transaction history dot indicator is now more compact Added transition animations when applying filters Calendar view now supports date range filtering CATEGORIES AND ORGANIZATION Users can now edit and delete pre-configured custom categories to better control visible options Added more supported icons for categories Fixed subcategory issues and added rename option DEBT, GOALS, AND MONEY TRACKING Account selectors in debt and money-owed screens now use a two-column grid layout Goals now use the same two-column account grid for consistency Added full edit and delete support for goal transaction logs Fixed wallet calculations so goal amounts are no longer incorrectly added back to source accounts Deleting a goal now properly reverses all related contributions and withdrawals back to original account balances UI AND EXPERIENCE Tapping daily balance on the wallet screen now opens the statistics view Installments are now hidden when the user has no credit account Improved OCR for receipt detection Added shortcut templates for faster actions

NEW FEATURES Introduce multiple profiles feature Add OCR receipt scanning alongside image upload input Add installment overview page Add transaction logs for debt, money owed to you, and goals Add update and delete functionality for debt and money owed to you entries UI & EXPERIENCE Improve notes screen experience Make subcategories collapsible Add preference setting for default action when holding or pressing the add button Improve navigation menu smoothness FINANCE & TRACKING Add daily interest frequency support for accounts with interest Auto increment balances based on configured interest intervals Add optional statement date for credit cards, visible in full card view only Adjust forecasted cashflow to follow cash-basis treatment for credit card charges, excluding credit expenses from actual expenses until paid TRANSACTIONS & INPUT Add quick recent expense buttons in add income and expense flow Add image upload support for all transaction types Open full transaction details screen with image preview when tapping a transaction Add live comma formatting to money inputs in debt, money owed, and goals editors BUG FIXES Fix decimal display issue for account balances when decimals are enabled Fix balance syncing issues when editing accounts

This update focuses on deeper financial visibility, better planning, and a cleaner, more consistent experience across the app. UI & EXPERIENCE UPDATES The app has been visually refreshed with a new primary color and updated Tarsi mascot. Navigation has been improved with a unified bottom menu across iOS and Android. Categories now have dedicated screens, support subcategories, and allow direct navigation from the home screen. Wallet and account management have been refined with faster edit access, better visibility controls, and clearer indicators for accounts excluded from totals. Account selection in transaction forms is now easier with a grid layout and search support. Major screens including Goals, Debt, Money Owed, and Help have been redesigned for better clarity and usability. NEW FEATURES Tarsi now introduces a full Planned Payments system, bringing together recurring and future one-time transactions into a single view so you can clearly see what is coming next. You can now create future payments with due dates, get reminders for upcoming payables or paydays, and manage everything in one place. A new forecasted cashflow view is now accessible from Wallet insights, showing actual and expected inflow and outflow based on recurring entries, debts, receivables, and installments. Daily expense summary is now available with a simple swipe from the home screen, giving you a quick snapshot of your daily spending. You can now generate income and expense statements in PDF format, alongside existing CSV and JSON exports. Tarsi now includes built-in notes and checklist functionality so you can track upcoming expenses, shopping lists, and reminders without leaving the app. Automatic local backups have been added to ensure your data is always safe and recoverable. FINANCE & TRACKING IMPROVEMENTS Debt and money tracking have been significantly improved. You can now add new borrowings under an existing person, update existing balances, and track total accumulated debt per person. You can also specify the source of funds and automatically deduct from the correct account when logging. Credit and debit accounts now support balance adjustments, allowing you to sync your real balances while keeping a clear transaction history of changes. You can now convert credit transactions into installment-based debts with proper tracking and scheduling. Goals are now more powerful, with dedicated screens, improved tracking, and the ability to withdraw savings back into your accounts. If a goal is tied to a specific account, its balance is now reflected in that account. Recurring transactions now include a full overview screen, clearer category and account visibility, and better handling for bi-monthly schedules. Money owed to you can now be tied to a specific account, and transactions now clearly show which account was used. INSIGHTS & INTELLIGENCE Tarsi insights are now smarter and more contextual. You will receive feedback not only on expenses but also on income entries, helping you make better financial decisions. New contextual tips and guidance have been added throughout the app, powered by Tarsi to help you stay on track. Privacy mode now fully applies to insights as well. FIXES & ENHANCEMENTS Improved consistency in currency handling across recurring transactions and dashboards. Resolved issues with category selection, including the “Other” category not being selectable. Fixed wallet icon responsiveness and multiple UI inconsistencies across screens. Improved toggle states and subcategory display in transaction records. Accounts excluded from net balance now correctly stay out of totals, with a quick toggle to show or hide them. General performance improvements and stability fixes across the app.