UI Improvements -Monthly amount can be entered manually in installments -Zero charge/new installments can be edited -Currency fall back rates updated for offline use of multi-currency figures

-Critical fix for app crashes in certain iOS versions. -Minor bug fix on savings goals contribution day picker. -Stability improvements and more recovery options for users reporting app crashes.

SAVINGS PAGE IMPROVEMENTS -Deposits and transfers can be tagged to "income" categories. -Savings goals are now available. Tag any deposit or transfer to a savings goal. -Reorder accounts within a group. SPLITS IMPROVEMENTS -Only your share of the splits get deducted from your net worth. -Your share for all splits now visible in splits page LIABILITIES IMPROVEMENTS -Users can enter custom month options -Completed installments and loans can now be archived OTHER IMPROVEMENTS -Bill end date can now be set. -Calendar view now starts on Sundays. -Expense categories can now be reordered. -New currencies supported: Omani Riyal(OMR), Qatari Riyal(QAR), Indian Rupee(INR). -UI optimizations and rearrangements. Bug fixes: -Clear button in expenses search bar now fixed. -Installments now do not appear in calendar view beyond their installment period. -credit cards and other liabilities does not appear for some users when they add new ones, now fixed.

This update contains the following updates: -critical update for some users low on storage where app fails to launch. -UI changes on bills seeing totals for easier tracking. -new interval options for subscriptions and bills including weekly and fortnightly options. -new budget widgets

Liabilities improvements -Expenses and installments charged to credit cards now instantly deduct from net worth. -Credit cards and loans are now payable with other credit cards. -Liabilities trend now available to reflect progress on bringing down liabilities. -Editing loan type now saves properly -Toggle which counts towards your net worth Calendar View Optimizations -Bills and installments do not bleed anymore beyond the start date. -Credit card due date now visible and reflects cycle charges Installments Optimization -Existing installments can now be added without the need to place all previous charges -Deleting an installment removes the corresponding credit card transactions and updates the credit limit properly

Account Group Management -You can now edit and delete account groups directly from the Assets tab via the new "Edit/Delete Groups" sheet. Tap the pencil to rename or swipe to remove a group. Transaction Fees Tracking -Deposits, withdrawals, and transfers now have an optional fee field. When filled, the fee is automatically deducted from your account and logged as an expense under the new "Transaction Fees" category, so it shows up in Analytics. Recurring Income Auto-Deposit -Active recurring income entries now automatically deposit to their linked account on the scheduled day, the same way subscriptions auto-log expenses. The income row also now shows the actual next date (e.g. "Next Jun 20") instead of just the day number. New Currencies -Added support for Kuwaiti Dinar (KWD), New Zealand Dollar (NZ$), Bahraini Dinar (BHD), and Chinese Yuan (CN¥). Calendar View Update -Credit Card due date now seen in the calendar view of expenses. Bug Fixes -Renaming a bill split now correctly updates the name everywhere it appears. -Fixed bill splits showing the split name in the category slot in Home recents and All Transactions.

Critical bug fix: -some users reported seeing their data disappear after the most recent update. This will automatically be restored on this updated. The app pointed to wrong database storage of the files on device which caused it to load an empty state. Data is preserved on your device and will be loaded properly on this update.

BILLS WIDGET A brand-new widget that shows your upcoming and overdue bills right on your Home Screen. Pay bills directly from the widget without opening the app. SPLITS NOW CLEANER Bill Splits can now be mass archived so you don't have to do it individually. Splits created from an archived trip also get automatically archived when they are settled. EXPENSE CATEGORY GRID The Expenses tab now has a grid view so you can see all your spending grouped and visualized by category at a glance. Switch between list, grid, and calendar views from the header. DAILY TIPS A rotating tip banner on the Home screen surfaces a new Halò feature each time you open the app. Dismiss it anytime or toggle it in Settings → Preferences. LOAN MONTH PROGRESS Loan cards now display estimated months remaining and percentage paid just like installment cards. MORE PERSONALIZATION OPTIONS AND PERFORMANCE IMPROVEMENTS -Split now available as a quick action option -Liabilities page load faster with more capacity records after optimization -Text and element alignment improvements in Settings

Emergency bug fix: -Bills with due date in the past are created on the same month instead of the next month, now corrected. Example, on the 20th of the month, the user created a bill due every 5th of the month. A past due is created for that month instead of being created for the next cycle. No user action needed to correct.

Bug fixes: -Category of a bill split is now carried over to main bill split page when created from inside a trip. -Quarterly/yearly subscriptions next due is now handled properly when initial date is in the past. UI Improvements -View bills in a timeline or a next month upcoming view -Set default payment sources for each bill for faster recording of payment -Bill Splits now viewed by category for a cleaner look -Added quarterly and 6-month intervals for subscriptions

Expenses Views and Filters -Filter your transaction list by category using a scrollable pill bar under the search field. -Group expenses and splits by category inside a trip. Starts collapsed so things stay tidy. -Timestamps in trip detail -Payment badge now shows your actual account or card name instead of generic "Bank" or "Card." UI Improvements -Clear long fields with one tap -Transfer transactions now reflect as a single line in Recents and All Transactions table instead of two. -Log expenses faster with fewer taps by setting the default category and payment method in Settings. -More personalization options. Hide elements you do not want to see in your home page. -Added option to clear only media files like receipts, QR codes, and logos to free up space. Bug fix -Editing a bill split no longer resets the "Paid With" field. -Weekly Sunday summary notification triggers properly for all cases -Keyboard now dismisses on blank space taps. Performance -Faster rendering in the Expenses tab, especially on first open.

UI display fix - Investment transaction shows base currency symbol instead of actual investment currency symbol. OCR Improvements - Recalibrated and tested on more receipt formats.

RECEIPT SCANNER UPGRADES - Rebuilt OCR engine correctly reads rotated and portrait-flipped photos from your camera roll - Picks the grand total instead of item subtotals - Reliably identifies the brand name rather than a franchise operator or legal entity suffix - New crop-and-adjust screen lets you frame exactly the part of the receipt you want before scanning - Live viewfinder mode available for direct camera capture WEEKLY STREAK - New streak card on the Home screen tracks how many consecutive weeks you've opened the app - Progress dots show your last four weeks at a glance - Missed a week? Use a Shield to protect your streak. You start with one, and earn more at every four-week milestone, up to a maximum of two QUICK INSIGHTS - New Insights card on the Home screen surfaces a plain-English summary for each section - Covers your savings trend, investment performance, spending concentration, and upcoming bills - No charts to interpret, just a direct read of what the numbers mean EXPENSE CALENDAR - Tap the calendar icon in Transactions to switch from list view to a monthly calendar - Color-coded dots per day for logged expenses, upcoming bills, subscriptions, and recurring income - Tap any day for a full breakdown; swipe to move between months SAMPLE DATA MODE - Explore Halò with realistic demo data before entering anything real - Load from the end of the tutorial or from Settings → Clear Data - Only demo records are removed when you clear. Any real data you added alongside them is untouched BACKUP & RESTORE - Backups now include your full Home screen layout, notification preferences, hide-amounts toggle, account list/grid preference, share card themes, and navigation bar configuration - Everything restores exactly as you left it BUG FIXES & POLISH - Quick-action buttons no longer fire accidentally when scrolling - Emoji field in new category sheets selects all on tap, just type to replace - Section labels in Clear Data now match the navigation bar naming

Smarter category picker - tap Category when logging an expense to browse, select, or create a new category all in one place, without leaving the form. Auto-remove zero-share holdings - selling all shares of a stock now automatically removes it from your portfolio. Transaction history still shows the correct ticker even after the holding is deleted. Customize from the home screen - "Customize Navigation Bar" and "Customize Home Screen" are now accessible directly from the ··· menu on the Home tab. Payment QR codes - attach a GCash or bank QR to any account and share it instantly on bill split cards. Backup reliability fixes - restoring a backup no longer risks overwriting itself; older backup files now restore cleanly without errors.

Halo is now more yours. Personalization updates added like: -You can now customize your quick action buttons on the Home screen. -You can rearrange the navigation bar tabs to show only what matters to you. -You can now toggle to view accounts between being in a list or in a grid. -Set how you want to be reminded about bills by picking the time and the number of days before the due date. Expense categories got a full upgrade: you can now rename any category and create new ones on the fly when adding a new expense. The Log Expense shortcut now works with debit cards and bank accounts, not just credit cards. Quick Log covers everyone regardless of how they pay. On the import side, transfers between accounts are now handled correctly, and there's a clearer guide for users who transact in foreign currencies.

Import your Sheets - You can now transfer data from your other budgeting apps or tracking sheets into the app to skip the hassle of recreating everything from scratch. Smarter OCR — Better at picking up store names and totals, especially on Philippine receipts. Loan Payments — Monthly payment amount is now pre-filled when making a payment. Clamps to remaining balance on the last installment. Bug Fixes — Expense amounts no longer shift when revisiting the page. Credit card "Amount Owed" now shows cents. Performance Improvements - optimized app performance for edge cases on large number of transactions from sheets.

Version 1.72 New Feature: >Quick Log is here! This feature uses shortcuts so that you can ask Siri or use the back tap(double or triple taps) to quickly log transactions without opening the app. Tap the "..." on the upper right and then go to Settings. Scroll down and look for Quick Log and follow the instructions for the option that fits you best. Thank you Clang for the suggestion! Bug fixes: >Paying off a credit card in a different currency now deducts the correct amount from your bank account. For example, paying an AUD credit card balance from a PHP bank account will now properly convert and deduct the equivalent PHP amount. >Payment reversal or deletions now also reflect the converted amount for cross currency transactions. >Bills in any currency now show the right symbol. If you had a bill set to EUR, SGD, or any currency other than PHP or USD, it was incorrectly showing a "$" sign. It now shows the correct symbol everywhere. >The bills alert on your home screen is now more accurate. It was sometimes showing ₱0.00, missing upcoming bills that fall just a few days into the next month, and showing the wrong amount in the "Next due" line when your base currency wasn't PHP. All fixed with the banner now showing the correct total, counting all your upcoming bills, and converting amounts to your base currency properly.

Bug fixes in calculation affecting every user using other currencies beyond PHP and USD. Thank you Niño for the catch! -Net worth calculation treats foreign currency as PHP before converting to USD has been fixed. -default currency in any transaction now defaults to the base currency selected for faster input. -multi-currency fix applied across all pages converting to php and removed all hard coded PHP currency signs.

Multi-Currency Improvements Log expenses in any of the 14 supported currencies and they'll be converted to your base currency automatically. Cross-currency transfers between accounts (e.g. USD → PHP) now correctly apply the live exchange rate, with a preview of the converted amount shown before you confirm. Currency display is also fixed across Savings, Liability Detail, and the bill/income editors — amounts now always appear in your selected base currency rather than defaulting to ₱. Budget Caps per Category Set a daily, weekly, or monthly spending limit on any expense category. A budget summary appears on your home screen to see your status on each expense category. Improved Expenses Tracking Timestamps are now added to help you remember when an expense happened. A search bar is also available for you to quickly look back on past expenses. UI/UX Improvements Bugs were taken care of everywhere they were hiding. Removed bugs like a new subscription immediately being logged as an expense, share cards neatly realigned, values and estimates now made more accurate, and page guides updated to help you make the most out of the app!

Scan Receipts to Log Expenses — Attach a photo of your receipt when adding an expense and Halo will automatically fill in the details for you. Archive Bills & Splits — Archive bills and bill splits instead of deleting them to keep your history intact. Swipe right or tap and hold to archive. Archived items are hidden from your active lists, won't trigger alerts, and are excluded from Analytics — but can be restored anytime from the collapsible Archived section. Multi-Currency Trip Expenses — Log expenses and bill splits in any supported currency. Exchange rates are locked at the time of logging so historical amounts stay accurate even as rates change, and all totals are shown converted to your base currency. Participant Repayment Progress Rings — In Trips, each person's avatar now shows a progress ring indicating how much of their share has been paid. Contextual Page Guides — The help guide in the Expenses tab now shows content specific to whichever sub-tab you're on. Bug Fixes Fixed transactions being left as orphans when deleting a bill or bill split with recorded payments. Fixed an issue where multi-currency split payments could incorrectly show as fully settled.

Receipts, everywhere. Attach a receipt photo to any expense or bill split — snap it right from the add sheet, and it'll show up inline whenever you review the record. Receipts are included in your backups too. Smarter expense filtering. A new time-period bar lets you cut your expenses any way you want — last day, week, month, 3 months, 6 months, a year, or all time. Totals and category breakdowns update live as you switch periods. Transfers look like transfers. Account-to-account transfers now show up as "Transfer" (in blue) in your recent transactions and transaction history — no more being lumped in with income or expenses. Bug fixes: Cash flow chart in savings calculation fix - Thank you Kenny for reporting!

TRIPS & EVENTS The biggest update yet. Create a trip or event to organize all your expenses and group bill splits in one place. See total spending, track who still owes you, record partial or full payments, and settle everything when the trip wraps up. SHARE YOUR TRIP SUMMARY Send a clean, visual trip breakdown straight to your group chat — total spend, per-person debts, and payment status, all in one card. TRIP PHOTO BACKGROUNDS Add a photo to any trip and it becomes the card's background throughout the app. Your travel memories front and center. GROUP BILL SPLITTING Edit or delete individual payments directly from the Debts tab inside a trip. Full payment history with one-tap reversal if something was recorded incorrectly. CALCULATOR KEYBOARD The amount field now supports single-character backspace — delete one digit at a time instead of clearing the whole number. ADJUST EXISTING STOCK HOLDINGS Add shares or reduce a position on any stock you already own. Average cost recalculates automatically. MAXIMIZED WIDGET The home screen widget now uses the full available space with no system margins — your net worth and today's change are bigger and easier to read at a glance. PAGE GUIDES New in-app guides on all screens will help you get the most out of the app. BACKUP AND RESTORE OR MULTI-DEVICE REPLICATION Backup and restore now covers bill split payments, receivable account links, and trip data — nothing gets left behind.

Investments -Buy more or sell shares directly from the Investments screen — just tap and hold a holding. -Halo recalculates your average cost on each buy and logs realized gains on sells. -A new Transactions tab shows your full history by month, with automatic rollback when you delete an entry. -The Invest shortcut on Home now shows your existing holdings first for one-tap top-ups. Virtual credit cards -Your credit cards now appear as visual cards you can personalize — add a logo of your credit card or pick a custom color. -Cards display your current balance, credit limit, and utilization at a glance. Reorder accounts and cards -Rearrange your account cards within each group. -Reorder your credit cards, any way you like. Open the group menu (⋯) and tap Reorder. Bug fixes -Fixed an issue where tapping "Add Credit Card" in the Liabilities tab was opening the debt/loan form instead. -Reviewed bidirectional flows and pathways

Bug fixes and performance improvements.

- Savings tab redesigned with card-style layout - Credit cards now show visual cards with photo and custom color - Pay Full Balance button when making credit card payments - Bug fixes and improvements