Version 17.3.0 Salary, rebuilt - Gross to net: a monthly social security ceiling, one-tap statutory rates, and a withholding tax estimate from this year's brackets (THB and VND books) - Provident fund is its own deduction on the salary, payslip, year to date and PDF - Category: a monthly target per category, a 6 month trend, and an Insight card when categories are near or over target - Allocation: assign categories to daily life, regular and extravagant, see what each share can still spend a day, and get an alert at 80% - Saving plan: runs on the wealth plan engine, milestones drawn as a timeline, and a 9:00 reminder on an auto-save payday - Hourly rate: public holidays and leave a year, a week and month schedule chart, and the minimum wage range for THB books - Payslip: step back through earlier periods, year to date from a chosen month, record as income, share as an image or PDF - Payday per month, a salary history timeline, and bonuses filed as income - Overtime: paid on the legal base at 1.5x, 2x and 3x, weekly meters against the 36 hour limit, reaching the payslip and the cash-flow forecast - Every tab has a two column layout on Mac and Windows More - Calendar: weekly total and weekly average - Debts and receivables show the outstanding total above the list - Debt: the payoff planner has a balance chart and a month-by-month plan; the interest comparison and prepay calculator name the currency; a card late fee is added as a new charge on the card - Stock: the DCA plan previews the next three contributions - Fuel tracker is open to everyone - Currency flag and code on many more screens Fixes - Twelve picker dialogs changed your list even when closed with X - Calendar: a card purchase is overdue only after the due date of its bill - Forgive and bad debt: a second tap no longer saves twice - Deleting a vehicle in the fuel tracker no longer leaves its records behind - Icon picker, stock picker and dark themes read better

Version 17.2.0 Wallet Story on LINE - Add @walletstory on LINE, then link it in Menu, Extension, Payment confirmation / Receipt. - Forward a transfer slip, a shop receipt or a voice message, or type an entry such as coffee 65. It reaches the app, and with automatic slip recording on it is recorded for you. - Pick a category and how you paid with one tap, ask for today, this month or your budget, and cancel anything until the app takes it in. Languages and countries - Danish, Czech, Hungarian, Swahili and Arabic: 25 languages in all. Arabic reads right to left. - Japan: AI reads Japanese receipts and slips, a furusato nozei tracker, a NISA quota screen, resident tax and pension in the forecast, and Japanese invoices. Record faster - A bank message is recorded on the account it names. On Android, Tasker or MacroDroid can record without opening the app. - Excel and CSV import for everyone: match unknown names, skip rows already in the book, undo the last import. - Templates: pin to the top, record in one tap, export and import. The free plan holds 10. - Debt names and notes suggest what you typed before. Calendar - Three calendar styles: Classic, Rounded tiles and Minimal, on the calendar widget too. - The day a card bill was paid is marked, with the bill's transactions grouped under it. Money flow and summaries - Income minus expense is now called Net, with a note on what it means. - A card compares Net with the real change in your cash and accounts. - Each category compares with the period before, and the month still running is left out of the average. Assets, debts and cards - Bonds: a new asset type, with coupons in the cash-flow forecast and a reminder before maturity. - Collateral and guarantors on a debt or a receivable, with photos and files. - Is this card worth it: a summary of your whole wallet, and an Insight card for cards that cost more than they return. - Points rules: caps per month, year or promotion, and a minimum spend for a bonus. - Choose whether a paid card bill records each purchase on its own day or on the payment date. Also new - Net worth is recorded once a day by itself, and Year in Review compares with the year before. - Splitting: settle up in fewer payments, pay part, and undo a settle-up. - Several overdue scheduled items can be approved or skipped at once. Key fixes - The app could not open after updating from a much older version. - The first screen after reinstalling could stay on "wait a moment". - Rows created at the same moment, such as budget amounts per category, could be lost. - Editing a recurring item no longer brings back its old occurrences. - Deleting from a transaction list could remove the wrong row. - Year in Review left out foreign-currency transactions.

Version 17.1.0 Credit cards - Installments tab: every plan on every card, what goes into the next bill and what is still owed. - Bills tab: the total to pay on all cards, overdue bills and the card to pay first. - Category tab: what you bought in each category against the month before, and the card that gives the most back. - The card shows its next billing period and warns when moving installments would leave a bill empty. Investment portfolios - Each portfolio group shows its own value, profit, return and XIRR. - A target share per portfolio with the amount to add or reduce, and progress to the goal. - Split a top-up across portfolios below their target, and an Insight card for portfolios off target. - Compare a portfolio with SPY, QQQ, VT, GLD or TDEX using the same cash flows. - Link a whole portfolio to a saving goal: stocks you add to it later count too. Assets - Holding period tab: assets grouped by time actually held, with an annual rate and a holding target. - Equity tab: what you own against what you still owe on each asset. - Performance tab: price gain plus income less running costs, per asset. - An Insight card for assets that owe more than they are worth or are held past target. Widgets - This week: expense, income and net over seven days. - This month and this week in one large widget. - Upcoming payments for the next 7 days, and budgets for up to 4 categories. - Preset amounts on the category widget save in one tap, with the payment method you choose. Paid for someone else - Turn on "Paid for someone else" when saving an expense and the money owed back is recorded for you. - A sub-category can be left out of your budgets while it stays in every report. - A card for money owed back to you, and one message with a QR code to ask a person for all of it. Also new - An Animations switch in Settings, Display; the app moves more smoothly, with a light vibration that follows the Sound switch. - Savings circles: choose to count contributions as expenses and collected pots as income. - A neutral category can bring money in, such as a friend paying back an advance, without counting as income. - Number formats 1 234,56 and 1,23,456.78. - AI reading of slips and receipts for the Philippines, India and Malaysia, and for Germany, the Netherlands, Belgium and France. - A new install starts in the currency of the device's country, also on a phone set to English. - The quick-add keypad widget shows numbers in the format you chose in the app. - A person's page lists their 10 latest transactions and can show all books. - On Mac: Shortcuts, a Share Extension for slips, the quick-add keypad widget and more keyboard shortcuts. Key fixes - Sub-category and tag totals counted a transaction twice when it held the same link twice. Totals can go down after updating, to the right figure. - The app repairs missing parts of its database while it updates, so it cannot be left unable to open. - Fixed crashes when signing out on iOS, on the Overview, and in several other places. - Signing out deletes every budget of the previous account. - Exporting a filtered summary to Google Sheets writes numbers you can add up.

Fixes an issue where the app could not open for some users after updating to 17.0. Credit cards - Auto set-aside: every purchase on a card moves the same amount from a source account to a set-aside account, so the bill is covered when it arrives. - Skip or change any one charge, and deleting, editing or refunding a purchase offers to return or top up the money set aside. - Type the bank's total on a bill to see the difference and the charges most likely to explain it. - An annual fee waiver spend target, with an alert when you are falling behind. - Installment plans in one place, points per card, and the best card for each category. - Estimated interest when a bill is paid partly, a usage alert, and a foreign transaction fee. - An automatic debit account: a reminder on the due date and a one-tap record of the payment. Dividends - A dividend chart tab on the stock screen: monthly, quarterly and yearly, by stock, industry or market. - Growth, where the income comes from, income by currency, and announced dividend cuts and raises. - Dividends against your monthly expenses, and a 15-year projection with and without reinvesting. - A notification when a stock you hold announces a dividend cut or raise, and a Dividend income card on the Insight tab. - Dividend history: pick from every symbol ever paid, with remembered filters. People - A page for each person: what you spent together, a 6-month trend, categories, and who owes whom. - People this month on the Insight tab: the three people your spending went with. - Select several people to move them to a group or delete them, and restore deleted people. Also new - Exchange rates: read a row either way, the change since last month, a 12-month history, and your own currencies first. - Light or dark per widget on iOS. - Google Drive backups: automatic backup status and cleaning up old backups. - Export: grouped tabs, one Summary tab, and redo an export from the history. Key fixes - Cash is no longer counted twice after signing in on a new device. - Budgets: per-period plans sync, alerts use the same figures as the budget screen, and lending and refunds no longer count as budget spending. - People figures in Summary follow your start day of the month. - Paying a credit card no longer deposits a cashback bigger than the bill. - Deleting a slip also deletes its picture on the device.

Long-term savings plan and retirement check - Save the same amount every month, add a bonus, and see your money in any month up to 100 years ahead. - Return, inflation and a yearly raise of the saving, with a chart and a year-by-year table. - Retirement check: how long the money lasts, how much you need, and how much more to save each month. - Income after retirement, including a Thai Social Security pension estimate, and medical costs. - One-off sums in and out, the odds the money lasts, and the earliest age you could retire. - Compare the plan with what you actually saved, get an alert when you fall behind, and export it as a PDF. Home screen widgets - This month + quick add: expense, income, the balance of every wallet, and buttons to add an expense or income. - A large size with the budget, what can be spent per day until the month ends, and payments due in 7 days. - Set up each widget on its own: its type, account and period (iOS 17 and later). - A Lock Screen widget (iOS 16) and Control Center buttons (iOS 18). - Widgets on Mac, and widgets that update while the app is closed. - The quick-add widget can pay by credit card. - Widgets turn over to the new month by themselves, update when another device changes something, open their screen when tapped, and can hide amounts. Calendar - Sync several accounts at once, with invoices, purchase bills, visas, fixed deposits maturing, warranties expiring and XD dates of stocks you hold. - Calendar notes in the sync, events at a time of day with a reminder, and a month summary on the 1st. - Tap an event in your calendar to open it in the app. - Subscribe with a private link in Google, Apple or Outlook Calendar, also on Windows. - A notes-only view, skip or move one occurrence of a repeating note, and reminders pushed to every device. Icons - Search icons by name and group, also in Thai. - NEW badges for new groups, zoom, favourite icons, and use an icon for a category straight away. Also new - Savings rate with a target from your Financial Health rule set, compared with your savings plans, and an Insight card. - Comparison with the previous period on the Summary tab. - A category's default payment shows as one-tap rows when you save, and cash can be a default. - Assets: realized gain, a sold view, and loans linked to an asset. - See what the app stores on your device, and clear it safely. - Export opens on the latest month, splits files from one place, and remembers your last choices. - Bank statement import for Krungsri, ttb, BBL, MAKE and English KBank and KTB statements. - Desktop layouts for the photo gallery, salary, assets, investments, aging reports and more. - The create-transaction menu opens at once, and long lists open faster. - Dialogs, date pickers and many screens are easier to read in a dark theme. Key fixes - Duplicate transactions that grew on every sync are cleaned up, and a transaction deleted while its form was open no longer comes back. - Deleting a debt payment made from a bank account removes its bank movement. - An invoice cannot be overpaid, and a credit note cannot exceed what is still owed. - Transaction, debt, receivable and credit card forms cannot save twice. - Widgets show only your own book, never a shared book you have open. - The iOS slip library scan no longer fills your storage. - The iOS daily reminder is no longer removed by a shared-book invitation.

Calendar day notes - Write a memo on any day, with no money attached. A day can hold several notes, and a shared book shares them with its members. - Repeat monthly or yearly, and get a reminder at a set time or 1, 3 or 7 days ahead. - An all-notes screen with search, and an Insight card for the next 7 days. - Turn a note into a transaction, prefilled with its text and day. - Tags, people, photos and files on a note, and a filter by tag or person. - Tick a note off as done, each time a repeating note comes round, and restore a deleted note from the recycle bin. Slips - Auto-record: new slips from your photo library are read and saved as expenses for you. - Anything uncertain, such as a possible duplicate, a transfer between your own accounts or a missing amount, waits for your review, and every recorded slip can be undone. - When saving many slips at once, choose to take the money from cash or a bank account, and ignore a picture that is not a slip for good. Secret notes - Trash, pin, archive and templates. - Encrypted attachments, secure share links, backup and restore, an emergency kit and a security score. Also new - Stocks and crypto: transfer out or pay a fee in units. - Cash history: pages, monthly totals, filters and search. - On a computer: a glance panel beside your transactions, quick add, bulk edit, and drop a slip image to read it. - On a computer: Ctrl+K jumps anywhere, the side bar fits the window, and badges show payments due soon. - Desktop layouts for Home Supply, Splitting, Health and more. Key fixes - Payments, edits and deletes that involve a wallet or a debt of another book now move money in the right book. - Cash transfers and adjustments use the cash you chose, and a cross-currency transfer keeps its rate and date. - Receiving several receivables at once gives each its own amount. - A multiple-item transaction paid from a bank account shows each row on its own date in the account history. - Excel and Google Sheets exports carry the sign of each category. - A broken gold price quote is rejected instead of rewriting every gold holding. - Notification taps on iOS open the right screen and never appear above the PIN screen. - The iOS 27 small widget amount no longer shrinks to half size.

Home Supply - Recipes: one tap takes several items out at once, shows how many more times you can make it, and works by voice or from Shortcuts. - Scheduled use: deducted automatically, or waiting for your approval, with a reminder while rounds wait. - Count your stock and let the app adjust it. Track the opened date, where each batch is stored, and freeze a batch to extend its date. - Item photos, merging duplicates, and product names from barcodes other users have shared. - AI menu ideas from what is about to expire. - A monthly supplies budget, this month's waste, prices by shop, and next month's forecast. - Stock on any date, bulk edit, and export to Excel. Debts and receivables - An installment reminder 3 days ahead. - Forgive a debt: closed without paying, and not counted as income. - Discounts, late fees, collateral and guarantors, and a prepayment calculator. - Send a payment request with a QR code, and a receivables aging report. - Bad debt keeps its write-off date and amount, so money that comes back later shows as a recovery. Special budgets A credit card purchase can now be part of a special budget. It counts once, on the purchase date, and not again when you pay the bill. Also new - Search on every menu page, and badges only where something needs your attention. - Your profile explains what each quota counts. - Desktop layouts for bank accounts and business document settings. - Less data is synced each time the app opens. Key fixes - The share count when receiving a dividend now comes from your trade history at the ex-date, instead of 0 or an old value. - A refinanced debt no longer counts twice beside the new one. - Credit cards: reverting a bill no longer bills the first interest installment again, bank entries of a paid bill carry the payment date, and the paid amount in the list matches the bill. - Paying several debts at once splits a reducing-balance installment into interest and principal correctly. - Amounts are rounded to the currency's decimals in the transaction form. - Social security deduction up to 10,500 baht for tax year 2569. - The bank ledger check no longer reports missing data after a transaction is deleted.

Home Supply - Set how many days an item keeps, and every new batch you buy gets its best-before date automatically, including batches from a scanned receipt. A 4-day vegetable is no longer flagged as expiring on the day you buy it. - Use more than one at a time, such as 0.5 kg of rice or 2 limes, with new kg and g units. - Move the items you choose from your own cupboard into a shared household, even one that already has stock. They keep their batches and history. - On Mac and Windows the item form and item detail use two columns, and the item list shows up to 3 items per line. Also new - Home screen icons stand out more, and two-line app names no longer overflow. - Stock, fund and SET prices are now fetched through our own server instead of keys kept inside the app. Fixes - The THB / USD filter on the dividend page only filtered the paid tab. It now filters every tab. - Thai dividends missing from the waiting-for-XD list are back. - Home Supply insights: picking a house with nothing to report left no way to switch back. - Crashes when editing a transaction from a summary after rotating an iPad, switching the time mode of a summary on iPad, leaving a summary before it loaded, opening an account menu during a sync, turning on the daily reminder, deleting an entry that had not reached the cloud yet, leaving a bank account while a deposit or withdrawal was saving, and confirming over a credit card statement.

Refund to a credit card Record money a shop puts back on your card, from the card's own menu. A purchase you have not paid yet is reduced, or removed when the whole amount comes back, and anything already paid becomes credit on the card. Also new - Your assets on the account overview card, as one total or broken down by type. Key fixes - Credit card cashback was ignored when paying several debts at once. - Calendar sync created every event again on each sync on a phone set to the Buddhist calendar.

Share your book Other people can now read and write the same book as you, synced live: a couple managing money together, or an owner and their accountant. Choose whether each person can only view, add entries, or also delete, and share the whole book or only some wallets. To share only some wallets, update the app on both devices first. Home Supply has its own shared household. Savings circles Track a rotating savings circle you belong to, fixed or bidding, with several shares, an organizer fee and a reminder on each round's due date. Paying in and collecting stay out of your income and expense totals, and the interest is its own line, so reports show the circle's real result. Recurring items A new screen with Manage, List and Calendar tabs. See every recurring item in one place with its cost per month and per year, the card that pays it, and badges for a free trial, a price rise or an overdue item. Store a plan name and the day a trial ends, and get a reminder before it turns into a charge. The calendar shows each day's total, and a subscription can be split with others, ticking off who has paid you back. Recurring insights New Insight cards for what your recurring items cost, price changes, renewals, how each is paid, and a cancel simulator that shows how much sooner your nearest savings goal would be reached. Calendar sync Copy credit card due dates, debt installments and recurring items into an Apple or Google calendar you pick. It is one-way, and only events the app created are ever changed or removed. Email notifications Verify your email in settings and choose what to receive: a daily briefing, card statement summaries, a monthly summary, weekly bills, budget alerts and security emails. Every email has a one-click unsubscribe. Budget envelopes Keep a trip out of your everyday budgets while reports still count the money. New expenses inside a running envelope join it automatically. Break it down by sub-category, duplicate it, share a summary as an image, and get a suggested amount from earlier envelopes. Also new - Income and expense calendar: optionally count deposits as expense and withdrawals as income. - Business books: customers and suppliers on one screen, and supplier groups. - Sushi bill splitting: each diner sees their plates with the service charge. Key fixes - Credit card cashback was ignored when paying several debts at once. - Around 40 more money fields misread your number format. - Bill splitting: a crash on expenses without an event, duplicates on a repeated save, and guest names showing as ??.

Sign in with a passkey Create a passkey under your sign-in methods and sign in with Face ID, fingerprint or your device PIN instead of a password. On a Mac you can create one but not yet sign in with it; a passkey made there syncs through iCloud Keychain and works on your iPhone. Edit history, with undo Bank accounts, debts and money owed to you now have an edit history that lists what changed and when. Any change can be reverted, and the revert is saved as a new entry, so the history is never rewritten. Move more to another book Stock holdings, credit cards together with every debt on them, receivables with their payments, and several bank accounts at once can now move to another book. A preview shows what will move first, and says why when a move is refused. Fixed deposits A new overview of all your fixed deposits, grouped as matured or running. Renew one at maturity and transfer the interest out in the same step. Recurring items and installments Mark a recurring expense as a subscription and filter by it. A credit card can store its last 4 digits. Installments can fall due every N days, weeks or months, and the last of a set of unequal installments can be set by hand. Home Supply A shopping plan tab, skipping an item for this round, and using or restocking in packs or pieces. Vietnam and Indonesia Receive money by VietQR, scan a VietQR code to start an expense, read Vietnamese bank SMS, local amount abbreviations, a Vietnamese income tax planner, and AI slip, receipt and voice reading for Vietnamese and Indonesian documents. Restoring a backup Before a restore you are warned when the cloud holds newer data than the backup, and afterwards the device catches up with the cloud instead of being overwritten by it. Key fixes - Money fields misread your number format: an EU-format user typing 30000 saved 30.0. - Deletes of many kinds of records never reached a device that was closed at the time, and some deleted items could come back. - An invoice edited on one device never reached your others, and two business documents could get the same number. - The include-in-budget switch did nothing on income categories. - Photos added on the receivable form were lost on save. - Google Sheets export and Google Drive backup did not work on Windows. - Date pickers now follow the app language, and around a hundred leftover English strings are translated.

• Fixes closing the credit card's debt picker unlinking every debt on it • If a card's credit used reads 0, re-pick its debts on the card form • New: switch a fund in one step, with no money passing through a wallet • See a sample of the AI portfolio analysis before subscribing • A new screen that says whether your book has reached the cloud • Fixes the tag summary counting transfers between your own accounts

The currency and its flag disappearing after 16.8.4 Reported with a screenshot of the credit-card list drawing a broken image where every currency flag should be. The tell was the missing text rather than the broken picture: that row shows the amount followed by the currency code, and there was no code after the figure at all. A fix in 16.8.4 gave a card with no currency of its own an empty currency instead of leaving it to follow its account, and an empty value walks straight past the three fallbacks that work out which currency to show. It hit only cards left on their account currency, which is the default, and only on devices with data sync on. The blank is now healed as it is read, so an affected card corrects itself with nothing for you to do, and a currency that genuinely is not known draws no flag at all rather than a broken one. Reading entries now ask what page you got to, not how many pages you read Reported as: the book has 191 pages, but every reading entry makes me say how many pages I read, and that does not make sense, because nobody sits and counts the pages they have been through; you only know what page you reached. The old field held a count, which is a number you have to work out by subtracting. Pick a book and the field becomes "from page" and "to page". The start is filled in from where the book already is, so all you type is where you stopped, and the next entry opens from there. Read to page 20 today, to page 50 tomorrow, and that is all you ever type. General reading, where no book is chosen, keeps the plain page count, because there is no book to be on page 50 of. Everything you have already logged is unchanged, and so is every figure built on it. The reading streak, the reading goals, the year review and the insight cards all still read the number of pages. The range only records where those pages were. Entries logged before this keep their page count. They open with both fields blank and a line saying they were recorded as a count, because nothing can tell which pages they covered, and editing such an entry can no longer wipe its page count by accident. An end page past the end of the book, or before the page you started on, is refused with a message rather than quietly corrected. A book with no page count set refuses nothing. Other fixes Rows were being rewritten from the cloud on every launch. The app stores times to the second while the cloud keeps the millisecond, so the check meant to accept only genuinely newer copies accepted almost everything. Harmless while both copies agree, which is exactly what stopped being true in the first item above.

• Fixes bank entries missing for months that no sync could fetch • The app no longer recomputes a balance from an incomplete ledger • New savings block on My Finances, with a goal picker • The default icons now ship inside the app and load offline • New "Check image loading" button in Settings • Fixes a repair reporting success before it had repaired anything • Fixes one bad document stopping a whole collection syncing

Finding payment slips in your photo library A slip saved out of a bank app is already waiting in the slip tab, instead of having to be picked or shared across by hand every time. Detection is the QR code the banks print on a slip, decoded on the phone. Nothing is sent anywhere to find them and it costs none of your AI reads. Reading what is written on a slip stays a deliberate tap, exactly as it is for a slip you pick yourself. A photo without a bank QR code is never copied into the app, and a slip whose code you have already recorded is skipped rather than added a second time. Off until you switch it on, and that settings card is the only place in the app that asks for access to your photos. Read every unread slip in one go A banner on the slip tab offers the whole batch instead of opening them one at a time. It counts what it is about to spend before it starts, and asks first. Reading the mutual fund half of a Dime statement The file carries up to three holdings tables — funds first, then foreign shares, then Thai shares — and only the two share tables were ever read, with nothing to say the fund section was unsupported. The fund was simply absent. A fund is now imported as a fund rather than filed as a Thai share, and the month-end value printed on the statement is recorded with it, dated as of the statement rather than the moment the button was pressed. Sending the cloud the entries it never received Until now the app could only ever download: if something you recorded never made it up, there was no way to push it and nothing said so. The app now reports that this device is holding entries the cloud does not, and offers to send them. It covers transactions, debts, money owed to you, and all three payment histories behind them. The upload adds and never overwrites. Anything already up there is left exactly as it is, whichever copy looks newer, and a listing it could not complete refuses the whole run rather than reporting success. It is asked for and confirmed with a count, never automatic. Correcting a cloud copy that reports less paid than your phone Version 16.8.2 stopped such a copy damaging the phone you are holding, but it could do nothing for a phone that has no copy yet, so a fresh install still took the stale figure whole. The app now reads the cloud copy, lists every row where it is behind with both figures labelled, and corrects exactly the paid amounts on the rows you approve. Nothing else about the debt is published. Important fixes A single malformed bank account row could stop the app from opening at all. Not a screen that failed but the database itself, so every launch died in the same place. Tapping a row in a bottom sheet on the Overview page could crash the app when a background sync had rebuilt the page underneath while the sheet was open. And searching for a coin on Bitkub sat on a spinner for thirty seconds and then opened an empty list. Also The Money Flow chart's Other row opens into the categories it holds. The Cheaper comparison's share card says by how much, not only which. And the health metrics have their own icons.

Whether what you have recorded has actually reached the cloud Recording something saves it on the phone immediately and sends it onward afterwards, so on a poor connection the two can be a long way apart — and until now nothing on any screen said which. Delete the app while they are, and whatever had not been sent is gone with it. There is now a status on the settings screen, directly above the buttons that delete your data. There is a question before signing out and before restoring a backup, because both replace everything on the phone. And there is a line on the home screen once a whole day has passed without your records getting through. "Not signed in" is not the same as "saved", and where the app cannot find out, it says so rather than reporting that everything is safe on the strength of an answer it never got. Home Supply Supplies can be tagged by what a thing IS — soap, shampoo, toilet cleaner — a different question from the category, which says which shelf it sits on, and from the house, which says which building. Soap is in the bathroom and in the kitchen and in the cleaning cupboard. The workaround was already in daily use: the kind of thing was typed onto the front of the item's name so alphabetical order would group it — which makes the name of the thing something other than its name. You can record what the cupboard already holds while adding the item, instead of creating it, finding it in the list and adding a purchase that asks for a date and a price nobody remembers. It is an opening balance rather than a purchase at zero, so it stays out of the price history and the usage figures. Stock can be taken out on a day that is not today. Every way of using something up stamped the moment the button was pressed, so a bottle finished on Sunday and recorded on Wednesday landed in Wednesday — and that record is what every usage figure is measured from, so a household's history slowly became a record of when they remembered rather than of when they used something. You can also arrange your categories and houses, fold a shelf away by tapping its heading, and a category row now shows what is in it. An interest schedule for reducing-balance debts One row per month, what that month costs, and what is still owed. A debt of this kind could only say what interest was owed at the moment somebody paid, and a month nobody paid in was recorded nowhere. Past months are typed in by hand and marked as typed. Interest owed to you can now also be received before its due date. The Savings Planner remembers what you typed It opened blank every time, so reviewing a plan meant retyping it from memory first. Cash disagreeing between devices Measured on a real account: 217.00 on one and 1,800.00 on the other, where the truth was 1,645.00. The entries have always synced; the balance did not travel with them, so a device that missed a day computed every later entry from a figure the account had moved past, and that error accumulates rather than fading. An entry recorded elsewhere now reaches this device's balance, added as the movement it is, so a book with genuine gaps is brought up to date rather than silently rewritten. Repairing an old gap stays your decision, on a new screen offering the two repairs one wallet at a time: keep the balance and write the single entry that makes the list add up, or replace the balance with the total of the entries. Only you know which is right, so nothing is decided for you. Also fixed A reducing-balance debt was charged interest at the wrong rate and for the wrong number of days. Icons and pictures could stop loading everywhere at once, permanently, with "clear image cache" unable to repair it. Deleting a bank account left its entire movement history behind. And a subscription that renews itself is no longer warned that it is about to expire.

Move a debt into another account book A debt now moves with its ledger and every payment recorded against it. Until now a debt filed in the wrong book had to be deleted and typed in again, which threw its whole payment history away with it. A payment that cannot move stops the whole thing: a debt in one book with its payments in another is worse than a debt in the wrong book. It can be moved back, and every rule is checked again on the way home. Set a whole installment plan from one date On debts and on money owed to you. The per-installment editor filled in installment 1 with today and left every other row empty, so a debt billed on the 1st of every month had to be created, reopened, and dated row by row. Pick the first due date, or just the day of the month, and the rest follow. The 31st no longer rolls into March: a plan starting on 31 January used to put two installments in March and none in February, and every date after it inherited the drift. Installments you have already paid are never re-dated, and a plan you dated by hand is left as your own arrangement. Delete your reading log, and your Secret note data There was no way to remove either of them at all. Both hang off your account rather than off a book, so neither "clear this account" nor "reset the app" reached a single record of them. The key to your locked notes is deleted last, and only once every note has gone — removing it while a note survived would leave that note as text nobody could ever read again. The reset card now names what it really deletes, and what is not included: it said "all app data" while leaving nine sub-apps standing. The icon picker suggests icons from the name you typed Tapping the icon on a household supply now opens on icons that look like the thing, instead of a grid of 5,379 to hunt through. It reads Thai names too: the icons are named in English only, so searching a Thai name had always returned nothing. For a name the built-in list does not know there is an AI second opinion, on the same allowance the receipt and voice readers use, and charged only when it answers. Nothing about your icons leaves the phone: the AI is asked for words, and the matching happens on the device. Home Supply can tell your houses apart A household with a place in town and one upcountry had "3 bottles" that was really 1 here and 2 three hours away. Tag which house a supply sits in, and every count, list and card follows the house you are looking at. The first house you create offers to adopt the whole cupboard in one tap. Expiry reminders are the one thing not filtered by house — they name the house instead. Fixed Saving an expense sat on "in progress" for hours, and the money never left the account it was paid from; the expense itself was recorded correctly. Saving was waiting for the record to reach the cloud rather than for it to be written on the phone, and the balance is deducted in the step straight after the save, so it never ran. Nothing is lost by not waiting: it is saved on the phone and still queued for the cloud in the order you made it. A bank account you had deleted could come back — the delete had never reached the cloud in the first place. Your phone now remembers what you deleted on it, refuses to re-create it, and re-issues the delete that never landed. The Investment row on the overview read zero for stocks and ETFs while funds read correctly: a holding priced in another currency was being dropped from the total rather than converted. Moving transactions into another book shifted the cash balance of both books and left the rows where they were, and reported success. Home Supply printed quantities with no thousands separator, in the American style whatever your number format is set to, and a newly created house showed a card with no heading at all. Its history rows now open the app's own menu, and say whether a bottle was used or thrown away.

Asks before you record the same purchase twice Recording a credit-card purchase that matches one already on that card, down to the name, the amount and the moment it happened, now asks whether it really is a second purchase. It is easily done — the entry does not appear to have saved, so it is typed again — and nothing ever looks wrong afterwards: every copy is saved exactly as asked, and the card quietly reports less credit available than you have, for as long as the extra copies sit there. It can tell a repeat purchase from a repeated entry. The obvious rule would be to warn about two records typed within a few minutes of each other, and that rule is wrong: sitting down and back-entering five days of the same commute fare looks exactly like that. What it compares is the moment of the purchase itself, so five fares on five days stay silent and the same fare entered twice does not. It asks, it never refuses. Two identical purchases really can happen a minute apart, and the app is in no position to overrule the person holding the receipts. Money owed to you works the same way, with the people it is owed by counted as part of the record: lending the same amount to two different people in the same minute is two records and is never questioned. The cloud button on the credit-card screen Pressing it could leave a bill listing the same charge two, three, even six times over, with the card's total rising to match. The charges were never billed twice by anyone real: rebuilding a bill used to throw its rows away and write fresh ones, and every rebuild left another copy behind in the cloud that nothing could clear out. The button then copied all of them down at once. Copies that had already landed on your device are collapsed back to one line per charge when you update, and a bill can no longer hold the same charge twice. A bill you had already settled could also be reopened by an older copy from another device, dropping back to waiting for payment with the charges you had just settled showing again. And paying a bill never reached your other devices: the rows of a bill were the one kind of record the app updated without noting when it changed, so the payment was published carrying the time the bill was first issued — far enough in the past that every other device filtered it out as old news. Edits overwritten by an older copy The check meant to keep the newer version was comparing two timestamps kept to different precisions, so it called almost every incoming copy newer and let it win. It read as "only take what is newer" and behaved as "take everything", which is how a debt you had paid could come back unpaid. It affects debts, money owed to you, credit cards and their bills.

• Provident funds now count in net worth, not as nothing • Mark a balance you cannot spend as not emergency savings • Record a debt payment as "unspecified", touching no wallet • Expiry reminders reach every device, and can be read back • Fixes duplicate card bills, bills left waiting, uneven installments • Fixes prices stuck on a wrong figure; each now shows its age • Fixes edits that never reached your other devices • The save button no longer covers the field you type in

New • Supply reminders can be read back after you swipe them away • Expiry reminders now reach every device, without opening the app • Debt payments and money owed to you can be recorded as "unspecified" — no wallet or bank account is touched Fixed • Undoing a cash payment left the money spent, not returned • Some exported rows had the wrong sign, so totals did not add up • Editing a payment amount never reached your other devices • Payment history could be overwritten by an out-of-date device

A DCA plan that lands on the cash-flow calendar like any other regular payment Set the amount and the day, and money you have promised to invest appears in your upcoming payments, your forecast and your calendar beside everything else you owe, instead of staying invisible until it leaves the account. • Approving a contribution opens the ordinary buy form, prefilled, so the purchase goes down exactly the path a manual buy does. Nothing is bought behind your back: the price the app holds is the last one it fetched rather than the price you will actually get, and a share count taken from a quote would put the cost basis of the whole holding wrong for good. • The plan's row shows the average cost of the holding it buys, with the stock's icon and name rather than a bare figure. • A report of what the plan has actually done: contributions made, skipped and still waiting, the money really put in, the average cost the plan achieved by itself, and what buying the whole amount at once would have cost instead. The tax brackets, drawn as a map of banknotes you can tap Your whole assessable income is laid out as notes, with the tax rate on the other axis and a red staircase over the share of each slab the brackets take. Because the rate axis runs the full 0 to 100%, the red area IS the tax you pay and the empty space is what you keep. Tap anywhere to read that bracket, and a slider imagines more deductible spending so you can watch the red shrink under a pale ghost of where it was, with the saving stated in money. The axis does not move while you drag it, because the notes on it are your income, which a deduction never touches. Fixed • Choosing a picture from the gallery could do nothing at all: no spinner, no message, and nothing recorded anywhere. The iPhone picker closes as you tap and loads the file afterwards, so a failure at that point was indistinguishable from cancelling. • A debt payment for a month whose interest was already settled could not be entered, because the interest field insisted on more than zero when zero is the right answer there. • A gold asset set to follow the market could sit far below what it is worth, showing a loss of nearly everything, with nothing on screen to say the price had never arrived. Four faults sat behind it: a Thai book takes its price from the Thai gold market yet the whole refresh was blocked whenever an unrelated international quote failed; a quote that failed to load was written as zero over a perfectly good figure; the international price was in US dollars and was never converted into the book's own currency, so a book kept in yen or won read a hundred times too low; and every one of them failed in silence. A failed price now leaves the last known value alone, and a line at the top of the asset screen lets you try again.

Cheaper does far more than it did • Enter the offer as the label writes it: 2 for 90, or buy 2 get 1 free. You used to have to divide that out by hand first, with nothing on the row to say you had. The price per unit divides by what you receive, not by what you paid for. • Compare the multipack, not one bag out of it. Three 480 ml bags to a pack against two 1,100 ml bags used to be two sums on the back of a receipt. Say how many are in the pack and the answer covers everything the money brings home, and it stacks with an offer: three to a pack, buy two get one free, is nine bags. • Twenty-seven units instead of eight, including milligrams, centilitres, ounces, pounds, millimetres, inches, feet and yards. Two new kinds of question come with them: area, so tiles and wallpaper can be compared per square metre, and time, so a monthly subscription can be put beside the annual plan. • Every row says everything it knows: the price per unit, what one piece of a multipack cost, how much you get for one baht, and how much dearer the row is than the cheapest. The price per unit can also be quoted over 10, 100 or 1,000 units, which is how a shelf label writes it. • Price the board in another currency for a trip. Tap the currency on the answer card and the whole board reads in yen or euros, without touching the currency the rest of the app keeps its books in. It is a label, not a conversion. • Keep the comparisons worth keeping. The screen held exactly one and forgot it the moment the next one started. Also The credit-card block on the overview lets you choose how many months it shows. It always drew two rows, this month and next, so anyone who wanted only the current month had to switch the block off entirely. Fixed • A transaction recorded on one device did not move the cash total on another. The transaction arrived; the cash balance travels on a different channel, and that one was discarding exactly the changes another device had just made, then marking them as seen so no later attempt offered them again. • The overview page could hang on its skeleton for good, with a restart the only way out. • A bank account screen could open as a plain grey rectangle when an amount had come out as infinity. • Every icon in the picker drew as a broken image, and a failed one never tried again until the screen was rebuilt. • The app thought it was online with the radio off, so three guards that skip a market fetch while offline were doing nothing.

Move a transaction into another book A row filed in the wrong book used to have exactly one remedy: delete it and type it again. Now it can be moved, one at a time, as a basket, or as an entire bank account with its history. The move is previewed first, says what will and will not come with it, and a batch can be moved back. Budgets that carry over, and a target for what comes in • A month that came in under passes what is left to the next one, and a month that blew the budget can pass the overspend on too, which is off by default. Nothing is stored: the carry is worked out from your real budgets and your real spending every time, so it can never drift from the transactions underneath it. • An income target. The app could cap spending and had no way to set a target for earning, which is the half that matters to anyone self-employed. • A budget line while you type: how much of that category's budget is left, under the amount field, instead of a warning a second after you save when you can no longer do anything about it. Tags stop rotting • Merge duplicate tags into one, across transactions, debts, receivables, templates, envelopes and the recurring queue. The one merged away is hidden rather than deleted, so nothing still pointing at it breaks. • The untagged money is something you can act on now. The "no tag" row opens the transactions behind it. Sub-categories gained the same: merge, hide instead of delete, and how much each is really used. Investing • A daily record of what the portfolio is worth, which makes a real equity curve, a maximum drawdown and a time-weighted return possible for the first time. It only runs forwards: nothing on the device knows what the market did before today. • Price versus currency: bought a US stock with baht and it is up 12%, how much was the company and how much was the currency. Templates and recurring items A template remembers how it is paid and how often you use it, so the ones you reach for sort to the top, and tapping a template card finally opens a prefilled form: before, it did nothing at all. Plus duplicate, copy to another book, and turning one into a recurring item. Recurring items gained an advance alert 1 to 30 days ahead, snooze and skip, resuming one you paused, and a warning when a subscription price has drifted. Faster, and easier to read • The summary screens are dramatically faster: a book with 20,000 transactions went from 5.8 seconds to 0.07. • Exported files are real spreadsheets again. Every cell used to be text, so summing an amount column answered 0 and dates sorted as words. Amounts are numbers, dates are dates, CSV is an option, you can pick a date range, and there is an export history. • A note beginning with "=" can no longer arrive as a live formula in an exported file. Also Fill in months from before you installed the app on the net-worth chart, credit-card reward points with a warning before they expire, a receipt discount per item, recurring items and card statements on the calendar before they happen, a 3-month average and a year-over-year overlay on the monthly chart, and the bank summary stops counting transfers between your own accounts as income and expense. Fixed • A failed save could take your cash with it: the money moved before the row was written, so the balance was left short with no transaction behind it, and the next tap took it again. • The bank ledger disagreed with the balance above it, and the debt and receivable ledgers disagreed with what was actually paid. • A budget moved to another period stayed on the old one, a budget deleted on one device came back, and quarterly budgets never synced. • Copying categories between books left the book you copied from claiming they belong to the other one.

A bank account finally behaves like one • Deposit interest. Record the rate, the term and when it pays, and the app works out what has accrued, reminds you when it matures, and gives you a schedule so a payout can be recorded. • Tell me when an account runs low, with a threshold per account. • Recurring fees, such as the monthly maintenance charge or the annual card fee. • Reconcile against your real balance: write down what the bank says today and the app keeps it as a checkpoint to measure drift against. • Import a statement PDF, password-protected ones included. The app reads the rows, matches them against what you have already recorded, and shows you the handful worth looking at rather than a hundred rows to scroll. Nothing is written until you press import. Credit cards • The minimum payment, and what paying only it will cost you. The app could say what a bill comes to and never the smallest amount that keeps it out of arrears. • The annual fee and the month it lands, with a reminder in the weeks beforehand, which is the only time asking for a waiver actually works. Your profile answers the questions people actually have Can I get back in if I lose this phone: one card says whether your account can be recovered, and offers the fix. When does my subscription end and where do I cancel it: both on the card, with one action that goes to the right place. Who is signed in, along with shared books and cloud storage, is now on the Manage tab. Devices Your other devices are told when a new one signs in, which matters most for QR sign-in. Sign out every other device in one action, for the lost-phone case where you cannot be expected to work out which row the lost phone is. Pro accounts get 10 slots. Secret Note • Check your passwords against known public breaches. Opt-in, and the password never leaves the device: only the first five characters of its hash are sent. • A section for recovery codes, and which of them you have already spent. The usual place for those was a screenshot in the camera roll. • A passphrase check-in: the vault has no recovery by design, so somebody who has unlocked with a fingerprint for months is asked, occasionally, to prove they still remember it. • Copy a username or password straight from the list. Reading Log Ask for a book recommendation based on what you have actually read, with every suggestion checked against a real catalogue so nothing invented reaches you. Plus an Insight tab of its own, a year in review, a reading timer, re-reads, series tracking, streak reminders, and what your books have cost you. Also • A reminder to record a dividend once its payment date arrives. A payout nobody records is missing from the portfolio return and from the tax figures built on it. • The cash-flow forecast can finally see money coming in. Spending was always estimated from your history while money could only come in through something with a date on it, so anyone whose income is not a scheduled item saw zero every month. • Share your net worth as a picture, with the amounts hidden by default. Fixed • A sign-in could empty a device, and the backup that followed destroyed the way back. Reported as "my data came back with only 2023 in it"; the cloud was never short. Now signing back in as the same account merges instead of wiping, an automatic backup refuses to run over a device that has just shrunk, a restore states what is in the file against what is on the device before replacing anything, and an interrupted download keeps the newest records rather than the oldest. • The forecast lost a credit card it could not date, and every foreign-currency row, so a month spent abroad read as a month of almost no spending. • A keyboard that could not be put away, over a save button it covered, on the note and task forms. • An option row that did nothing when tapped, which made receiving a loan interest payment from its schedule impossible. • The reading log dropped fields you had filled in when saving a book.

- fixed older history that syncing could never bring back.