Plan & Multiply 4.2.2 — Kim becomes your budget coach New — Kim, your AI coach Kim no longer just answers, she walks alongside you. Ask her your question ("I want to save for a holiday", "where is my money going?", "how do I get out of overdraft?"): she replies with your real numbers, without judgement, and suggests one small concrete step. She acts inside the app — with your confirmation Create a project, set money aside, tidy up your envelopes… Kim prepares the action, you confirm with a tap. You're always the one who decides. Your conversations are kept Pick up where you left off whenever you like: your chats with Kim are saved on your device. Find them again, continue, or start a new conversation. Help with the app stays free Understanding a feature or reporting an issue: free and unlimited, anytime. Design & stability Wealth and statements rethought, warmer screens, and crash fixes here and there. Thank you for your feedback — it shapes the app.

Plan & Multiply 4.2.1 — steer your money, calmly New — "Available money" See at a glance what's left to allocate, and move it in one tap across your bills, everyday spending and projects. An unexpected expense? A project to speed up? The app shows you where to draw from, without breaking your balance. Reliable edits Editing a bill, an envelope or a project now works smoothly, with a clear confirmation every time you save. Clearer dates When you add a bill, its next due date shows up right away. No more doubt about the charge day. Your data follows you On reconnect, your latest backup is restored automatically. Stability Crash fixes and polish throughout. Thanks for your feedback — it shapes the app.

Plan & Multiply 4.2.0 — steer your money, calmly New — "Available money" See at a glance what's left to allocate, and move it in one tap across your bills, everyday spending and projects. An unexpected expense? A project to speed up? The app shows you where to draw from, without breaking your balance. Reliable edits Editing a bill, an envelope or a project now works smoothly, with a clear confirmation every time you save. Clearer dates When you add a bill, its next due date shows up right away. No more doubt about the charge day. Your data follows you On reconnect, your latest backup is restored automatically. Stability Crash fixes and polish throughout. Thanks for your feedback — it shapes the app.

v4.1.3 — clearer closure + invitation fixes • Period closure screen now shows your planned charges total alongside the paid total. No more confusion when charges are skipped. • Warning before closing if some charges are still unvalidated — confirm or validate them first. • Shared Mode invitation: the Accept button now gives visual feedback (it used to fail silently when sign-in was needed). • Shared Mode invitation: the Decline button no longer leads to a black screen. • Sync form: when the server returns an error, the diagnostic code is now visible and tap-to-copy so support can help faster. • Stability: fixed a crash that could occur when opening the Fixed expenses screen. • Thanks to QA and users who flagged these.

v4.1.2 — month closure made reliable • Fixed end-of-month closure that could throw "UNIQUE constraint failed" and block the close. • Retrying to close an already-closed month no longer duplicates carried revenues or savings transfers. • Broken /paywall link now redirects to the Premium screen instead of a 404. • Thanks to the users who reported it.

v4.1.1 — your overview card is calmer and easier to read • Redesigned summary at the top of Bills, Spending and Savings: a progress ring shows at a glance what's paid, what's still due, and what you can set aside. • 3 styles available in Settings → Appearance: Ring (default), Segmented bar, Savings focus. • Invite links shared by message or email: they open the app directly — no more "page not found". • 2 crashes fixed: iPad share and account deletion. A calmer budget. Less red, more peace of mind.

v4.1.0 — understand Plan & Multiply at a glance • Clearer wording: Bills, Spending, Savings (instead of Fixed / Flexible / Future). Easier to read. • Daily budget now front and center on the dashboard: you instantly see what you can still spend today. • Smoother onboarding: ticked tasks no longer struck through, hint added if you hesitate at the "click" step. • Monthly alerts in Analytics: we surface categories that spiked vs last month, right at the top. • Analytics wording aligned: "Spending", "Net Worth", "My external accounts".

v4.0.5 — fixes • The « + » button (add an expense, bill or envelope) responds instantly again. • Stability and smoothness fixes.

v4.0.0 — new onboarding + transaction actions back • Redesigned onboarding: "Here's your week with P&M" (morning push, T-2 charge alert, weekly review). • Swipe left to delete a transaction, right (or tap) to edit — on envelopes AND projects. • "New project" sheet: keyboard no longer hides the buttons. • Fixed charges: edit the debit day (batch add or manual). • Distribution: €/% toggle on all 3 pillars (Fixed / Flexible / Future). • Paywall: 2 variants (comparison table + scenarios). • Fix: global budget no longer stuck at 0 € after adding income. • Fix: iOS widgets now show real amounts. • Fix: created debt no longer displays as an empty goal. • Fix: manual contribution and linked fixed charge now in sync.

v4.0.0 — new onboarding + transaction actions back • Redesigned onboarding: "Here's your week with P&M" (morning push, T-2 charge alert, weekly review). • Swipe left to delete a transaction, right (or tap) to edit — on envelopes AND projects. • "New project" sheet: keyboard no longer hides the buttons. • Fixed charges: edit the debit day (batch add or manual). • Distribution: €/% toggle on all 3 pillars (Fixed / Flexible / Future). • Paywall: 2 variants (comparison table + scenarios). • Fix: global budget no longer stuck at 0 € after adding income. • Fix: iOS widgets now show real amounts. • Fix: created debt no longer displays as an empty goal. • Fix: manual contribution and linked fixed charge now in sync.

v4.0.0 — new onboarding + transaction actions back • Redesigned onboarding: "Here's your week with P&M" (morning push, T-2 charge alert, weekly review). • Swipe left to delete a transaction, right (or tap) to edit — on envelopes AND projects. • "New project" sheet: keyboard no longer hides the buttons. • Fixed charges: edit the debit day (batch add or manual). • Distribution: €/% toggle on all 3 pillars (Fixed / Flexible / Future). • Paywall: 2 variants (comparison table + scenarios). • Fix: global budget no longer stuck at 0 € after adding income. • Fix: iOS widgets now show real amounts. • Fix: created debt no longer displays as an empty goal. • Fix: manual contribution and linked fixed charge now in sync.

v4.0.0 — new onboarding + transaction actions back • Redesigned onboarding: "Here's your week with P&M" (morning push, T-2 charge alert, weekly review). • Swipe left to delete a transaction, right (or tap) to edit — on envelopes AND projects. • "New project" sheet: keyboard no longer hides the buttons. • Fixed charges: edit the debit day (batch add or manual). • Distribution: €/% toggle on all 3 pillars (Fixed / Flexible / Future). • Paywall: 2 variants (comparison table + scenarios). • Fix: global budget no longer stuck at 0 € after adding income. • Fix: iOS widgets now show real amounts. • Fix: created debt no longer displays as an empty goal. • Fix: manual contribution and linked fixed charge now in sync.

v4.0.0 — new onboarding + transaction actions back • Redesigned onboarding: "Here's your week with P&M" (morning push, T-2 charge alert, weekly review). • Swipe left to delete a transaction, right (or tap) to edit — on envelopes AND projects. • "New project" sheet: keyboard no longer hides the buttons. • Fixed charges: edit the debit day (batch add or manual). • Distribution: €/% toggle on all 3 pillars (Fixed / Flexible / Future). • Paywall: 2 variants (comparison table + scenarios). • Fix: global budget no longer stuck at 0 € after adding income. • Fix: iOS widgets now show real amounts. • Fix: created debt no longer displays as an empty goal. • Fix: manual contribution and linked fixed charge now in sync.

v3.10.0 — Stability Fixes • Fixed a rare crash that could occur at the end of onboarding.

v3.10.0 — Stability Fixes • Fixed a rare crash that could occur at the end of onboarding.

v3.9.0 — 3F design system refresh: sober, readable, consistent • Year in review redesigned: editorial hero "You grew your wealth by X%", sections per 3F drawer (income/expenses/savings/surplus), correct French formatting, Instagram-ready 9:16 share branded P&M. • Trial welcome cleaned: sober crown, "Day 14 of 14", progressive bar, no more decorative dots. • Score "B" replaced by ring "X foundations of 5 in place" — narrative instead of school grade. • Future jar: golden shimmer + sparkles when a goal is completed. • Streak redesigned: flame modulated by milestone (grey → blue → terracotta → gold at 100d), today's date under the histogram. • Progresser: clean 3-state calendar (* done / · past / ○ upcoming), monochrome flag. • Members: rich empty state with warm invite for solo accounts. • Batch charges form: dynamic inline hint when the CTA stays disabled. • Page Archetypes charter applied: unified CTAs, desaturated heroes, Plus banner in source-drawer color. • Migration ~50 emojis → Material Icons rounded: consistent iOS/Android rendering.

v3.8.0 — Accounting that holds + Apple-like streak • Accounting guards: you can no longer "deposit" money you don't have (Future deposits, transfers); kind warning if a recorded expense exceeds an envelope — but we never block you from logging what actually happened. • Reliable Future deposits: no more double-tap creating duplicate transactions. • Deleting a paid fixed charge: it now automatically returns to "to validate". • Deleting an income source: the button is finally visible. • Streak rethought Apple Health-style: clean tile with animation, detail page on tap (last-7-days chart, milestones at 3/7/30/100, "Done today"). No more illegible orange number in the corner. • Calmer animations: desaturated confetti (sage palette) and subtler celebrations. • 30+ new automated tests internally, locking down accounting invariants before every release.

v3.8.0 — Accounting that holds + Apple-like streak • Accounting guards: you can no longer "deposit" money you don't have (Future deposits, transfers); kind warning if a recorded expense exceeds an envelope — but we never block you from logging what actually happened. • Reliable Future deposits: no more double-tap creating duplicate transactions. • Deleting a paid fixed charge: it now automatically returns to "to validate". • Deleting an income source: the button is finally visible. • Streak rethought Apple Health-style: clean tile with animation, detail page on tap (last-7-days chart, milestones at 3/7/30/100, "Done today"). No more illegible orange number in the corner. • Calmer animations: desaturated confetti (sage palette) and subtler celebrations. • 30+ new automated tests internally, locking down accounting invariants before every release.

v3.7.6 — Premium rethought + smoother • Plan & Multiply Free: everything unlocked for a month (envelopes, charges, projects, goals — unlimited, no counters). • Premium keeps continuity: your fixed charges and income carry over automatically from one month to the next, surplus carried or saved. • 7-day free trial: try Premium with no commitment, no card required. • More stable: fixed the welcome screen loop on certain phones (Samsung, Pixel) and the silent paywall errors. • More alive: richer haptics and micro-celebrations on key actions.

v3.7.1 — Faster activation + UX polish • Clearer first steps: new empty states for Budget, Goals and Fixed charges, with "Understand how it works →" linking to in-context help. • Day +1 personalised reminder if you haven't logged your first expense yet (gentle notification, can be disabled in Settings). • Premium trial: 7 days, clearly stated before any start. No automatic trial. • Unified wording: we now say "goals" (instead of "projects") everywhere in the app. • More actionable insights: "Cover this £X to avoid fees" rather than "you're behind". • Plus page hierarchy reviewed (Budget first, then Fixed, then Future) to match real usage. • Stability: hit-test fixes on the bottom nav bar and home screen after session change.

v3.7.0 — Your app in your language Deep localization • The app is now 100% localized: dashboard, Plus tab, goal details, deposit sheet, Premium screens, onboarding, jars→goals migration. In German, Spanish, Italian, Portuguese. Following a user's feedback ("many descriptions in French"), we shipped ~70 missing keys across three waves. Better conversion timing • Proactive paywall between day 1 and day 7 after your first expense (non-premium only, one-shot, RC kill-switch). Goal: show Premium once you've seen the value, not in the onboarding tunnel. • Review prompt triggered on high-value moments (good period close, NPS ≥ 9). Friction fixes (3 user-reported SOS) • Envelope V7.3: "Edit name and amount" tile visible in settings + ⋮ menu to delete (V3 parity). • Transaction: reassign a transaction to another envelope with 5s undo. • Onboarding: goals are created directly with a monthly contribution — no more "convert your jars" intermediate step. • Fixed charges: "Subscription" toggle activates the "Subscriptions overview" card. Sharing / shared spaces • Permission-denied root cause fixed; discoverability + multi-space selector. Thanks for every piece of feedback — each release feeds on it.

v3.6.2 — Stability + small nudges Pre-holidays stability sprint. What changes for you: Fixes • No more crash when returning from background (Samsung-reported) • Safer data reset: countdown + local backup + confirmation • V5 welcome screen fixed after onboarding • Annual recap overflow: fixed Small touches • "Add your first expense" nudge after onboarding to take action • "What's new" in-app to discover changes directly • We'll ask "What's blocking you?" 7 days after sign-up, to understand where we can help better Plus lots of under-the-hood improvements to prepare what's coming.

v3.6.1 — Stability + small nudges Pre-holidays stability sprint. What changes for you: Fixes • No more crash when returning from background (Samsung-reported) • Safer data reset: countdown + local backup + confirmation • V5 welcome screen fixed after onboarding • Annual recap overflow: fixed Small touches • "Add your first expense" nudge after onboarding to take action • "What's new" in-app to discover changes directly • We'll ask "What's blocking you?" 7 days after sign-up, to understand where we can help better Plus lots of under-the-hood improvements to prepare what's coming.

v3.5.4 — UI polish + Android edge-to-edge fixes This release mainly contains Android fixes (edge-to-edge, accessible buttons, system margins). On iOS: • Bottom margins refined across all screens • Selection sheets: last item accessible • Budget selector: improved visual padding • Small UI tweaks consistent with Android

v3.5.3 — Financial transparency New: • "Where does my money go": visual cascade Income > Bills > Flexible > Savings > Daily budget • Euro/dollar amounts visible under the distribution bar (no tap needed) • Daily budget with context: "From $1,480 flexible · 18 days left" • Budget/spent detail for each envelope and fixed charge • "My day" summary in the Analytics tab • Enriched feedback after each expense (remaining + $/day) • Pencil icon on income for quick editing • Auto period close banner near end of cycle Fixes: • False "over budget" warning on empty savings jars • Rounding tolerance on overflow detection