"THIS MONTH" NOW MEANS THIS MONTH The dashboard, your profile, and the Financial Health Score were adding up every transaction you had ever recorded — not just the current month. If you have been using RinggitWise for a while, your income and expense figures will now read lower. That is the correct number. Nothing has been deleted, and none of your transactions have changed. YOUR HEALTH SCORE MAY MOVE The same problem fed into your Financial Health Score, so it may shift up or down after this update. It is now worked out from this month's real spending, the way it was always meant to be. ALERTS AND REMINDERS Budget overspend warnings, festive season reminders, monthly recurring transactions, and community notifications were not being delivered. This has been fixed on our side — nothing for you to do. Your profile's "This Month" figures also update live now, instead of only when you reopen the app.

SMARTER CATEGORIES Type "Petronas" or "99 Speedmart" and RinggitWise suggests the category for you — 250+ Malaysian merchant names recognised, from tol and petrol stations to kopitiam, pasar, and e-wallets. Tap to accept, or ignore it. It also learns. Correct a category once and RinggitWise remembers that merchant next time, including for categories you created yourself. SPENDING INSIGHTS Your dashboard now shows what actually changed: "You spent 32% less on makan luar than last month." Month-on-month comparisons per category, worked out on your phone. FRUGAL STREAKS Every day you keep spending under your daily budget builds a streak. Badges at 7, 14, 30, 60, and 90 days. Set a budget to start counting. WEEKLY AI INSIGHTS (PREMIUM) Every Sunday, get 2-3 short insights written from your own week of spending — in English or Bahasa Malaysia. ALSO NEW SINCE 1.1.0 Create your own expense categories with a custom name and icon, in both languages, alongside the 24 built-in ones. Thank you for using RinggitWise. Terima kasih!

Create your own categories! You can now add custom spending categories beyond the built-in ones — give them a name, pick an icon, and they show up everywhere you track and budget. Tap "Add Custom Category" when logging an expense or from Manage Categories in your profile. Thanks for using RinggitWise. We read every review!

• Multi-bank wallet Track balances across all your accounts — Maybank, CIMB, TNG, cash, EPF, gold, FD, and more. Link every transaction to the right account and see your true total balance. • Predictive overspend alerts Get a push notification before you blow your budget. RinggitWise watches your spending pace and warns you when you're tracking to overshoot. • Festive season alerts Plan ahead for Raya, CNY, Deepavali, and Aidiladha — get reminders 8, 4, and 1 weeks before so you can save up gradually. • Auto-log salary Set your payday once. RinggitWise logs your monthly income automatically. • Recurring transactions on autopilot Subscriptions, rent, bills — they now post themselves each month. • Export to CSV/PDF Download your transactions for tax filing, audits, or just personal record-keeping. • Smarter AI coaching (continued from v1.0.5) Your AI coach now sees spending trends, payoff timelines, and goal pace automatically.

WHAT'S NEW • Sharper AI insights Your AI coach now sees month-over-month spending trends per category, debt payoff dates at your current rate, and exactly where each savings goal stands — ahead, on track, or behind. • Spending pattern detection Catch post-payday splurges automatically. The AI flags when you're spending too much, too early in the month. • Budget risk early warning See which budgets are tracking ahead of schedule before month-end — like "Food 95% used with 18 days remaining." • Top spending changes Instant view of your biggest increases and decreases vs last month, so you know where the money actually went. • Recurring cost awareness See how much of your income is locked into fixed monthly commitments — subscriptions, insurance, loan payments.

- BNPL payment sources - Grouped payment source picker - Favourite/pin payment sources - Quick-add FAB on dashboard - Currency converter

• Added 12 more Malaysian banks as payment sources (Hong Leong, AmBank, UOB, OCBC, HSBC, Bank Islam, Affin, Alliance, BSN, Bank Muamalat, Standard Chartered, MAE e-wallet) • Edit your monthly income anytime from the Profile screen • New Manage Categories screen — hide categories and payment sources you don't use • Hidden categories are filtered from add transaction, budget, and transaction filter views • Improved category filter pill visibility in Transactions page • Referral code field added during sign-up

• Faster sign-in and sign-out — no more unnecessary delays • Instant language and settings switching • AI Chat now offers 10 free messages daily (up from 5) • Exit confirmation dialog to prevent accidental closes • Improved network error handling with automatic retry • Bug fixes and performance improvements