A PLAN WITH REAL NUMBERS, IN A MINUTE Setting up now starts with your salary. Tell Personal Ledger what you earn and when you're paid, slide four amounts — rent, living costs, loans and cards, savings — and you have a plan with numbers in every row, plus the one figure that matters: what's left over each month. Importing your spreadsheet is still there if you keep one. YOUR FIRST TRANSACTION, FROM A REAL BANK MESSAGE Right after the plan, paste any payment text from your bank and watch it turn into a transaction — amount, direction, merchant and category — read entirely on your phone. Log it, and the dashboard is already comparing it with your plan. If you like what you see, the automatic capture setup is one tap away. PRO, WHEN IT'S USEFUL Personal Ledger Pro now introduces itself once, at the moment there's something to project: after your third transaction, or the first time the dashboard shows your spending against your plan. It opens with your own plan carried twelve months ahead. Skippable, shown once, never to anyone who already has Pro. ALSO • The rating request arrives earlier, and after a cycle that closes with money left over. • The suggested category structure now points its expenses at the salary row in your language, so "Cashflow by source" works on new Arabic setups.

PAID EARLY? START THE NEXT CYCLE EARLY When your salary arrives a few days before your salary day, Personal Ledger now offers to start the next cycle from the day it landed. Say yes and everything you spend from that day counts toward the new cycle, so an early payday no longer inflates a month that was nearly over. Pick your salary category once in Settings → Plan (existing "Salary" categories are picked up automatically). Cycles you started early are listed there too, and you can remove one with a swipe.

SEE WHAT YOUR PLAN WOULD HAVE BEEN The Plan tab now shows three views of the same cycle: Planned (your normal-month baseline), Overridden (this cycle's adjusted plan) and Actual (what you logged). If you raised Groceries for Ramadan, you can finally see what the plan was before the override, what the override cost you, and how both compare to what you actually spent. You can also page through cycles from the Plan tab and from any category. Overrides belong to a cycle, so now you can reach the cycle you want to look at. BANK MESSAGES THAT DIDN'T TAKE YOUR MONEY ARE NO LONGER LOGGED A declined transaction, a one-time passcode and a balance alert all look exactly like a purchase: same amount, same merchant, almost the same wording. Personal Ledger was logging all three as spending. It doesn't any more. Refunds and reversals still log, because that is real money moving. Merchant detection improved noticeably at the same time, so more captured messages land in the right category on their own. KEYWORDS CAN NOW BE WHOLE PHRASES A keyword used to be split at every comma, which quietly broke any phrase copied straight out of a bank message — the kind that works best. Each row is now one keyword, exactly as you typed it, commas included. Your existing keywords carry over untouched. CRASH REPORTS If the app crashes, it now sends a crash report so the problem can be fixed rather than guessed at. A report contains technical details of where the crash happened and the state of the device at that moment — never your transactions, your plan or a bank message. The App Privacy label reflects this. FIXED • A month that balances to exactly zero no longer shows "-AED 0.00" in red. • Editing a per-cycle override amount now saves reliably. • Opening a category from a past or future cycle stays in that cycle instead of jumping to today. • The Plan tab and Dashboard are faster on large ledgers.

NEW: THE APP NOW SPEAKS ARABIC The entire app: every screen, every label, right-to-left throughout, is now available in Arabic, the planning tools included: forecast, debt payoff and savings goals. If your iPhone is set to Arabic the app follows automatically; everyone else stays in English. You can also choose the language yourself in Settings › Appearance › Language, and the switch applies immediately, with no restart. Your data is yours in any language. Category names you typed or imported are never translated, and changing language never touches your numbers. NEW: APP CUSTOM CATEGORISATION AND LEARNING Pro users will now benefit from a new "Categorisations rules" section in the Settings Tab, where they can teach the app how to handle vendors and and specific transactions in categories they have created. In addition, the app learns from manual recategorisations from the transactions tab, making smarter the more the user uses it. BUG FIXES - The Monthly Cash Flow figure no longer shows green when your month is negative - "Erase all data" now erases all of it. Savings goals and recurring rules were being left behind - The text-message setup walkthrough now ends with a button that opens Shortcuts - The summary at the foot of the Plan tab used to show only what you had planned, three figures with nothing to check them against

NEW: ASSETS THAT LOSE VALUE ON THEIR OWN A car doesn't hold its price, and until now the only way to say so was to remember to edit the number yourself, which nobody does, so net worth quietly drifts high. Open any asset under Net Worth, switch on "Loses value over time," and set how much it loses each month. The app writes it down once per cycle from then on, and shows you what it'll be worth in a year before you commit to a figure. You can still correct the value by hand whenever you like after a repair, or a proper valuation. It only affects net worth. Nothing is logged as an expense, because no cash actually leaves your account when a car ages. YOUR CURRENCY, WITHOUT THE SETUP STEP New installs now start in the currency of the region your iPhone is set to, instead of always starting in AED. The base currency list has grown to cover the Gulf and the wider region: AED, SAR, QAR, KWD, OMR, JOD and EGP, alongside USD, EUR and GBP. If you've already been using the app, nothing moves. Your base currency is only ever changed from Settings, where the app converts your existing transactions at today's rates before it switches. A BETTER INTRODUCTION New installs now get a short walkthrough before setup, covering the four things people were most likely to miss: comparing your plan against what actually happened, letting bank texts log transactions for you, tracking what you own and owe, and the fact that none of it leaves your phone. Four screens, skippable, and it doesn't appear if you're already set up.

Personal Ledger Pro is here: four planning tools built on the plan you already import. • Cashflow forecast: Project your plan up to 24 months ahead and see where it lands. Every month opens up to show the exact amounts behind its total, so you can check the arithmetic rather than take it on trust. Find it at the bottom of the Plan tab. • Debt payoff planner: Enter each debt's rate and minimum, set what you can put toward debt each month, and get a real payoff date — plus what avalanche actually saves you over snowball. It shows its working. Find it under Net Worth. • Savings goals: Set a target and a date; see what to set aside each month. • Recurring transactions: Rent, salary and subscriptions log themselves. Create one from the + in Transactions. Pro is $3.99/month or $24.99/year. The annual plan is free for the first week; the monthly plan is $9.99 for the first three months. A one-off lifetime purchase is available if you'd rather not subscribe. FREE IN THIS RELEASE, FOR EVERYONE • Face ID and Touch ID app lock. Security is not something we'll sell you. The app-switcher preview is blanked as well, so your balances aren't sitting in the multitasking view. Your device passcode always works as a fallback, so a failed scan can never lock you out of your own data. • Text-message import now takes a keyword per bank, so cards at more than one bank all feed the same parser. Messages are still read entirely on your device with Apple Intelligence where it's available, and a local parser everywhere else. IF YOU WERE ALREADY USING PERSONAL LEDGER Pro is yours permanently, at no cost. You put real financial data into a free app before Pro existed, and taking features back would be a poor way to repay that. Nothing you had before is behind the paywall for you.

Track by your pay cycle, not the calendar Set your salary day in Settings and the whole app re-frames around it — your dashboard and plan now run from payday to payday, so end-of-month income lines up with the spending it actually funds. (Leave it on day 1 to keep classic calendar months.) Quick add from the dashboard Log a transaction right from the home screen — no more jumping to the Transactions tab. See your planned cashflow at a glance The Plan tab now shows your planned income, expenses, and net cashflow for the cycle at the bottom, so you can sanity-check your numbers as you edit them. Smarter progress colors Paying down debt or investing more than planned no longer shows up as a red "overspend" — those are good things, and they're now marked as on track. Only living expenses over budget stay flagged. Small fixes Added a "Done" button above the keyboard when entering amounts and names, so number pads are easy to dismiss.

Multicurrency support is here. • Log a transaction in any currency, AED, USD, EUR, GBP, SAR or LBP, right from the amount screen, with a live preview of the converted amount before you save. • Your original amount and currency are always kept. Each foreign transaction shows what you actually spent alongside the converted figure. • Switch your base currency anytime in Settings and your whole history re-converts at today's rates, losslessly, so switching back restores your exact original numbers. • Logged something offline? It's saved in the original currency and converts automatically the next time the app has a connection. • Bank SMS alerts in a foreign currency are now recognized and converted, instead of being logged as a bare number. Rates update daily. As always, all your data stays on your device.