This update focuses on stability, reliability, and long-term maintainability of the app. Version 1.0.46 does not introduce new user-facing features, but it significantly improves how existing functionality works under the hood. What’s improved in this version: • Refactored intent flow architecture across the entire app • Cleaner and more predictable behavior for analytics, transactions, receipts, voice, and text interactions • Improved follow-up intent handling for more consistent responses Analytics and insights improvements: • Fixed cashflow trend visualization issues • Improved category-based analytics markup rendering • Enhanced savings projections charts for clearer comparisons • More consistent value comparison rows in analytics views • Better handling of complex multi-markup analytics responses UI and screen-level improvements: • Major cleanup and optimization of the main screen code • Improved performance and structure of the Coach Hub components • More reliable transaction list linking and navigation • Reduced visual inconsistencies in analytics-related UI elements Stability and code quality enhancements: • Simplified and optimized internal intent cubit logic • Improved flow coordination between intent handlers • Reduced duplicated logic across intent implementations • Cleaner separation between intent processing, analytics logic, and UI rendering Testing and internal reliability: • Updated analytics intent flow tests to match the new architecture • Improved coverage for complex analytics scenarios • More reliable internal mock data used in tests Why this update matters: • Analytics responses are more stable and predictable • Financial charts and projections render more consistently • Intent-based interactions behave more reliably across different scenarios • The app is now better prepared for future feature development This release reduces technical debt while improving performance and stability. No action is required from you. Simply update the app and continue managing your finances with a more reliable and polished experience. Thank you for using PennyEcho and helping us improve with your feedback.

Smarter Analytics. Clearer Insights. Better Control. This update brings a major improvement to how your financial data is analyzed, visualized, and explained — making insights more accurate, richer, and easier to understand. Advanced Financial Analytics We’ve significantly upgraded our analytics engine to deliver deeper, multi-layered insights into your finances: - Multiple analytics blocks can now appear in a single response - Spending breakdowns by category with percentages and totals - Improved projections showing trends, risks, and warnings - Better detection of spending anomalies and unusual behavior - Clear pacing insights to help you understand how fast you’re spending Instead of one flat summary, you now get a full financial picture. Richer Charts & Visualizations Analytics are no longer just text — they’re visual: - Redesigned charts for spending and projections - Clear legends and trend indicators - Better separation between baseline and current performance - Cleaner layouts that are easier to scan and understand Your data is now presented in a way that helps you make decisions faster. Detailed Transaction Insights Analytics can now include full transaction-level details: - Individual transactions with dates, amounts, and categories - Merchants, payment methods, and directions (in / out) - More context behind your spending patterns This means analytics don’t just tell you what happened — they show why. Improved Localization (Spanish) We’ve fully localized analytics for Spanish-speaking users: - All charts, labels, and insights translated - Localized date formats, months, and weekdays - Natural language explanations for trends and anomalies Analytics now feel native, not translated. Smarter AI Responses Behind the scenes, we’ve made the AI much stricter and more reliable: - Analytics responses now follow a structured JSON model - Multiple analytics sections are validated before display - Reduced hallucinations and invented data - More predictable, stable analytics output This results in cleaner, more trustworthy insights every time. Performance, Stability & Quality - Improved responsiveness across different screen sizes - Better handling of large analytics datasets - Extensive new automated tests to prevent regressions - Cleaner architecture for future analytics features Everything feels smoother — especially on complex analytics screens. Why This Matters This update is a big step toward professional-grade personal finance analytics: - More insight - More clarity - More trust in the data - Better decisions Whether you’re tracking daily spending, monitoring trends, or spotting risks early — this version gives you the tools to stay in control. Thank you for using the app More analytics improvements are coming soon.

This update brings a major improvement to how your financial data is analyzed, visualized, and explained. We focused on making insights clearer, smarter, and more reliable — especially when working with large amounts of spending data. The app now provides deeper analytics powered by an improved AI assistant. Instead of returning a single generic response, the assistant can combine multiple insights at once, such as spending breakdowns, trends, pacing, and unusual activity. This gives you a more complete understanding of your finances without needing to ask follow-up questions. Key improvements in this version: • Advanced spending analysis with clearer category breakdowns • Better detection of unusual or abnormal spending patterns • Improved spending pace tracking to help you avoid budget overruns • Smarter analytics responses with multiple visual insights at once • More consistent charts and summaries based on real transaction data The AI assistant is now better at understanding context. If you ask about overspending, budgeting, or saving money, it adapts the analysis automatically and shows the most relevant charts and explanations. This makes it easier to see not only how much you spend, but also why it happens and what to do next. We also improved how analytics are generated behind the scenes. Financial data is now processed in a more structured and reliable way, reducing errors and improving accuracy. Even with a large number of transactions, charts load faster and insights stay consistent. This update is especially useful if you: • Track daily expenses or subscriptions • Want to control spending without constant manual budgeting • Need clear visual insights instead of spreadsheets • Are trying to build better saving and budgeting habits • Use the app as a personal finance tracker or expense manager The app now highlights spending concentration, showing when most of your expenses come from just a few categories. It can also detect when your spending pace is too fast for the current period, helping you avoid surprises at the end of the month. We’ve added better explanations alongside charts, so insights feel more human and easier to understand. Numbers are no longer shown in isolation — they are explained in context, with trends and comparisons that actually make sense. Performance and stability improvements were also included to ensure smooth usage across all devices. Analytics responses are more predictable, and the AI assistant follows stricter rules to avoid generating unsupported or misleading insights. Whether you’re tracking expenses, managing a monthly budget, monitoring cash flow, or simply trying to understand your spending habits, this update makes personal finance simpler and more transparent. Thank you for using the app and helping us improve it with your feedback. More smart finance features are coming soon.

Improved Account Management - Choose between linking your guest account or signing in to an existing account - Clear warnings when signing in will replace your local data - Smoother account connection process with better feedback Smarter Statistics - Your transaction statistics now automatically update when you connect your account - Fixed issues where stats weren't showing after account sync Better Premium Experience - Clearer messaging about your free transaction usage - See exactly how many free transactions you have left before reaching the limit General Improvements - More reliable onboarding experience - Better support for signing in across devices - UI refinements and animations throughout the app Bug fixes and performance improvements.

Complete Spanish Localization - Full Spanish language support throughout the app - All features now available in Spanish (es) Enhanced User Experience - Polished typography system for more consistent, beautiful UI - Improved Coach Hub interface with better localization - Smoother voice input processing feedback Analytics Improvements - Optimized statistics loading for faster insights - Fixed 3-month period calculations in category breakdown - More accurate smart question generation Account Management - New enhanced delete account screen - Easy user ID copying for support requests - Better account data management Performance & Stability - Faster analytics and statistics fetching - Improved error handling for voice and image inputs Bug fixes and performance improvements throughout the app.

BETTER COACH HUB EXPERIENCE We've made it easier to track your financial conversations and get instant feedback! NEW FEATURES: • Toast notifications when you message your coach - never wonder if your question was sent • One-tap access to Coach Hub from the main screen • Improved receipt viewing with detailed transaction breakdowns • Smarter follow-up questions that save you time IMPROVEMENTS: • Full Spanish localization for all new features • Faster receipt transaction loading with smart caching • Cleaner transaction detail screen (70% less complexity!) • Better visual feedback throughout the app BUG FIXES: • Fixed empty change indicators on quick stats cards • Resolved follow-up question dismiss behavior • Improved penny charging logic for consistent costs Your feedback helps us improve! Rate us on the App Store. Happy tracking!

Finance Tracker 1.0.32 — A Smarter Way to Manage Your Money This update brings a more stable, intelligent, and beautifully localized experience across the entire app. With a fully cloud-based backend and hundreds of new translations, your AI-powered finance companion is now faster, clearer, and ready to work seamlessly across devices. What’s New 1. Cloud-Only Architecture We removed the old local database and switched entirely to Supabase cloud storage. Your data now syncs automatically between devices, ensuring consistency, reliability, and real-time updates. 2. Full Spanish Localization The entire app is now fully available in Spanish, with over 300 newly translated elements. From CoachHub to promo codes, statistics, and receipts — everything is localized for a smoother experience. 3. Smarter AI and CoachHub Enhancements CoachHub, your personal finance assistant, now works even more intelligently. Voice command examples and context-aware prompts make tracking expenses and savings easier than ever. You can quickly chat with your AI assistant to log transactions, analyze spending, or explore insights. 4. Receipt Recognition You can now scan your receipts using the camera or upload them from the gallery. The app automatically extracts transactions and categorizes them for you. Every scanned item is interactive and linked to your transaction history. 5. Batch Transactions and Promo Codes Add multiple transactions from a single message or screenshot. Redeem promo codes for premium access and extended functionality without a subscription. Both systems are deeply integrated with your current workflow. 6. Dashboard Redesign The Statistics tab has evolved into the new Dashboard — a smarter overview of your financial life. It now features savings progress, AI insights, and a live CoachHub preview for quick access. 7. UI/UX Improvements • Savings progress card redesigned with detailed explainer text and voice command examples. • Clear currency indicators in voice samples. • Consistent icon system and better typography. • iOS-style photo picker and modernized action sheets. • Refined onboarding flow and smoother animations. 8. Technical and Performance Upgrades • All transaction IDs now use UUID for enhanced reliability. • Dependency injection and state management refactored for cleaner performance. • Realtime synchronization via Supabase for instant updates. • Added database reset functionality during onboarding. • Remote logging and force update systems for better stability. • Optimized AI prompt system reducing Gemini token usage without losing accuracy. 9. Stability and Bug Fixes Dozens of issues resolved, including: • Voice helper tooltip overflow. • Receipt transaction updates and synchronization. • Snackbar behavior, navigation errors, and onboarding layout fixes. • Localization errors and missing string fallbacks. Why Update With this version, Finance Tracker becomes lighter, faster, and more connected than ever before. You’ll enjoy real-time syncing, improved localization, smarter AI insights, and a redesigned user experience that makes managing money feel effortless. Upgrade now and discover the most polished version of Finance Tracker yet — your personal AI-powered guide to financial clarity.

Your finance app just got a serious intelligence upgrade! With this update, Penny Echo learns to understand you — literally. Now you can simply speak to add transactions and let AI do the rest. Smarter Voice Recognition Adding transactions has never been easier — just talk naturally: “I spent 25 euros at Mercadona yesterday.” “Add 10 euros for coffee.” Penny Echo now uses advanced AI to recognize your speech and understand your intent, no matter how you phrase it. It’s not a rigid command system — it truly listens and interprets what you say, making expense tracking feel natural and effortless. Works seamlessly in English and Spanish. Pennies – Your AI Credits Introducing Pennies, the app’s smart in-app currency. Each subscription comes with a monthly pack of Pennies you can spend to generate AI insights. Need more? You can purchase additional packs anytime. Pennies make it easy to unlock deeper financial understanding and get personalized insights that help you save smarter and spend better. Celebrate Every Win Enjoy brand-new celebration animations! When you log a transaction or reach a savings goal, you’ll see custom confetti and dollar-bill effects that make every achievement feel rewarding. Smarter Savings Dashboard Your savings goals now look and feel more inspiring. See detailed progress breakdowns, animated progress bars, and a monthly progress indicator that helps you stay on track. Improved Statistics & Insights We refined charts, grouping, and transitions to give you a smoother experience. Monthly overviews are now more accurate, intuitive, and visually engaging. Easier Onboarding New users are welcomed with a short, friendly walkthrough that explains the essentials in a clear, interactive way. Fully localized in English and Spanish for a seamless start. Regional Currency Display Amounts are now formatted perfectly for your region — whether it’s €1.234,56 or $1,234.56. Everything looks consistent, familiar, and professional. Faster and Smoother The entire app feels quicker and more fluid thanks to multiple performance improvements. Scrolling, transitions, and loading states are more responsive than ever. Bug Fixes We fixed several issues to make your experience even smoother: • Language and currency now persist correctly • Transaction grouping by month works perfectly • Progress animations restart properly • Error messages clear automatically after closing This update brings Penny Echo closer to your everyday life — now you can just say it, and your finances stay organized effortlessly. Try the new AI voice recognition today and see how easy managing money can feel.