What's New in PaisaFlow v2.4.0 The biggest accuracy release yet. An end-to-end audit of how money moves through the app closed dozens of paths that could create, destroy or misreport your money. Money That Was Being Created or Destroyed - Your salary is no longer credited twice when you confirm a payday after travelling across timezones - Credit card debt is no longer erased — or silently brought back — when you change your billing date - Deleting a Udhaar settlement no longer destroys the original receivable - Opening a transaction with a missing account no longer silently re-points it to Cash - Editing one leg of a transfer could create money out of nothing. Transfer legs are now locked — delete and re-record to change one - "Adjust & Pay" no longer invents card debt to match an overpayment Credit Cards, Cashback & Reward Points - Ineligible transactions and excluded categories no longer earn cashback - Minimum and maximum caps are now always applied, including on base-rate overrides - Re-confirming a cashback settlement no longer leaves a duplicate credit behind - Reward point balances no longer grow every time you reopen the estimator - A payment is no longer offered against a statement that does not exist Income - Yearly and quarterly income streams are no longer offered as due every month - Mid-month sync now records the amount that actually arrived, not the amount expected - Salary received on its normal payday is no longer misfiled as next month's income - Editing a confirmed payday now updates the variance correctly Budgets - If you are already over budget, PaisaFlow no longer offers to raise it further - Category budgets can no longer silently exceed your total budget - "Edit Spending Budget" now works in category mode - A past month's leftover budget is no longer shown as today's Safe to Spend - Free cashflow and the dashboard's Freedom Factor now agree - Funding plans correctly report when a shortfall is fully covered Also fixed - Weekly liquidity now covers all 31 days of a month - Monthly bill predictions no longer pad finished months - Event spending is counted consistently across every screen - Recurring payments are dated to the period being settled

What's New in PaisaFlow v2.3.9 This release is a deep cleanup of how PaisaFlow handles your money. Several long-standing calculation and data bugs are fixed. Money Accuracy - Credit card debt is no longer silently erased in certain edits and payments - Bill payments are recorded as transfers instead of counting as both spend and income - Transfers now stay out of spend totals, budgets and cashback everywhere - Deleting a transaction correctly reverses account balances and linked records Budget Fixes - Big-ticket planned purchases are subtracted once, not twice — Safe-to-Spend no longer collapses to ₹0 - Budgets can no longer be saved as a negative number - Yearly and weekly expenses now convert to the same monthly figure on every screen - Category budgets no longer lose rupees to rounding Splits & Udhaar - Settling a Udhaar now updates the original split, so group balances clear and the Settled tab works - "I paid" splits move the full bill from your account while budgeting only your share - Custom split amounts are validated — they must add up to the bill total - Editing a Udhaar amount now updates the linked transaction too Recurring Expenses - Yearly and weekly subscriptions are no longer shown as due every month - Paying a recurring expense settles the correct period Backup & Restore - Backups now preserve every field — transfers, savings movements, EMIs, credit card billing cycles, cashback and reward point settings all survive a restore Reliability - Fixed data loss and crashes across the storage layer

What's New in PaisaFlow v2.3.8 1. Edit Udhaar Entries Made a mistake when recording money you owe or are owed? Now you can edit unsettled Udhaar entries directly: - Edit contact name and phone number - Modify the amount - Update notes and due dates - Switch between "To Pay" and "To Receive" - Account balances automatically sync after editing 2. Credit Card Overpayment Handling Accidentally paid more than your credit card outstanding? PaisaFlow now handles overpayments gracefully: - Detects when payment exceeds outstanding balance - Offers to auto-adjust to exact outstanding amount - Option to proceed with overpayment (creates credit balance) - Clear warnings and confirmations to prevent mistakes 3. Enhanced Budget Input Setting your savings and spending budget is now more flexible: - Direct Amount Entry: Tap any amount to enter exact values with a number pad - Input Mode Toggle: Switch between percentage mode (dial/slider) and amount mode - Smart Quick Amounts: Context-aware suggestions like ₹10K, ₹25K, ₹50K based on your available funds - Editable Spending Budget: Tap spending amount to set budget from spending perspective - Two-Way Sync: Percentage and amount inputs stay synchronized Bug Fixes - Weekly Spending Calculation: Fixed incorrect weekly spending totals for weeks that span across months (e.g., a week starting in January and ending in February now correctly shows spending for that week) - Budget Wizard Double-Counting: Fixed issue where already-credited income was being counted twice in month-end projections

What's New in PaisaFlow v2.3.7 1. Edit Udhaar Entries Made a mistake when recording money you owe or are owed? Now you can edit unsettled Udhaar entries directly: - Edit contact name and phone number - Modify the amount - Update notes and due dates - Switch between "To Pay" and "To Receive" - Account balances automatically sync after editing 2. Credit Card Overpayment Handling Accidentally paid more than your credit card outstanding? PaisaFlow now handles overpayments gracefully: - Detects when payment exceeds outstanding balance - Offers to auto-adjust to exact outstanding amount - Option to proceed with overpayment (creates credit balance) - Clear warnings and confirmations to prevent mistakes 3. Enhanced Budget Input Setting your savings and spending budget is now more flexible: - Direct Amount Entry: Tap any amount to enter exact values with a number pad - Input Mode Toggle: Switch between percentage mode (dial/slider) and amount mode - Smart Quick Amounts: Context-aware suggestions like ₹10K, ₹25K, ₹50K based on your available funds - Editable Spending Budget: Tap spending amount to set budget from spending perspective - Two-Way Sync: Percentage and amount inputs stay synchronized Bug Fixes - Weekly Spending Calculation: Fixed incorrect weekly spending totals for weeks that span across months (e.g., a week starting in January and ending in February now correctly shows spending for that week) - Budget Wizard Double-Counting: Fixed issue where already-credited income was being counted twice in month-end projections

NEW: Transaction Location Tracking Track WHERE you spend! PaisaFlow can now automatically tag transactions with your location. LOCATION FEATURES: • Automatic Location Capture - Transactions tagged with your current location • Transaction Map View - See all expenses on an interactive map • Geographic Analytics - View spending by city, location, and travel patterns • Pin Color Modes - Color pins by type (expense/income) or category • Date Filtering - Filter map by date range with quick presets • Travel vs Local - Understand spending patterns when traveling PRIVACY FIRST: • Location is optional - skip during onboarding • Enable/disable anytime in Settings → Privacy • All data stays on your device NEW: Early Salary Payment Support For salaries that arrive early (e.g., Jan 30 for February): • Mark income streams as "May be paid early" • Configure early payment window (1-7 days) • Early payments correctly attributed to intended month • Smart notifications during early payment window BUG FIXES: Udhaar (Informal Credit): • Fixed: Udhaar entries now properly created when marking transactions as "Udhaar" • Auto-migration fixes orphaned Udhaar transactions from previous versions Payday Confirmation: • Fixed: Transactions now properly saved when confirming payday • Fixed: Linked account pre-selected in confirmation sheet • Fixed: Keyboard dismissal improved • Added: Tap payment history to edit linked transaction • Added: Auto-repair for missing payday transactions ACCESS: More Tab → Transaction Map

Version 2.3.1 This update brings our biggest improvements yet to Credit Card management and Budget Planning! We have completely overhauled how you track rewards, cashback, and monthly budgets. MAJOR CREDIT CARD UPGRADE - Multi-Tier Cashback: Configure specific rates for different categories (e.g., 10% on Groceries, 5% on Travel). - Reward Points System: Full support for tracking base earnings, accelerated tiers, and redemption history. - Spend Accelerators: Track your progress toward spending milestones to unlock higher reward rates. - Smarter Bill Pay: Choose between paying the Full Amount, Billed Amount, Minimum Due, or a Custom amount with one tap. - Billed vs. Unbilled: View a clear split of your statement balance versus pending charges. BETTER BUDGETING - Redesigned Money Breakdown: A clearer, step-by-step flow for planning your month. - Mid-Month Sync: Easily mark income as received and expenses as paid for accurate real-time projections. - Shortfall Planning: Automatic detection of budget gaps with actionable funding suggestions. ENHANCEMENTS AND POLISH - Complete Backups: All data models, including credit card configs and reward tracking, are now fully backed up. - Bulk Reconciliation: Update all your account balances at once. - Quick Pick Contacts: Your most frequent contacts now appear first. - UI Updates: New dial pickers for dates, monospaced digits for better readability, and a cleaner transaction view. Enjoying PaisaFlow? Please consider leaving a review.

What's New in Version 2.2.0 Introducing PaisaFlow! We’ve refreshed our look and completely rebuilt how you plan your budget ALL-NEW BUDGETING EXPERIENCE • 5-Step Wizard: A brand new step-by-step guide makes setting up your monthly budget easier than ever. • Summary Dashboard: Once set up, view your entire budget at a glance with a new dashboard card. Tap any section (Income, Savings, Spending) to edit values inline instantly. • Smart Shortfall Detection: The wizard automatically detects if your spending exceeds your liquid funds and helps you plan how to cover the gap. • Savings Dial: Interactive dial to easily set your savings target percentage. PAISAFLOW BRANDING & REDESIGN • Brand New Look: Welcome to PaisaFlow. We’ve updated the app with a fresh green theme and a modern welcome experience. • Custom Launch: A beautiful new launch screen to start your financial journey right every time you open the app. TURBOCHARGED TRANSACTION ENTRY • Auto-Focus & Navigation: The amount field now auto-focuses when you open the screen. Use the "Enter" key or keyboard toolbar to fly through Amount → Note → Merchant without lifting a finger. • Merchant Autocomplete: As you type a merchant name, we suggest recent ones you've used before. • Auto-Category Fill: Selecting a suggested merchant automatically fills in the category based on your past habits. ADVANCED LIQUIDITY PLANNER • Live Comparison: Compare your actual liquid funds against your remaining budget in real-time. • Buffer vs. Deficit: Visual indicators show exactly how much "extra" buffer you have or if you are facing a shortfall. • Week & Month Views: Switch between a weekly breakdown or a daily pace view to see your financial health your way. • Instant Adjustments: Adjust your budget directly from the planner with a live preview of the impact on your daily spending limit. SMARTER BUDGET LOGIC • Dynamic Weekly Budget: Your weekly "Safe to Spend" now adjusts dynamically. If you overspend in Week 1, Week 2's budget automatically decreases to keep you on track for the month (and vice-versa). • Discretionary Calculation: Fixed expenses (like EMIs and bills) are now correctly excluded from your discretionary budget. QUICK ACCOUNT PICKER • Smart Suggestions: The app analyzes your last 30 days of history to show your top 3 most-used accounts right at the top of the picker. • One-Tap Selection: Instantly tap a "Quick Pick" chip to select an account and automatically switch to the correct account type. SYNC & RELIABILITY • Mid-Month Sync: Transactions are now correctly backdated to their actual due dates. • Notification Fixes: Notifications now refresh automatically on launch so you never miss a bill due date. • Context-Aware Transfers: Starting a transfer from an account details screen now smartly locks that account as the source. As always, all your data stays 100% on your device. No servers, no cloud, complete privacy.