Bigger, smarter money features this update: • NEW: Trophy Case — unlock trophies for streaks, savings milestones, net worth growth, paying off debt, and your Financial Wellness Score, with a celebration + notification the moment you earn one • NEW: Money Flow diagram in Insights — watch your income split into spend and savings at a glance • Weekly Micro-Challenges now target the right category — fixed bills like rent and loan payments are never picked as "spend less" targets • Debt Payoff Planner — snowball or avalanche strategy with a projected debt-free date • Financial Wellness Score — a single 0–100 score across budget adherence, savings, and runway • Age of Money — see how many days your income sits before you spend it • Financial Runway Score — how many months your savings would cover if income stopped • Full-year Spending Heat Calendar — a GitHub-style yearly view of your spending • Transaction tags — label transactions across categories your own way • Customisable Today dashboard — drag to reorder your widgets • Household mode leveled up — shared budgets, expense splitting, transaction comments, real-time sync, an AI household narrative, and Family Mode for up to 5 members • Privacy controls — mark accounts/transactions as Mine, Theirs, or Ours • Fixed a login issue causing frequent unexpected logouts • Fixed a crash in the Net Worth panel and an over-aggressive balance projection • AI Spending Coach no longer references merchants or subscriptions you don't have

What's New in 1.1.5 A major update packed with new financial insight tools, deeper Household mode, and a big round of design polish. New Features: Household Family Mode - invite up to 5 members, set per-member spending limits, and create shared Family Savings Pots with progress tracking Privacy Controls - tag accounts and transactions as Mine / Theirs / Ours, and mark transactions private within a household AI Household Intelligence - monthly household narratives, spending personality comparisons, and a household-aware Zara chat New Insight Widgets - Financial Wellness Score, Age of Money, and Financial Runway Score Debt Payoff Planner - snowball or avalanche payoff strategies with payoff timelines Money Rules - build simple habit-stacking rules to nudge better spending Customisable Today Dashboard - drag to reorder your widgets, plus an interest rate picker Coaching Tab - a new score ring, pattern insights, and personality-driven anchor card Improvements: Refreshed design across onboarding, tutorial, paywall, You tab, and Insights More identity and personality framing throughout AI coaching Fixes: Fixed an issue causing frequent unexpected logouts Fixed a crash on some Android devices in the compounding runway card Fixed the AI Spending Coach occasionally inventing merchants/subscriptions that don't exist

Some UI fixes to cover Insights and Trends into single tab - Insights.

What's new Invite your friends, get Pro free Share your personal invite code with a friend — when they sign up using your code, you both get 30 days of Pro free. Find your code in the You tab or tap the invite nudge on the Today screen. Goal Coach ZentroAI now suggests personalised savings goals based on your spending patterns. If you already have a goal, it tracks your progress with milestone celebrations and shows you exactly how to get there faster — right inside the Scenario Simulator. Receipt Vault Scan receipts when logging transactions and save them for warranty records. The Vault shows warranty status (active, expiring soon, expired) so you never lose track of a purchase. Net Worth on Today A compact net worth widget now lives on the Today tab — your total assets minus liabilities at a glance, with your current-month change. Tap it to open the full breakdown. Free users can now see recurring charges The top 3 recurring expenses (subscriptions, bills) are now visible without a Pro subscription — including monthly and annualised cost. A useful preview of what's bleeding your budget automatically. Bug fixes & improvements Scenario Simulator now uses a 3-month rolling average for projections, so a single unusual month no longer skews your results Transactions on the same day are now sorted by when you logged them, most recent first Fixed a crash on older devices caused by the random ID generator Overspend pace alerts and background daily briefing delivery Internal / TestFlight Notes — v1.1.3 New features Referral system: GET /referral/me + POST /referral/redeem; 30-day Pro granted via RevenueCat promotional entitlement on redemption; onboarding invite code field; one-time Today tab success banner; referral nudge card after 10th transaction Goal Coach AI service: suggestions when no goal is set; progress tracking + milestone levels when goal exists; taps pre-fill Scenario Simulator Receipt Vault: new receipts screen + API service; warranty expiry badge; linked to AddTransactionSheet OCR flow Net worth Today widget: compact panel above the fold, shows total NW + current-month P&L delta, taps to Insights Top 3 recurring items unlocked for free users with paywall upsell for remainder Day 3 + Day 7 Pro trial check-in pushes (personalised with actual spend stats) Weekly digest push reframed as weekly review ritual Background daily briefing fetch (7am local) + budget overspend pace alert push Bug fixes Scenario Simulator: switched baseline to 3-month rolling average; fixed logic order (non-positive savings check before goal-reached check); fixed double-counting of currentBalance in months-to-goal calculation Transaction sort: same-date ties now broken by createdAt (most recently logged first) crypto.randomUUID crash on Hermes builds without crypto global — replaced with manual UUID fallback dataCoverageMonths was reading newest transaction instead of oldest — fixed Analytics events added referral_nudge_shown, referral_share_tapped (source-tagged), scenario_run, scenario_saved, scenario_cleared, ai_feature_loaded, ai_feature_empty_state (goal_coach), receipt_saved_for_warranty, receipt_deleted

What's New in ZentroAI 1.1.2 New Features Zara — AI Money Coach: Meet Zara, your conversational AI financial coach. Ask questions, get personalised spending advice, and receive proactive daily briefings about your finances. Financial Crystal Ball: See a 30-day spending forecast based on your patterns and recurring expenses. Household / Couples Mode: Share your finances with a partner. Track combined spending with colour-coded transactions per member. CSV Import: Import transactions from your bank by uploading a CSV file. Spend Time Machine: Replay your spending history to see how past decisions shaped your finances. Weekly Digest: Opt-in to a weekly push notification summarising your financial week. Improvements Zara now has a distinct identity with a refreshed message card design. Free users get a preview of AI features to experience their value before subscribing. AI briefings are richer with more personalised spending insights. Transactions screen now has month summary, velocity indicator, and category filter chips. Today screen has live widgets — cashflow spark, breathing ring, and budget weather pill. Savings rate KPI card added to Insights. Bug Fixes Fixed AI amounts displaying in cents instead of dollars. Fixed Zero Day Predictor showing wrong currency. Fixed phantom subscription false positives flagging regular recurring expenses. Fixed the Why? and Mark Paid buttons not responding. Fixed category momentum showing →0% when no prior month data existed. Fixed animated ticker snapping back on loop.

Financial Crystal Ball Your finances, seen before they happen. A new Pro feature on the Insights screen gives you a rolling 30-day AI forecast - projected total spend, a 7-day near-term estimate, your projected savings outlook, and the top upcoming bills to watch for. Updated daily. Zara - AI Money Coach Meet Zara, your conversational AI coach. Ask any financial question in plain language - "Can I afford a holiday in August?" - and Zara answers using your real transactions, budget, and account data. Household / Couples Mode Share your finances with a partner under one Pro subscription. Invite them by email, view merged transactions and budgets across both accounts, and see colour-coded indicators for who added what. CSV Bank Statement Import Upload a CSV export from your bank and bulk-import transactions in one step. Handles common column formats across major banks. Free AI Narrative Trial Free users now get one AI Monthly Story per calendar year to experience the AI before upgrading. Spending Coach - Smarter Tips The AI Spending Coach now analyses merchant-level behaviour: price volatility, subscription creep over 3 months, and your highest-spend day of the week. Tips now name specific merchants and days. Smarter Daily Briefing The morning briefing now knows your payday countdown, recurring vs discretionary split, budget variances, and spending personality. Scenario Stress Testing Model financial disruption scenarios - job loss, rent increase, market crash - and see how your budget holds up. Financial Literacy Quiz A new bite-sized quiz on the Insights screen, refreshed regularly. Bug Fixes Fixed Why? and Mark Paid buttons not responding Fixed AI briefing showing wrong safe-to-spend amount Fixed CategoryMomentumRow showing 0% with no prior month data Fixed AI paywall redirect for chat, stress test, and AI Focus Fixed phantom subscription false positives Upgraded all AI services to Gemini 2.5 Flash Lite

Version 1.2 — What's New AI-Powered Receipt Scanning Snap a photo of any receipt in the Add Transaction screen. ZentroAI extracts the merchant, amount, date, and category automatically — no manual typing required. Spending Heat Calendar A new calendar view on the Trends tab shows your daily spend intensity at a glance. Green days, red days, and everything in between — tap any day to see exactly what you spent. Salary Celebration Log an income transaction and ZentroAI marks the moment with a full-screen celebration animation. Morning Briefing Card A daily AI-generated summary appears on the Today screen each morning — your overnight balance movement, today's spending pace, and one actionable nudge. Seasonal Spending Forecast The AI now factors seasonal patterns into your upcoming spend projections so your budget stays ahead of predictable spikes. Spending Anomaly Alerts Unusual charges are flagged automatically with a push notification before they slip by unnoticed. Live Stats Ticker A scrolling strip on the Today screen shows your key financial numbers in real time, now running smoothly and continuously. Polish & Performance Skeleton loading screens replace spinners across all panels Smoother entrance animations on every tab Refined typography and spacing throughout Budget category alerts fire when you hit 80% of any category limit Daily logging streak badge to keep your data fresh