Your money in ChatGPT and Claude, and Claude right in Juls. • Connect ChatGPT or Claude to LAYA (Pro). They can read your balances, bills and budgets, and suggest changes you approve in LAYA. • Pick Claude or Apple Intelligence at the top of the Juls chat, for one chat or as your default. • Accounts shows liquid cash, available credit and held money separately. Mark money that's held, like a deposit behind a credit line or a time deposit, so it never counts as cash. • Juls makes spreadsheets and documents when you ask. • On iPhones without Apple Intelligence, Claude can read your screenshots if you allow it. • Settings links to the LAYA status page. • Fixed: LAYA Cloud works for every Founding Member again.

Juls gets to know you, and knows your utilities. • Setup now asks where you live, about your home and who depends on you. Rent, home loans, dues and padala become bills LAYA reminds you about. • Your electric and water company is suggested from your city: Meralco, Davao Light, VECO, BENECO, Maynilad, Manila Water, MCWD and over 400 more, many with their logos. • Add a bill shows the utilities in your city first, and search finds every electric cooperative and water district. • Juls is easier to find: tap "Juls" at the top of Home. Without Apple Intelligence, the suggested questions are ones Juls Lite can answer. • Faster on older iPhones like the iPhone 11, and sheets on small screens now scroll so the Save button is never cut off. • Downloaded LAYA before November 1, 2026? Pro is free for life. Download by December 25 and Pro, with LAYA Cloud, is free for 12 months.

Set up with Juls, save with friends. • Downloaded LAYA by December 25, 2026? Pro is free for life, with the most LAYA Cloud use of any plan. No subscription. • Juls walks you through setup one question at a time: accounts, income, bills and subscriptions. • Friends: invite with a link or QR code, see each other's level, badges and streak, and save toward shared goals. Friends never see your balances. • Badges and streaks for logging every day, paying bills on time and keeping budgets. • Tasks & Reminders puts everything waiting for your review in one stack. • 27 short lessons in Education, written for money in the Philippines. • LAYA Cloud (Pro, optional): Juls answers with Claude on any iPhone. Without Apple Intelligence, Juls Lite still answers from your numbers. • Adding an account takes three fields. Car Care, net worth and categories are more accurate.

Easier to read and faster to use. • Larger text across the app, and a bigger Liquid Cash figure on Home. • Juls responds more reliably: stopping a reply or a long chat no longer stalls it, and you can type while it answers. • A short video in Automations shows how to log a purchase from a locked iPhone with Back Tap or the Action Button. • A cleaner More tab and Lending screen, and redesigned welcome screens. • The tab bar gives every tab the same room, so Accounts is no longer cut off. • Changes from your other devices arrive sooner. Founding Members get a year of Pro free, with no subscription. Open until January 31, 2027.

Founding Members: download LAYA by January 31, 2027 and Pro is free for 12 months, with no subscription. If you already use LAYA, you're included. New: Subscription Calendar. One tab for everything with a due date: subscriptions, bills, loans, card statements and money you owe, with what's left to pay this month and a 30-day list you can fold away. Add bills from screenshots. Share a screenshot of your App Store subscriptions or a card statement to LAYA, or attach it in Juls. On devices with Apple Intelligence and iOS 27, LAYA reads the recurring charges on the device and you choose which to add. On devices with Apple Intelligence, Juls now answers from your own data on the device: what's due, how much you spent, and whether you can afford something. Also: the free plan now holds 10 accounts, 5 budgets and 5 goals, brand logos on bills, a redesigned subscription page, clearer Pro details, and LAYA is now a native Mac app with a sidebar, the Subscription Calendar and Juls.

Goals got a glow up with better planning tools. • Goals redesigned with full width photo cards. Add a photo of what you're saving for, write notes, and tag where the money lives, whether it's a bank account, GCash, or your piggy bank. • Inspiration gallery. Save multiple photos for each goal and choose any of them as the cover. • Trip checklists. Keep track of packing, bookings, and to dos with a simple tap to check list. • Backfill trip expenses. Log expenses from trips you've already taken. They'll count toward your trip budget and reports without affecting your reconciled balances. • Bug fixes and performance improvements throughout.

This update focuses on accuracy, sync safety, and clearer money tracking. - Improved iCloud sync visibility so you can tell when data is syncing, local-only, or needs attention. - Added safer backup and reset options, including full backup export and device-only reset guidance. - Fixed misleading expense totals by separating real spending from plain account/card payments. - Improved currency conversion across dashboard, reports, income, subscriptions, groups, lending, exports, and advisor context. - Payments linked to subscriptions now mark the correct month as paid. - Family support now appears more consistently across transactions, recurring support, obligations, and remittances. - Improved demo/sample data coverage for accounts, transactions, bills, groups, lending, family support, vehicles, education, and more. - Polished several screens and fixed smaller display issues around account balances and transaction amounts.

This update focuses on accuracy, clarity, and better real-life tracking. • Fixed multi-currency calculations across dashboard, income, budgets, analytics, trips, exports, weekly reviews, and AI insights • Family Support now brings together remittances, manual family-support transactions, recurring support, and related obligations • Subscription payments can now be logged from Quick Add and marked paid for the current month • Improved payment logging UI with clearer recurring and obligation selection • Balanced dashboard income and expense cards for a cleaner layout • Improved CSV/PDF exports with home-currency totals • Better budget alerts, spending pace, heatmaps, calendar spending, and weekly summaries • More reliable AI advisor context so Juls uses accurate financial numbers

Smarter Money, Less Work NEW • Monthly Bills — subscriptions and obligations in one view with payment tracking • Budget Simulator — plan before you spend with what-if scenarios • Savings Snapshots — auto-track interest earned and surplus per savings account • Spending Forecast — daily spend chart scoped to your Expense Accounts • Offer Code Redemption — redeem free LAYA Unlimited codes from the paywall • Upcoming Bills Lock Screen and Home Screen widget • Trip Budgets — set and track travel spending by trip • AI chart artifacts — Juls shows inline charts in conversations • Wallet transfers with configurable fees between accounts IMPROVED • Dashboard redesigned with smart insights and spending intelligence • Auto-Capture and Share Extension now deduplicate transactions automatically • Returning users skip onboarding and keep their subscription on reinstall • Expanded to 32 currencies with live exchange rates • Cleaner onboarding with optional sample data FIXED • Income no longer double-counted in monthly cash flow • Recurring transactions no longer generate duplicates on launch • Crash protection for corrupted data synced from older versions • Account balances stay correct after duplicate cleanup

What's New (v2.0.11): Stability & Reliability • Fixed crashes affecting some users after the recent update • Returning users who reinstall now skip onboarding automatically • Your Pro subscription is restored instantly after reinstall or sign-in Smarter Transaction Handling • Duplicate recurring transactions are now detected and prevented • Existing duplicates are automatically cleaned up on launch • Share Extension imports no longer create duplicate entries Paywall & Subscription • Fixed layout issues on the subscription screen • Subscription status now syncs correctly after signing in Polish • Light theme is now the default for new users • Sign-out properly clears all cached data for privacy • Demo mode no longer leaks into real user accounts • Improved data integrity checks run automatically on every launch

Critical stability fix. Resolved crashes when opening transactions, accounts, or launching the app. Added safe data decoding across all models to handle iCloud sync edge cases. If you were experiencing crashes, this update fixes them. We're sorry for the disruption.

Crash Fixes — Resolved crashes affecting some users when opening Accounts or launching the app. Added safe data decoding across all models to prevent crashes from iCloud sync mismatches. Smoother AI Chat — Fixed a scrolling issue that caused the advisor chat to pulse at the bottom. Conversations with Juls are now buttery smooth. Dashboard Fix — Income and Expenses labels on the "This Month" card no longer get cut off on smaller screens. Reinstall Recovery — If you delete and reinstall LAYA, your account is now automatically restored from iCloud without repeating onboarding. Paywall Layout Fix — Fixed a display issue where Pro subscription content was clipped on the left edge. AI Advisor Polish — Refreshed inline charts, tighter prompts, and more natural responses from Juls.

Smoother AI Advisor — Fixed a scrolling issue that caused the chat to pulse at the bottom. Conversations with Juls are now buttery smooth. Dashboard Fix — Income and Expenses labels on the "This Month" card no longer get cut off or word-break on smaller screens. Reinstall Recovery — If you delete and reinstall LAYA, your account data is now automatically restored from iCloud. No more repeating onboarding when your data is already there. Paywall Display Fix — Fixed a layout issue where Pro subscription content was clipped on the left edge. AI Chart Redesign — Inline charts in advisor conversations have been refreshed for clarity. Personality & Prompt Polish — Juls responses are tighter and more natural. Bug fixes and stability improvements.

• Smarter AI advisor: Juls now properly separates subscriptions, bills, and loans — no more mislabeling your car payment as a Netflix subscription • Change Juls' language mid-chat — switch between Professional, Taglish, Pure Tagalog, or Straight English without leaving the conversation • Redesigned charts in AI chat for mobile — horizontal bars with full labels, sorted by value, plus quick links to relevant sections of the app • Spending heatmap now shows top categories and recent transactions when you tap a day • Dashboard cards hide gracefully when you have no data yet • Scroll and performance fixes throughout

Smarter Dashboard, Better Controls • Safe-to-spend daily limit, payday countdown, and spending pace projections right on your dashboard • Upcoming bills banner with post-bills balance forecast — know what's left before payday • Weekly digest, no-spend day calendar, and LAYA Score trend with history tracking • Reply to messages in AI chat — quote and follow up with Juls for deeper advice • Transfer fees — now tracks fees so receiving accounts reflect the actual amount received • Share Extension polished — edit amounts, merchants, and categories before saving • Account balances now visible in transfer dropdowns • Delete confirmations on swipe actions to prevent accidental data loss • Fixed income items double-counting in budgets and subscription totals • Dozens of crash fixes, safety improvements, and UI refinements across the app

What's New Groups & Splitting • New group creation flow — add members right away so expenses split automatically from the start • Pick members from your phone contacts for faster setup • Settlements and lending payments now properly show in your transaction history Notifications • Daily push notifications at 9 AM for due bills, subscriptions, obligations, and tasks • Overdue items get daily reminders until marked paid • Evening follow-up at 8 PM — "Still unpaid today" reminders (works on Apple Watch too) • Notification permissions now requested during setup Income Sources • Semi-monthly and weekly pay frequency options • End-of-month note for pay days on the 29th–31st Voice Quick Add • Instant results — transactions parse locally in milliseconds • Expanded Filipino brand and language recognition (45+ merchants) Fixes & Polish • Fixed currency conversion showing ₱0 for USD income • One-line layout for subscription and bill rows • Fixed double back button in notifications tab • Removed misplaced Goals shortcut from account details

Meet LAYA — your AI-powered financial partner, built for Filipinos. SMART TRANSACTION CAPTURE • Voice Entry: say your transactions aloud and LAYA auto-parses them • Auto-Capture: automatically log transactions from bank SMS • Paste Capture: paste bank texts to instantly extract transactions • Share Extension: share from any app to capture transactions • Quick Add with smart category detection AI ADVISOR "JULS" • Chat with your personal Filipino finance companion • Get spending insights, budget advice, and savings tips • Understands Philippine peso budgets, family remittances, and local spending habits FULL FINANCIAL PICTURE • Dashboard with net worth, cash flow, and LAYA Score • Budget tracking with per-category spending limits • Savings goals with milestone tracking and progress visualization • Bill and subscription tracking with upcoming charge forecasts • Lending tracker for money lent or borrowed with due dates • Investment portfolio monitoring BUILT FOR FILIPINO LIFE • Family support and remittance tracking • Group expense splitting with balance tracking • Multi-currency support with live exchange rates • Personal and business account tagging MORE • Financial education hub with lessons and calculators • Gamification: earn XP, level up, unlock badges • CSV bank statement import for bulk history • CSV and PDF export for transactions and reports • Dark mode with warm premium design

What's New in LAYA Onboarding Guide — New users now get a quick 5-step walkthrough showing how to log transactions, add accounts, set goals, chat with Juls, and customize settings. Lock Screen Widgets — Check your balance, add a transaction, or start a voice log right from your lock screen. Large Home Screen Widget — See your balance, income, expenses, savings rate, and top spending categories at a glance. Quick Actions on Dashboard — Prominent "Add Transaction" and "Voice Log" buttons front and center. Monthly Bills Card — Redesigned accountability section shows your bill progress and next due date clearly. Bug Fixes & Polish • Voice log edit now saves changes reliably • Chat transactions require confirmation before saving • "What's New" no longer appears on first launch • Auto-capture messaging clarified — setup required • Improved chat scrolling so the latest message is always visible

Setup Wizard Walk through a guided setup in under 3 minutes — add your bank accounts, income, bills, and subscriptions. Juls AI can parse natural language like "BDO with 50K and GCash with 12K" to fill everything in for you. Siri & Spotlight Integration Add transactions hands-free with Siri Shortcuts. Search your accounts and transactions from Spotlight without opening the app. Dashboard Polish Redesigned spending activity cards with compact formatting, equal-height stat pills, and a cleaner category breakdown. Numbers no longer wrap awkwardly on smaller screens. More Filipino, More You 9 local accounts (BPI, BDO, GCash, Maya, GoTyme, UnionBank), 90+ transactions from merchants you actually use (Jollibee, Starbucks, Grab, Shopee, Meralco), and 13 recurring subscriptions and bills built right into the demo. Bug Fixes & Improvements Centered onboarding text, fixed subscription gating, smoother animations, and various UI polish across the app.