Bumped app version to 1.0.21 (build 23) for the new release. Updated and synchronized iOS/CocoaPods dependencies for better runtime stability. Improved dependency compatibility and fixed background issues for smoother app behavior.

Updated app version and iOS library setup to improve stability Improvements to voice input / chat experience Bug fixes and performance improvements

Added Debt as a payment method for more accurate business debt tracking. Added a dedicated Debt Ledger screen per business topic with all-time Payable and Receivable totals. Improved UX: debt transactions can now be edited/deleted directly from the ledger list. Improved sync error handling with clearer messages and actionable retry flows.

Improved subscription and cloud sync (Firebase) experience. Clearer subscription benefits when signed in. Minor fixes and stability improvements.

Improved Transactions screen UX: filters now scroll together with the list for smoother interaction. Enhanced transaction filtering and display flow for better readability and control. Fixed minor issues and improved overall stability.

Fixed cross-device transaction sync to reliably push edited changes. Standardized sync to use topicId to avoid name-based topic mapping issues. Improved payment method compatibility during Android/iOS sync.

- Fixed a database migration issue that could crash the app after updating on iOS. - Improved subscription/IAP stability and small UX improvements. - Added clearer auto-renewable subscription disclosure (service title, duration, and per-plan pricing). - Improved subscription purchase flow with direct links to Privacy Policy and Terms of Use. - Startup and overall stability improvements.

- Improved topic management UX with cleaner visuals, compact list items, and better actions. - Added topic type and planned wallet management with clearer remaining balance display. - Bug fixes and filter synchronization improvements across Transactions/Statistics screens.

Cleaner filters: collapsed by default; expand when you need filters for time range, category, and topic. Filter by transaction type (Income / Expense / Both) on Transactions and Statistics, aligned with query-based stats. Stability improvements and minor UI polish.

- Improved voice-to-text chat with faster and more reliable speech recognition. - Enhanced chat UX with clearer input guidance and a more polished error presentation. - Refined subscription settings UI for better visual alignment and readability.

Added Premium Monthly subscription ($5.99/month) Free plan: 3 AI questions/day with ads Premium plan: 200 AI questions/day + ad-free experience Added in-app purchase restore and automatic subscription status sync at app launch Improved Settings screen with a cleaner, professional layout Added direct links to Privacy Policy and Terms of Use Improved localization and UI consistency across Statistics, Transactions, and Settings

• Interstitial ads now show only after you add or edit a transaction, so they don’t interrupt your flow. • Ads are powered by Unity Ads for a smoother experience. • Bug fixes and small improvements.

Visual refresh: updated App Store screenshots for a clearer preview of MoneyNest.