Talk to Hisab. Tap the microphone in the coach and have a real conversation about your money — the way you would with someone you trust. Sawt listens while you speak, answers out loud, and you can interrupt it any time. It speaks your Arabic dialect — choose your country in the settings or let it match how you talk — and also English, Hindi and Urdu. Ask it three things and it answers from your own numbers: • Where do I start? — which debt to deal with first, and why. • Where is my money going? — the patterns in your statements and what one change would free up. • What do I say to the bank? — a letter in formal Arabic and English, read aloud so you know the words before you call. If you sound overwhelmed, it slows down and points you to real people who can help. Nothing about your tone is saved. The conversation is not recorded and no transcript is kept on our servers. Sawt uses the same tools as the text coach, so every figure it says comes from your ledger, your statements or a calculation. Also in this release: • The coach reads your ledger, statements and credit report on demand, does every calculation, draws charts and tables, plans goals and cash flow, compares loans and remembers the facts you tell it as records you can see and edit. • Follow-up suggestions written for your conversation. • The disclaimer and the support line in your own language. • Your journey card names the next step with your own figures. • Hisab tells you when a newer version is in the store. • Privacy: the app no longer talks to Google directly for anything — every request goes through Hisab's own server with your anonymous sign-in.

Hisab 1.3 — where your money went, and everything in one place SEE YOUR SPENDING, FROM YOUR OWN STATEMENTS • Upload a bank statement — several months at once, or several files together — and Hisab sorts every transaction into categories on your phone. • Money sent home, school fees, medical bills, government fees and travel home are never counted as "spending". They are listed on their own, with no chart and no comparison, because they are not luxuries and showing them as such helps nobody. • See what borrowing actually cost you: interest and fees, separated from what you bought. • Compare one month with another — but only when both months are fully covered and nothing seasonal distorts the picture. ASK ANYTHING, FROM ANYWHERE • A question box sits above the tab bar on every main screen. Tap it, ask, and the coach answers in a new conversation. • It takes attachments now, the same as the main chat. FOUR CALCULATORS THAT WORK WITHOUT A CONNECTION • Payoff planner — what to pay first, and the date it ends • DBR calculator — the debt-burden ratio a UAE bank runs before it says yes or no • Settlement calculator — what a lump-sum offer is worth, and the letter that makes it final • Budget what-if — move one number and see how much sooner you finish STATEMENTS THAT HANDLE REAL LIFE • Upload several months, or several files, in one go. Hisab queues them and tells you what it read. • Long statements are read in sections, so a 30-page or 100-page PDF goes through. • Every finding points back at the transactions it came from. FIND EVERYTHING • A Money tab gathers statements, documents, the spending report and the tools. • Search across the whole app. • One + button adds anything: a debt, a statement, a document, a payment. • You moved to the top of the screen, where you can reach it from anywhere. PLAIN WORDS • Every button says what it does. "Add a statement", not "Read a statement". "Planned payment", not "commitment". The jargon is gone. FIXES • Back returns to the screen you came from, every time — including when you arrive from a notification. • Circle opens on a fresh install instead of showing an error. • Arabic and Urdu: text that was cut off now fits, and arrows point the right way. • Rebuilt on the latest Expo and React Native, for a faster and steadier app. Your records are stored on your device. Sorting your spending sends merchant names only — never amounts, never dates, never anything that identifies you — and transfers between people are never sent, never counted and never named. AI features ask before they send anything.

The coach now answers with things you can use, not just text: • Ranked payoff plans, cash-flow forecasts, side-by-side strategy comparisons and creditor emails, each as a card you can act on. • Letters, payoff schedules and budget trackers you can preview, revise in conversation, and download as PDF, Word, Excel or CSV. PDF now works in Arabic, Hindi and Urdu. • Charts drawn from your own ledger — never from a number the coach guessed — and checked on your phone before they appear. • Attach a photo of a bank letter or statement and ask about it. • Answers keep streaming through interruptions. If the app closes mid-answer, continue where it stopped. Stop, regenerate, edit a question and branch, and search across every conversation. • Read any answer aloud, share a conversation, rate an answer, and see exactly where a figure came from. • Long conversations keep their thread: the coach still remembers what you told it at the start. Tasks and payments • A to-do list built from your debts and statements: reminders on the dates you choose, proof-of-payment photos, and automatic ticking-off when a statement shows the payment. • Mark as Paid is a real payment now — recorded, dated and reversible. Cleared debts sort below the live ones. Notifications • An in-app notification centre, a quiet mode, at most two pushes a day, and an off switch. Circle • Member profiles, following, pictures, and invites that carry your nickname. Everywhere • Clearer navigation with a shared header and a "where am I" on every screen, larger touch targets, proper right-to-left layout for Arabic, and support for bigger text sizes. • A faster, smoother chat, and updates that apply when you return to the app. • Dozens of fixes, including debt edits and payments that did not save, and more careful UAE legal guidance: bank fee caps, and travel bans stated honestly as possible, never automatic.