A FRESH NEW NETVO This is a big one. A fresh look, new ways to organise your money, and the features you asked for. A BRAND NEW DISTRIBUTION • Your money as soft, calm blocks, sized by what each category is worth • Tap any block and it opens to show the accounts inside • What you owe sits in its own strip underneath • Beautiful in light mode, vivid in dark mode TRACKER FOLDERS (YOU ASKED) • Group subscriptions and payments into folders like Family or Bills • Open and close each folder, and see its total at a glance • A folder warns you when something inside is overdue • Press and hold a future payment to mark it paid or set its next date GOALS, ALL GROWN UP • Goals is out of beta • Tag your goals: Retirement, FIRE, House Deposit, or your own • Tap a tag to see only those goals GUIDED TOURS • New 30-second tours for Tracker, Goals and Distribution • Each tour points at one thing at a time, so nothing stays hidden NETVO AI, REFINED • A more polished Netvo AI, with a new guide that shows what each part does at a glance AND THE DETAILS • Your day streak now follows you to a new phone • History shows the exact change you entered, in each account's own currency • Redesigned in-app guides, with a short animation for every feature • CSV backups now keep your goal tags, Tracker folders and streak This is only the start. We refine Netvo a little more every week. Thank you for being here.

Refined and polished this week: Broader currency support, including the Costa Rican Colón and more of Central and South America. More polished Ai Insights, with smoother projections and trends. More refined balances for accounts held in your local currency, matching exactly what you enter. A cleaner transaction history, free of extra lines from everyday rate movement. Each currency now shown with the exact decimals it uses. Sharper number formatting across your account screens. We refine Netvo a little more every week. Thank you for being here.

Refined and polished this week: Sharper, cleaner Ai Insights for smoother projections and trends. More refined multi-currency totals across the home screen, accounts, and widget. Live prices now refresh automatically when you open the app. A cleaner History view, including the date of your all time high. More polished demo mode, account ordering, and sharing. We refine Netvo a little more every week. Thank you for being here.

• Smoother, faster iCloud sync — your accounts, subscriptions, and goals stay in step across iPhone, iPad, and Mac, with quicker cross-device updates. • Everything now shows in your chosen currency — balances, stocks, and milestones — with no drift. • Smarter stocks: backdated purchases, editable prices, one-tap live prices, and correct values for foreign-listed shares. • Stronger backups that include your subscriptions and goals. • Performance and reliability improvements. Thanks for using Netvo — Have an idea or spotted something? We read every message.

Weekly update — your feedback shapes Netvo. • Smarter Ai Insights: fairer score on debt-only accounts, honest projections with locked-until-ready forecasts, debt framed as a goal to close, in-debt progress shown as "% of the gap to positive" • Crash fix when adding entries on iPad and Mac • Widgets now follow your chosen currency • Decimal input now accepts comma (10,30 = 10.30) for Norwegian, German, French and other locales • Indian lakh grouping (3,62,875.15) parsed correctly • Tracker: Mark a subscription paid from the row's long-press menu • Investment holdings show this month's change • History "Current" and monthly breakdown now match across currencies • Performance polish under the hood Keep the feedback coming - we ship improvements every week.

This update makes Netvo smarter and smoother: • Improved performance across the app • Smarter Ai Insights — more honest projections and debt-aware coaching • Loans & debts now tracked more clearly — record entries as "Owe More" or "Pay Down" • Bug fixes for net worth calculation, history chart, goals and milestones Thanks for tracking with Netvo. Spotted something off? Tell us at hello@netvo.app

Version 2.0.0 brings the biggest update to Netvo yet. AI INSIGHTS (NEW) Three tabs of intelligent analysis, all private, all on-device. • Overview: Ai projects your net worth trajectory based on your real history. See where you are headed before it arrives. • Spending: Ai analyses your subscriptions and planned payments, surfaces patterns, and flags what is worth a closer look. • Goals: Ai gives personalised commentary on your pace and projects exactly when you will hit your target. No bank login required. No data shared. Ever. GOALS (NEW) • Set financial targets tied to your total net worth, a category, an account, or total debt • Live progress ring updates as your numbers change • Ai projects your deadline based on your actual pace MILESTONES (NEW) • Unlock achievements as your wealth grows • First account added, first goal reached, net worth thresholds • Every milestone saved with the exact date you unlocked it TRACKER ARCHIVE (NEW) • Archive paused subscriptions or payments without losing history • Restore them anytime with one tap CSV EXPORT AND IMPORT (NEW) • Export everything in one file: accounts, entries, snapshots, plan items, goals, and milestones • Import back on any device. Same schema, nothing locked in. Plus bug fixes and performance improvements throughout.

A faster, calmer Netvo. • Live prices sync more reliably • Transaction history now filters by type and amount • Quick +/- entry for shares, crypto, and grams of metal • Lots of little fixes

What's new in Netvo 1.0.1: WEALTH MILESTONES, FRONT AND CENTER Watch your net worth grow with built-in milestones - your first $1K, $10K, $100K, $1M and beyond. Track your check-in streak, unlock achievements as you hit new highs, and get gentle weekly nudges to keep the habit alive. Wealth is built one check-in at a time. SUBSCRIPTION TRACKER, REBUILT A complete redesign of the Tracker tab. Set any renewal cycle (daily, weekly, monthly, yearly, or every N units), mark items as Lifetime or Auto-Renew, and add payment accounts and links. Smart due-date reminders built in. SMARTER BACKUPS Your data is now safer than ever. Daily auto-backup is on by default, mirrored to iCloud Drive (Netvo / Backups folder), and survives uninstall and reinstall. Restore from any backup file with one tap. OPT-OUT CONTROL Choose exactly what counts toward your Net Worth. Exclude any account, category, or group with a single tap - perfect for tracking shared expenses, work accounts, or items you want visible but separate. YEARLY CSV FOR TAXES Export a clean yearly summary of every account and entry, ready for taxes and personal records. Includes both your display currency and the original transaction currency. PRIVATE CRASH REPORTING (OPT-IN) A new toggle in Settings lets you help improve Netvo by sending anonymous crash reports. Privacy-first - no financial data is ever collected, and you can switch it off anytime. POLISH AND FIXES Improved Tracker due-date logic, refined Settings copy, and many small visual and reliability improvements throughout the app. Thank you for using Netvo.