• Free iPhone and iPad Home Screen widgets: see the next maturity or interest payment, or the next three events in a medium widget. • Tap to open the matching deposit and check its contract and reminders. • Names and amounts are hidden by default. Enable them in Settings; Privacy Lock keeps them hidden.

• Fixed several interface and wording issues. • Added explanations for Earnings Center metrics to clarify what the figures mean and what they cover.

This update expands SavingMan from maturity reminders into more complete deposit lifecycle management: • More dependable reminders: Principal maturity and periodic-interest reminders now share one repairable queue. On iOS and macOS, snooze for 1 hour, 6 hours, or 1 day, or open the matching record. • Clearer earnings: Add monthly and quarterly interest schedules alongside maturity, semiannual, and annual options. APY, month-end, leap-year, and short final-period calculations are handled more completely. Optional tax estimates show pre-tax interest, estimated tax, and after-tax interest. • Easier withdrawals: A guided flow explains full or partial early and maturity withdrawals, estimated proceeds, possible interest adjustments, fees, and the remaining principal plan. • Flexible renewals: Split the maturity total between withdrawal and renewal. Renewal starts on the old maturity date by default, while new terms, rates, and interest schedules can be entered when bank conditions change. • Traceable history: Review every withdrawal and renewal, the contract before the action, and the new contract. Eligible latest actions can be undone and are clearly marked as reversed. • Safer data management: iCloud and JSON backup retain disposition history and contract snapshots. Cleaning up ended contracts does not delete the current renewed contract, and a backup option appears before permanent deletion. • Better Mac experience: Improved desktop layout, search, keyboard workflows, and light/dark themes. Pro users can open Earnings Center in its own window and summarize currencies using ECB reference rates.

• Maturity and periodic-interest reminders are now more dependable. The nearest dates are scheduled first, while later reminders fill open capacity automatically as your CD ladder grows. • Reminder schedules are checked and repaired after you reopen the app or restore notification permission. • One alert time now applies consistently to principal maturity and periodic interest. Refresh rebuilds the current deposit from the settings shown on screen. • The seven-day follow-up is now clearly labeled as principal-maturity only, so it is not confused with periodic-interest alerts. • Treasury securities now appear first in bank suggestions. We also fixed periodic-interest alerts not appearing while SavingMan was open on iOS.

• Added semiannual interest payments, with estimated payment dates and amounts every six months and calendar-aware handling of month ends and leap years. • Control interest-payment notifications for each deposit. They are on by default; turning them off stops interim interest alerts without affecting maturity reminders. • Added APY-based interest estimates. Enter the APY quoted by your bank to see compounded earnings at maturity for 3-month, 6-month, and custom-term CDs—using actual term days, including leap days. • APY mode works with interest paid at maturity, preventing interim payouts from being mistaken for compounded returns. • Added Pro interest-tax estimates. Enter an optional tax rate per deposit to see interest before tax, estimated tax, and estimated after-tax interest. • Set an optional default rate for new deposits. Turning the feature off hides tax details without deleting saved rates.

• Added Annual Interest Payments for fixed deposits and savings bonds. Interest is now calculated for each payment date instead of being placed entirely at final maturity. • The 12-month chart now separates scheduled interest payments from the final principal repayment, making future cash flow easier to plan. • Earnings Center now estimates cumulative interest due through the latest payment date, helping you track savings-bond returns. • Annual-payment reminders, calendars, backups, and iCloud sync are fully supported. • Improved cards for large balances: long amounts no longer squeeze dates or interest details, and the layout adapts to narrow screens and larger text without abbreviating values.

• Fixed an issue that prevented some users from starting the free 30-day Saving Man Pro trial. • Fixed several interface display issues for a smoother experience.

• Back up and restore everything with JSON. CSV now supports bulk import/export and error previews. Share a deposit list or earnings summary image using your current filters and sorting. • Pro users can sync deposits, members, notes, and reminder settings between iOS and macOS through their own iCloud account—no separate account needed. • Privacy Lock supports system biometrics or device passcode. Amounts are covered as soon as the app goes to the background; re-authenticate after one minute away. • A new welcome page helps you add your first deposit or view the guide. Settings, More, Help, and card actions are easier to use on small screens.

• Start a 30-day free trial with every Saving Man Pro feature; turn deposit lists and earnings summaries into images for easier sharing. • Back up and restore everything with JSON. CSV now supports bulk import/export and error previews. Share a deposit list or earnings summary image using your current filters and sorting. • Pro users can sync deposits, members, notes, and reminder settings between iOS and macOS through their own iCloud account—no separate account needed. • Privacy Lock supports system biometrics or device passcode. Amounts are covered as soon as the app goes to the background; re-authenticate after one minute away. • A new welcome page helps you add your first deposit or view the guide. Settings, More, Help, and card actions are easier to use on small screens.

• New Family Assistance: label deposits by family member and add private notes. • Earnings Center now includes member asset distribution for clearer future cash planning. • Bank, member, and currency filters show record counts for faster finding. • Improved note viewing, maturity reminders, backups, and sync.

A clearer earnings center, 12-month maturity plan, CSV import/export, private iCloud sync, and Privacy Lock make deposit tracking easier and safer.

• Backup and restore are now free, making device changes and data cleanup easier. • Added CSV import/export for organizing many deposits with Excel. • Improved iCloud sync for deposit records and reminder settings across iPhone and Mac. • Added default reminder time and optional post-maturity reminders. • Updated App Store screenshots and copy to show the main user benefits more clearly.

• Added an App Store rating entry in iOS and macOS settings. • Improved iCloud sync for deposit records and default reminder settings. • Added default reminder date/time settings for newly created deposits. • Added an option to keep reminding for seven days after maturity.

1. Launch a macOS version with the same functionality but optimized for desktop workflows. The macOS and iOS versions share in-app purchases, so you only need to purchase once. 2. Refined UI details and improved usability - An explicit **“More”** button has been added to the navigation bar, consolidating access to Refresh, Select, Deposit Ratio, Backup/Restore, Language Switching, and User Guide features. - Refresh has been changed to **pull-to-refresh**; the original refresh icon in the navigation bar has been moved to **“More.”** - A bank filter button has been added next to the sort button, providing the same functionality as the bank icon on the left side of each record. - The Deposit Ratio icon on the left side of the currency summary bar at the bottom has been replaced with a more intuitive symbol, and an additional helper entry has been added to the **“More”** menu in the navigation bar. - The display style and on-screen position of the deposit date in the Add/Edit Deposit Record screen have been adjusted to make it more prominent and less likely to be overlooked. 3. Business logic optimizations - Reminder rules now apply to **the current moment and any time afterward**, rather than only dates after the current day. - Different names for the same currency can now be recognized and counted as a single currency in statistics.

1. Added a “Privacy Lock” feature: a new “Privacy Protection” card has been added to the operation guide, allowing users to enable/disable the privacy lock. - To fulfill our privacy-focused commitment, the Privacy Lock feature is free. - The privacy lock supports Face ID, fingerprint recognition, and PIN codes, directly using Apple device authentication to unlock data without requiring an additional password setup. - When enabling the privacy lock, system authentication is required first, and the setting is only saved after successful authentication. - When launching and entering the app, if the privacy lock is enabled, an opaque lock screen page will be displayed first to hide sensitive information such as deposit lists, banks, and amounts. - If the app stays in the background for more than 1 minute, it will lock again upon return. - After saving the first deposit for the first time, a pop-up will recommend enabling the privacy lock, and users can enable it directly from the pop-up. 2. Added an in-app customer rating feature. It will appear once after entering the first deposit record. After submitting a rating, it will not appear again. If “Later” is selected, it will not disturb the user again within one month. 3. Added a thank-you page: after a successful in-app purchase, the purchase button on the main interface will change its function to display a thank-you page to the user.

1. Improved multilingual support for non-English-speaking countries. 2. Fixed occasional instability when using "Restore Purchase." 3. Added French and German interface languages. 4. Improve the efficiency of entering new deposits: During the current App session, the New Deposit page will remember the “Bank” and “Currency” from the last successfully saved record, and automatically use them as default values the next time a regular new entry is created; after exiting/killing the app, it will naturally return to the default state.