Ready for iOS 27.

Smarter Tracking Hub — due dates, reminders, and cash flow. • Due days on bills and household salaries, with Due today / Overdue / Paid badges • 9:00 AM reminders so renewals and staff pay don’t slip • Free to spend card: income vs bills vs what you’ve already spent • Mark paid, and optionally log it to Activity in one tap • Loan repayment notes and share a balance summary

Track monthly money — kept separate from your spending. • New Tracking tab: incomes, loans, bills, and household salaries • Monthly incomes: salary, freelance, rent — category + amount • Loans given and taken, with repayments until the balance is zero • Bills: electricity, gas, water, internet — each month, share a PDF • Household salaries: driver, cook, maid — name + amount, check each month • Your existing expenses, budgets, and recurring auto-log are unchanged.

Spendly is now free for everyone — no purchase, no ads, nothing to subscribe to. • Everything you've already logged is exactly where you left it • Groundwork for translated versions in a future update • Smarter in-app rating prompt after real multi-day use

Add budget and recurring insights • Dashboard: month-to-date vs same point last month (% up/down) • Budget alerts at 75% / 90% / over budget • Recurring: “Upcoming this week” section + clearer list layout • Activity: day headers show expense count alongside totals

What's New • Set up recurring expenses from Add Expense. Logging rent, a subscription, or any repeating bill? Now you can choose how often it recurs — daily, weekly, monthly, or yearly — right when you add it. We'll save today's entry and schedule the rest automatically. • Your recurring spend at a glance. The Recurring screen now shows your active count and monthly total up top, so you always know what's coming.

Fixed Face ID App Lock sometimes turning itself back off after enabling it in Settings. Refreshed Insights, Settings, and Currency screens to match the app's design throughout. Fixed a stray search bar that could linger on screen after picking a currency. Small polish and stability improvements.

Private categories — hide sensitive spending (like donations) until Face ID unlock. • Mask amount, note, merchant & tags as •••• • Unlock for this session; auto-locks when you leave the app • Widgets, notifications, Siri & exports stay private • Reports exclude private spend until unlocked

New features: - Budgets — set a monthly limit per category and track it from the Dashboard - Monthly spending goal with progress shown on Home and the widget - Recurring transactions — rent, subscriptions, and bills auto-log on schedule - Custom categories, payment methods, merchants, and tags on every transaction - Split expenses across multiple categories, plus one-tap duplicate - Receipt scanning promoted front-and-center in Add Expense — camera or library, auto-fills the amount via on-device OCR - Face ID / Touch ID App Lock — now correctly covers open sheets, not just the background - Home Screen widget — today/month totals and budget remaining, plus a tappable "+" that jumps straight into Add Expense - iCloud Sync — now genuinely CloudKit-compatible instead of silently staying local-only - Accent themes — Clay, Moss, Ocean, Plum, or Charcoal, restyles the app instantly from Settings - Insights on the Dashboard (top category, highest spending day, and more)

- Yearly spending heatmap** — a GitHub-style daily heatmap of your spending for any year, plus an annual summary (year total, average per day, busiest month) - Siri & Shortcuts** — "Hey Siri, log an expense" and "How much did I spend this month?" (requires the Siri capa - CSV import / restore** — import a previously exported Spendly CSV to back up or migrate between devices - Receipt photos** — attach a photo to any transaction (stored privately on-device) - Added 40+ more world currencies, including the Malaysian Ringgit (MYR) — now 50+ total - New first-launch onboarding: pick your currency before you start - Beautiful, searchable currency picker - Fixed: changing the currency in Settings now updates everywhere instantly (no app restart needed) - General polish and stability improvements.

- Yearly spending heatmap** — a GitHub-style daily heatmap of your spending for any year, plus an annual summary (year total, average per day, busiest month) - Siri & Shortcuts** — "Hey Siri, log an expense" and "How much did I spend this month?" (requires the Siri capa - CSV import / restore** — import a previously exported Spendly CSV to back up or migrate between devices - Receipt photos** — attach a photo to any transaction (stored privately on-device) - Added 40+ more world currencies, including the Malaysian Ringgit (MYR) — now 50+ total - New first-launch onboarding: pick your currency before you start - Beautiful, searchable currency picker - Fixed: changing the currency in Settings now updates everywhere instantly (no app restart needed) - General polish and stability improvements.