Monefic 2.2 brings redesigned budgets, split transactions, bank reminders, and refunds from several people at once. BUDGETS, REDESIGNED - Every budget shows its pace: what's left per day, where the period is heading, and whether it's on track, at risk, or over the limit. - Switch periods with tabs, filter budgets by status, and compare with the previous period by forecast or on the same day. - Open a category to see its spending build up through the period, along with past periods and recent transactions. - When you set a limit, Monefic suggests amounts from your history: last period, your average, and your current pace. - Choose your alerts: an early warning at 70, 80, or 90% of a limit, a pace alert when the forecast goes over, and an alert when a limit is exceeded. SPLIT TRANSACTIONS Turn one payment into parts for different people or categories, like a shared taxi, dinner with friends, or a supermarket run. Each part gets its own amount, category, member, and title, and your account balance stays the same. Tap "Split evenly" to share a payment between members. BANK REMINDERS Add the "Remind to log a transaction" action to a Shortcuts automation for your bank's notifications, SMS, or Wallet payments. Monefic sends a reminder, and tapping it opens the editor with the amount already filled in. Set it up in Account under Bank reminders. REFUNDS FROM SEVERAL PEOPLE - Expect money back from several people for one expense, each with their own amount, due date, and progress. "Split evenly with me" divides the bill for you. - Refunds and repayments in another currency are counted from the purchase amount, so your own share stays accurate. - Refunds are part of Monefic Premium. ALSO NEW - Use emoji as icons for categories and tags. - Long transaction amounts are no longer cut off. - Transaction rows show which fund paid for an expense, which expense a repayment covers, and your own share after a refund. - Bank messages that span several lines are now read correctly.

Monefic 2.1 introduces the spending assistant, today's budget on the Lock Screen, and many new widgets. SPENDING ASSISTANT Pick a question about your money: how your month is going, what's left to spend today, whether you're within your limits, which subscriptions got pricier, where your money went, how a category or tag changed month by month, and where you could save. The app calculates every number from your records, and a local AI model built into iOS puts the answer into words right on your iPhone. Nothing is sent to a server. Answers come with charts and lists that show where the numbers come from, and your conversations stay in a searchable history. The assistant is part of Monefic Premium and works on devices that support Apple Intelligence. TODAY ON THE LOCK SCREEN See what's left of today's budget on the Lock Screen and in the Dynamic Island. The Live Activity starts with your first transaction of the day and stays up to date as you add more. Turn it on in Settings. It's part of Monefic Premium. NEW WIDGETS - More than 20 new Home Screen widgets: net worth, cash flow, income breakdown, the year at a glance, subscriptions, budget rings, a category treemap, a large spending heatmap, and a summary for iPad. - New Lock Screen widgets: next payment, savings rate, no-spend streak, refunds, this week compared with last week, payments in the next 7 days, and the month total above the clock. - In StandBy, see your net worth, budget rings, and spending by day. APPLE WATCH - The Today screen shows a ring for what's left to spend, and a new History page lists your transactions with details. - Open a category to see its spending week by week. - Budget alerts arrive on your iPhone and on your watch. - New watch face complications: the last 7 days, income and expenses, average per day, a goal, an account, and upcoming payments. ALSO NEW - A guided tour on first launch helps you choose your main currency, theme, and notifications, then shows what Monefic can do. Replay it anytime from Settings. - Your first account is created in the currency you choose during setup. - Month totals of zero on the home screen no longer show a plus sign. - Long refund labels no longer cut off transaction amounts.

Monefic 2.0 brings Monefic Premium, widgets, and an app for Apple Watch. MONEFIC PREMIUM Premium brings together text import, period recaps, collections, funds, reimbursements and debts, advanced statistics, PDF reports with export presets, widgets with your numbers, Apple Watch views, and accent colors. Choose a monthly or a yearly plan. Eligible new subscribers can start with a free trial. Transactions, accounts, categories, tags, participants, budgets, goals, the home screen, basic statistics, iCloud sync, export to CSV, JSON, and text, and quick entry from widgets and your watch stay free. A new Monefic Premium section in Settings shows your plan and lets you restore purchases or redeem a code. WIDGETS Keep your money in sight on the Home Screen and the Lock Screen: balance, the month at a glance, what's left to spend today, budgets, goals, the month-end forecast, top categories, and recent transactions. Add an expense or an income in one tap from a widget or from Control Center. Amounts can be hidden when you don't want them on display. APPLE WATCH Monefic is now on your wrist. See what's left for today, your balance, budgets, spending, and expected refunds with Premium, and add an expense right from your watch for free. Choose which pages to show and in what order in Settings on your iPhone. Pick up on your iPhone where you left off on the watch. Put Monefic on your watch face: what's left today, a budget of your choice, refunds, the month-end forecast, this week's spending by day, and a button to add an expense. STATISTICS New charts show how spending builds up over the month, how it's spread across days, and which categories fall on which weekdays. Category breakdowns come in several chart styles, the overview shows how much you can spend per week, and comparison with the previous period now lives in the filter.

The best of the latest updates: period recaps, collections and funds, a home screen you can arrange yourself, smarter text import, accounts for every participant, and more reliable iCloud sync. PERIOD RECAP Every completed period has a recap you can scroll through chapter by chapter: the result of the period, where the money went, what changed, notable purchases, your spending rhythm, and what kept coming back. Every figure explains how it was calculated and opens the transactions behind it. Share a recap as a square or portrait image, with amounts and names hidden if you prefer. COLLECTIONS AND FUNDS Group related transactions into collections for a trip, renovation, or event, each with its own cover and totals for spending, refunds, and final cost. Set money aside in funds and cover a transaction fully or partially from them, even in a different currency. ACCOUNTS FOR EVERY PARTICIPANT Pick a default account for each participant and a separate account for each currency, so new transactions land in the right place on their own. Transactions can now be filtered by account. HOME SCREEN YOUR WAY Reorder the blocks on the home screen and switch off the ones you do not use. SMARTER TEXT IMPORT Paste a plain list of purchases and the model built into iOS reads it right on your iPhone, with nothing uploaded. It reads the currency next to each amount, matches categories and tags against the lists you already have, and comes with a short guide and a template. MORE RELIABLE ICLOUD SYNC Changes not yet synced are no longer overwritten by the iCloud copy, and when the data differs you choose which set to keep. The status no longer shows "synced" after a failed upload, and a detailed sync log is available on the iCloud screen. EXPORTS AND FILTERS Create PDF reports alongside text, CSV, and JSON, with presets for common reports. Combine or exclude categories and tags, and quickly find transactions without tags. This update also brings smoother scrolling, clearer multi-currency balances, and many smaller fixes.

The best of the latest updates: period recaps, collections and funds, a home screen you can arrange yourself, smarter text import, accounts for every participant, and more reliable iCloud sync. PERIOD RECAP Every completed period has a recap you can scroll through chapter by chapter: the result of the period, where the money went, what changed, notable purchases, your spending rhythm, and what kept coming back. Every figure explains how it was calculated and opens the transactions behind it. Share a recap as a square or portrait image, with amounts and names hidden if you prefer. COLLECTIONS AND FUNDS Group related transactions into collections for a trip, renovation, or event, each with its own cover and totals for spending, refunds, and final cost. Set money aside in funds and cover a transaction fully or partially from them, even in a different currency. ACCOUNTS FOR EVERY PARTICIPANT Pick a default account for each participant and a separate account for each currency, so new transactions land in the right place on their own. Transactions can now be filtered by account. HOME SCREEN YOUR WAY Reorder the blocks on the home screen and switch off the ones you do not use. SMARTER TEXT IMPORT Paste a plain list of purchases and the model built into iOS reads it right on your iPhone, with nothing uploaded. It reads the currency next to each amount, matches categories and tags against the lists you already have, and comes with a short guide and a template. MORE RELIABLE ICLOUD SYNC Changes not yet synced are no longer overwritten by the iCloud copy, and when the data differs you choose which set to keep. The status no longer shows "synced" after a failed upload, and a detailed sync log is available on the iCloud screen. EXPORTS AND FILTERS Create PDF reports alongside text, CSV, and JSON, with presets for common reports. Combine or exclude categories and tags, and quickly find transactions without tags. This update also brings smoother scrolling, clearer multi-currency balances, and many smaller fixes.

The best of the latest updates: period recaps, collections and funds, a home screen you can arrange yourself, smarter text import, accounts for every participant, and more reliable iCloud sync. PERIOD RECAP Every completed period has a recap you can scroll through chapter by chapter: the result of the period, where the money went, what changed, notable purchases, your spending rhythm, and what kept coming back. Every figure explains how it was calculated and opens the transactions behind it. Share a recap as a square or portrait image, with amounts and names hidden if you prefer. COLLECTIONS AND FUNDS Group related transactions into collections for a trip, renovation, or event, each with its own cover and totals for spending, refunds, and final cost. Set money aside in funds and cover a transaction fully or partially from them, even in a different currency. ACCOUNTS FOR EVERY PARTICIPANT Pick a default account for each participant and a separate account for each currency, so new transactions land in the right place on their own. Transactions can now be filtered by account. HOME SCREEN YOUR WAY Reorder the blocks on the home screen and switch off the ones you do not use. SMARTER TEXT IMPORT Paste a plain list of purchases and the model built into iOS reads it right on your iPhone, with nothing uploaded. It reads the currency next to each amount, matches categories and tags against the lists you already have, and comes with a short guide and a template. MORE RELIABLE ICLOUD SYNC Changes not yet synced are no longer overwritten by the iCloud copy, and when the data differs you choose which set to keep. The status no longer shows "synced" after a failed upload, and a detailed sync log is available on the iCloud screen. EXPORTS AND FILTERS Create PDF reports alongside text, CSV, and JSON, with presets for common reports. Combine or exclude categories and tags, and quickly find transactions without tags. This update also brings smoother scrolling, clearer multi-currency balances, and many smaller fixes.

This update adds a detailed recap for completed periods, a home screen you can arrange yourself, and a smarter text import. PERIOD RECAP Every completed period now has a recap you can scroll through chapter by chapter: the big picture, where the money went, what changed, notable purchases, your spending rhythm, what kept coming back, and returns and shared money. The recap shows the period result, adjusted expenses, average and median purchase, days without recorded purchases, a purchase calendar, spending across the week, and a comparison with the previous period that separates how often you bought from how much you spent each time. Recurring purchases are estimated by matching titles and categories across at least three months. Every figure explains how it was calculated, says when amounts could not be converted, and can be opened to see the transactions behind it. SHARE YOUR RECAP Turn a recap into an image in square or portrait format. Choose up to six metrics, insights or details, and hide amounts or the participant name when you would rather not share them. HOME SCREEN YOUR WAY Edit mode on the home screen now lets you reorder blocks and switch off the ones you do not use: accounts, budgets, goals, funds, collections, awaiting refunds, and recent transactions. IMPORT THAT EXPLAINS ITSELF Text recognition now comes with a short guide: dates as headings, how to mark income, how to write an amount with its currency, what happens with arithmetic and with names, and a template to start from. The text is read by the model built into iOS, right on your iPhone, with nothing uploaded and no internet connection needed. Recognition itself improved as well. Categories and tags are matched in a separate pass against the lists you already have, the currency is read next to each amount, refunds are matched within the same batch, numbers inside a product name are no longer mistaken for the amount, and text can be pasted from the clipboard in one tap. CATEGORY ICONS Icon search now looks for the symbol itself instead of the group it belongs to, so the icon you have in mind is easier to find. DIAGNOSTICS You can export a technical report for support: app version, device, sync state, and how many records you have. It contains no amounts, names or notes. SMOOTHER EVERYWHERE Scrolling on the home screen and in collections is smoother, monthly totals are more compact, and cards no longer fade while you tap them.

This update introduces several major new features and improvements. TRANSACTION COLLECTIONS You can now group related transactions into collections - for example, for a trip, renovation, or event. A single transaction can belong to multiple collections. Each collection can have its own cover image and shows total spending, refunds, and final cost. You can also filter transactions and statistics by collection. FUNDS Funds are now available for money set aside for future expenses. You can specify the source and available balance, cover a transaction fully or partially from a fund, and work with different currencies. Completed funds can be closed and reopened when needed. EXPANDED EXPORTS Exports now support polished PDF reports alongside text, CSV, and JSON. Include summaries, accounts, funds, goals, debts, refunds, and collections; apply advanced filters; and use presets for common reports. ADVANCED FILTERS Transaction filtering is now much more flexible. Combine categories, tags, and tag groups, match any or all tags, exclude specific values, and quickly find transactions without tags. STATISTICS You can now view statistics for individual collections. Calculations for multiple currencies, refunds, and fund-paid expenses have been improved. The app will also warn you when an exchange rate is missing. ACCOUNTS & CURRENCIES Account balances now handle transactions in different currencies more accurately. Approximate balances are clearly marked, missing exchange rates are highlighted, and older balances can be reconciled with a preview of the changes. Choose whether each account contributes to the total balance and statistics, and filter statistics by account. Savings goals and debts can now use their own currencies. ICLOUD iCloud sync has been improved for refunds, collections, cover images, and funds. Manual sync, forced refresh, and the time of the last successful sync are now available. If device and cloud data conflict, you can compare both sets and choose which one to keep. FASTER ENTRY Press and hold the app icon to add a transaction or quickly show or hide balances. Imported text now recognizes existing household participants more reliably and preserves valid ISO currency codes outside your saved list. On supported devices, an on-device model can also shorten a long transaction title without sending it to a server. PRIVACY You can now launch the app with balances already hidden, so sensitive amounts are not shown immediately when the app opens. This update also includes smoother scrolling and animations, improved responsiveness, and fixes for calculations, filters, funds, and synchronization.

This update introduces several major new features and improvements. **Transaction Collections** You can now group related transactions into collections — for example, for a trip, renovation, or event. A single transaction can belong to multiple collections. Each collection can have its own cover image and shows total spending, refunds, and final cost. You can also filter transactions and statistics by collection. **Funds** Funds are now available for money set aside for future expenses. You can specify the source and available balance, cover a transaction fully or partially from a fund, and work with different currencies. Completed funds can be closed and reopened when needed. **Advanced Filters** Transaction filtering is now much more flexible. Combine categories, tags, and tag groups, match any or all tags, exclude specific values, and quickly find transactions without tags. **Statistics** You can now view statistics for individual collections. Calculations for multiple currencies, refunds, and fund-paid expenses have been improved. The app will also warn you when an exchange rate is missing. **Accounts & Currencies** Account balances now handle transactions in different currencies more accurately. Approximate balances are clearly marked, missing exchange rates are highlighted, and older balances can be reconciled with a preview of the changes. **iCloud** iCloud sync has been improved for refunds, collections, cover images, and funds. Manual sync, forced refresh, and the time of the last successful sync are now available. **Privacy** You can now launch the app with balances already hidden, so sensitive amounts are not shown immediately when the app opens. This update also includes smoother scrolling and animations, improved responsiveness, and fixes for calculations, filters, funds, and synchronization.