Your biggest update yet — and everything still runs privately, on your device. CARDS & WALLET • Add your cards to track credit utilization, spend-by-card, and statement reminders. Metadata only — no card numbers, no CVV, no payments. INVESTMENTS • Track stocks, funds, and crypto holdings with live price refresh and gain/loss — folded into your net worth. SMARTER BUDGETING • Zero-based budgeting: give every dollar a job with "left to assign." • Roll over unspent budget into next month. • Planned one-off items (a bonus, a big repair) now fold into your cash-flow forecast. TAX, DONE AS YOU GO • Mark deductible amounts, VAT/tax paid, and tax withheld right when you log a transaction — and export it all at tax time. MONEY COACH • Ask AI and Money Coach are now one place — a single, context-keeping chat that answers "can I afford this?" and runs what-if scenarios, grounded in your real numbers. • Set up your whole plan by describing your finances in plain language. SHARE WITH YOUR PARTNER • Share a single split expense with a partner over iCloud — invite-only, private, and it syncs when either of you settles up. FASTER CAPTURE • Scan barcodes and payment QR codes. • Better receipt and email reading, with on-device translation for non-English messages. COMPLETE ICLOUD BACKUP • Back up and restore everything — transactions, cards, investments, budgets, tax settings, and your profile — securely to your private iCloud. POLISH • Redesigned tab bar and colorful category icons, a tap-to-reveal amount keypad, edge-to-edge headers, and a manual exchange-rate override. As always: all AI is on-device. Your financial data never leaves your iPhone.

• Fixed an issue where income entries couldn't be saved. • Smarter, more accurate AI insights and Money Coach — now grounded in your full financial picture. • AI-suggested budgets and savings goals are now editable. • Set your own exchange rate for foreign-currency transactions. • Clearer bank-text capture, plus App Lock and Apple Intelligence improvements. • Various bug fixes and refinements.

Optiexpense 2.0.2 is a big upgrade: • Smarter automatic capture — bank SMS and email receipts are detected and logged more accurately across more banks and countries, with on-device AI that better understands the merchant, amount, and whether it's income or an expense. • Face ID / Touch ID app lock to keep your finances private. • Nightly spending coach — a gentle end-of-day summary of your habits, based on your income and goals. • Redesigned Money Coach and onboarding, plus a header that shifts with the time of day. • Clearer analytics — category-colored charts and a redesigned savings streak. • Everything runs on-device for privacy, with daily iCloud backup. • Faster and smoother, with reliability fixes throughout.

Optiexpense 2.0.1 is a big upgrade: • Smarter automatic capture — bank SMS and email receipts are detected and logged more accurately across more banks and countries, with on-device AI that better understands the merchant, amount, and whether it's income or an expense. • Face ID / Touch ID app lock to keep your finances private. • Nightly spending coach — a gentle end-of-day summary of your habits, based on your income and goals. • Redesigned Money Coach and onboarding, plus a header that shifts with the time of day. • Clearer analytics — category-colored charts and a redesigned savings streak. • Everything runs on-device for privacy, with daily iCloud backup. • Faster and smoother, with reliability fixes throughout.

Optiexpense 2.0 is a big upgrade: • Smarter automatic capture — bank SMS and email receipts are detected and logged more accurately across more banks and countries, with on-device AI that better understands the merchant, amount, and whether it's income or an expense. • Face ID / Touch ID app lock to keep your finances private. • Nightly spending coach — a gentle end-of-day summary of your habits, based on your income and goals. • Redesigned Money Coach and onboarding, plus a header that shifts with the time of day. • Clearer analytics — category-colored charts and a redesigned savings streak. • Everything runs on-device for privacy, with daily iCloud backup. • Faster and smoother, with reliability fixes throughout.

• Automatic daily iCloud backup — your data is safely backed up to your private iCloud, and you can restore it anytime from Settings. • More accurate automatic capture — improved reading of card spends, refunds, and foreign-currency amounts. • Safe-to-Spend and cash-flow forecasts now count recurring bills correctly. • More reliable bill payments, debt tracking, and split expenses. • Stability and performance improvements.