Now in 12 languages, with money written the way your country writes it. Languages • Japanese, Korean, Chinese (Simplified and Traditional), Vietnamese, Indonesian, Spanish, Portuguese (Brazil), German and French join English and Thai. The app follows your iPhone's language. Currency • Yen, won, dong, rupiah and other currencies without cents no longer show decimals, and the keypad's decimal key becomes a "000" key for them. • The currency symbol sits where your region puts it — before the amount in the US or Thailand, after it in Germany, France or Vietnam. • Amounts with cents now always show both digits ($12.50, not $12.5). • The first screen shows the currency it picked for you, so you can change it before typing anything. • Popular currencies are suggested at the top of the currency list. If the app is useful to you, a short review on the App Store helps other people find it. Thank you.

This version closes the one real gap in the app: deleting it, or moving to a new phone, used to take your entries with it. Backup • Automatic backups: pick a folder (iCloud Drive is the one to choose) and a fresh copy is written every time you leave the app. The last seven days are kept. • Save a backup file by hand whenever you like, wherever you like. • Restore from a backup in Settings — the way to bring everything across to a new phone. • Still no account, and the app still sends nothing anywhere: the file lives where you put it. Lock with Face ID • Turn it on in Settings → Privacy. • Asks every time you open the app, and hides your figures in the app switcher. • Your phone's passcode always works if your face is not recognised. If the app is useful to you, a short review on the App Store helps other people find it. Thank you.

The most-asked-for additions, and a fix for the thing that caused the most mistyped amounts. Credit card • The card joins cash and bank as a third place to spend from. What goes on it is owed, not held. • The bills tab shows what went on the card this month, what is left to settle, and a Pay button that records the payment as a transfer — so nothing is ever counted as spending twice. • Turn it off in Settings if you do not use one. Adjust a balance • Tap a balance on the first screen, type what is really there, and the app works out the difference and records it. • An adjustment counts as neither income nor spending, so the summary keeps telling the truth. Keypad • Now laid out like a calculator, with 1 on the bottom row. Switch back to the phone layout in Settings. Entries • What is left in the cycle now sits at the top of the list. • Every day carries what came in, what went out, and the day's own total — green when it ended up, red when it ended down. • Days paid for from more than one place show the split between cash, bank and card. • Three views to choose from: detailed, compact, or grouped by category. Monthly bills • Say which month a bill starts in. The months before it owe nothing. • A stop button for anything you have finished paying — the months already ticked off are kept. • Change what a bill costs and choose whether that is this month only, from now on, or every month. • Tick a whole month off in one tap, and anything still owed is now plainly red. Savings and investments • Move money into a pot, or take it back out, straight from the keypad — the pot follows along. • Savings and investments are kept visibly apart, and each currency is totalled on its own line. Also • Pick a category icon from a laid-out grid instead of hunting through the emoji keyboard. • The first tab is now called Transaction. • The summary suggests closing a cycle on payday, so each cycle is exactly the money you have to make last. • Fixed: the summary could show zeros over a cycle that had entries in it.