Version 1.3.0 — Mortgages, loans, and an app that reads right The largest release here so far: a new mortgage world, a root fix in recurring items, and an accessibility pass through every screen. Mortgages • A full mortgage track, in two calculation methods, with every detail living inside the track itself. • Remaining months fill in from the start date, instead of being typed. • "What if I pay more" now counts a mortgage made of several tracks. • A "Loans & Mortgages" category was added for everyone, including accounts created before it existed. Loans and recurring items • The loan account page opens again. It crashed on every visit since August. • Editing a recurring item shows its schedule, and keeps the date you picked. • "Completed" now says which date it means, and where the money is. • And there is a button that records occurrences that already happened as transactions — without moving your balance by a single shekel. • An item that lost its account says so, instead of showing a date that will never arrive. • A loan payment written by the engine gets a category. • A budget of zero is no longer stored as a budget. My plan • A new screen that says which plan you are on, what the quotas are, and how much is left in each one. • The quota meter says which items were counted, not only how many. • The quota is stated up front, instead of surprising you with an error after a filled-in form. Sapir • The unit is messages, and it is called that everywhere. • Crypto and investments count together, because their quota is shared. • When the quota runs out the app says so, and no question is sent for nothing. Portfolios and securities • A security page opens in under a second, instead of taking nearly half a minute. • Holdings merged across portfolios, with filtering and sorting. • The dividend calendar moved to portfolios. • Cost per unit is taken from the purchase date, not from today. Hebrew, accessibility and design • The calendar is in Hebrew, with navigation arrows. • The font-size control reaches every text in the app. • Contrast, touch targets, focus rings and progress bars were fixed across the product. • Screens respect the notch and the safe areas on iPhone. • Free text search in transactions, and a global search that works on the phone too. • The navigation drawer closes after you move, and moving to transactions stays inside the account you chose. • A new user's first screen is no longer a wall of zeros. Also • Shared cash flow: granting full edit permission requires approval. • Account lock: the asset stays yours, its usage stops. Thank you for keeping us accurate. Every report here was investigated.

Version 1.2.3 — Getting the numbers right This release started with one question: "why does the screen say something different from my bank?" We looked, we found it, we fixed it. Everything below was measured against real data. End-of-month forecast • Charges on a credit card now count toward the forecast of the account the card settles against. They used to be dropped, so the forecast ran too high. • A transfer leaving an account you selected, to one you did not, counts as money going out — because it is. It was not counted at all before. • A loan payment subtracts in full when the loan itself is not among the accounts you selected, instead of only the interest portion. Monthly balance • Now includes transfers leaving your selection, so it agrees with the projected balance above it. The two used to describe different months. Balances • Opening an account page no longer rewrites its balance. A balance you typed stays yours. • Balance rebuilds convert currency properly. An account with charges in another currency used to end up wrong, and a credit card could even stop settling because of it. Account selection • Choosing which accounts count now drives everything: net worth, income, expenses, transfers, the monthly balance, the forecast, Sapir's answers and the periodic report. Sapir • Counts by your selection, and says what was left out. • Can correct an account balance against your bank, and marks it current. • Refuses to move a charge date into the past, so no back charges appear. • Writing to a shared flow lands in the right flow. Periodic report • Net worth adds up to the lines beneath it, including credit card debt. • Each card says which account it settles against. Thank you for keeping us accurate. Every report here was investigated.

• One card for net worth and projected balance, with a three month chart • Choose which accounts count, grouped by type, and the choice is saved • Tap any figure for a full breakdown: every account, holding and debt • Pick a date and see every scheduled movement up to it • Fixed: a loan paid off early kept lowering net worth • Fixed: a subscription was projected past its end date • Fixed: a securities portfolio showed as zero • Fixed: the breakdown follows the accounts you selected

New in this version: - A completely rebuilt guided tour. It opens with three short questions and builds a chapter list that fits you, explains every screen in place, and never asks you to click a highlighted control in order to move on. - A projected balance you can explore. Tap the projected balance card, pick any day of the month, and see a chart with a separate cash flow line for each account. - The free plan now includes a savings account. - Fixes and stability improvements.

The in-app guide was rebuilt. It shows exactly where to tap, waits for you at every step, and moves on only when you tap Continue. We went through every chapter and fixed places where it pointed at a screen that was not open yet. Plus stability improvements.

A complete guided tour, in English and in Hebrew. The tour highlights the control you need and waits until you tap it, instead of only describing the screen. Chapters cover every screen, and you can reopen any of them at any time from Guide and tour in the menu. If something a chapter needs does not exist in your account yet, the tour offers to create it with you and then returns to where you were.