Your savings apps and loans, in one place: • Import your PiggyVest, Risevest and Bamboo statements. Each plan becomes its own account, with its balance and the interest or returns it earned. Bamboo shows your US stocks account in dollars. • Add any other savings account or loan yourself, then update its balance whenever you like. A loan keeps what you borrowed and what you still owe, and you can mark it paid off. • Pick your lender's or provider's package (for example a Renmoney personal loan, an Access PayDay loan or a PiggyVest SafeLock) or enter the rate yourself, and see what a loan should cost in interest and what a savings rate should earn. Spending you can trust: • Money moved between your own accounts, into savings or towards a loan no longer counts as spending or income. It follows the transaction's category: change the category to fix one. • Mark a transaction as a duplicate of another so it only counts once. More banks: • Import Kuda and Zenith statements. • With Gmail connected, Moniepoint alerts are read too. • A statement from another listed bank is read by Ledga's general reader, and Ledga tells you it may be less accurate. • An OPay statement is now one account: your Wallet and OWealth together. • Removing an imported statement now removes its transactions too. Notes: • Add a private note to any transaction. Notes stay on your phone, and search finds them. As always, your transactions stay on your phone.

Meet Spending, a new tab for planning your money: • Budgets: set a spending target for a week, a month, a quarter or your own dates, for everything or for one category, and see what's left at a glance. Targets guide you; they never block a payment. • Savings: PiggyVest, Risevest and Bamboo deposits are recognised and tracked, with each account's balance. • Loans: follow your repayments and what you still owe. • Risevest: with Gmail connected, each Risevest plan shows its dollar balance and the returns it earns every month, from Rise's own emails. Money you move between your bank and Risevest is recognised, card top-ups too, and a withdrawal's fee is shown. • Ask Ledga to create, change or check a budget for you in Chat. Net worth in every currency: • Your savings count in your net worth, and loans count against it. • Hold dollars? Switch between your naira and dollar net worth. Ledga never mixes or converts them. More banks: • Import OPay statements: your Wallet and OWealth each become their own account. Smarter labels: • Suggested rules name and categorise 130+ popular Nigerian merchants, like Chowdeck, Bolt and Shoprite. Switch any of them off in Rules. • Change a rule and your past transactions update too. • With Gmail connected, receipts from Paystack, Flutterwave and others show who you actually paid, not just "Paystack". Faster imports: • Your transactions appear while Gmail alerts are still importing. As always, your transactions stay on your phone.

Meet Spending, a new tab for planning your money: • Budgets: set a spending target for a week, a month, a quarter or your own dates, for everything or for one category, and see what's left at a glance. Targets guide you; they never block a payment. • Savings: PiggyVest, Risevest and Bamboo deposits are recognised and tracked, with each account's balance. • Loans: follow your repayments and what you still owe. • Ask Ledga to create, change or check a budget for you in Chat. Smarter labels: • Suggested rules name and categorise 130+ popular Nigerian merchants, like Chowdeck, Bolt and Shoprite. Switch any of them off in Rules. • Change a rule and your past transactions update too. • With Gmail connected, receipts from Paystack, Flutterwave and others show who you actually paid, not just "Paystack". Faster imports: • Your transactions appear while Gmail alerts are still importing. As always, your transactions stay on your phone.

New in Ledga • Ask Ledga: a new Chat tab. Ask questions about your spending in plain words, like "How much did I spend on food last month?" Answers show which period they cover. Chat is optional and only runs after you agree. • Bank alerts from Gmail: connect the Gmail your bank alerts go to, and new transactions come in by themselves. Ledga only reads alerts from bank senders, and reads them on your phone. • A fresh new look, inspired by aso-oke cloth, with dark mode support throughout. • Net worth over time: a new chart on the Dashboard shows how your net worth has moved over the past week, month, 3 months, year or all time. • No double counting: when a statement covers the same days as your email alerts, Ledga uses the statement, so each transaction counts once. • Fixes for reading Wema Bank statements.