Zenarios 1.2 builds on the new design with your feedback: quicker to start, more realistic for cars and couples, and less to read. QUICKER START • Welcome now leads with the full step-by-step setup. The rough plan still takes about a minute. • The rough plan now asks whether you have a car, how much of your savings is invested and whether you invest what's left each month, so an investor's plan no longer sits idle on a current account. • New plans assume investments grow 7 % a year (a broad share fund, before inflation, after fees). Pick Cautious, Balanced or Shares on the Accounts step. Saved plans keep their return. CARS • A car bought through a milestone can now have next cars: choose when the next one comes and how often after that. • Buy a car shows its running costs, which you can edit, and one plain line with what each replacement costs: the price, what the old car sells for and the account that pays. • A new suggestion asks you to check your car's value, fuel, insurance and upkeep while they're still estimates. COUPLES AND TAXES • Getting married now switches you to joint filing from the wedding on, for income tax and allowances. • A new Tax filing effect sets joint or separate filing on any milestone. MILESTONES • Deleting a milestone now asks what happens to the things that start with it: delete them too, or keep them at their dates. COMPARE • Compare plans in 10 years, at retirement or at the end. The difference follows the chart as you scrub. REMINDERS • Reminders arrive quietly in Notification Center without asking first, and every reminder is on by default. Turn any of them off in Settings. • Settings shows when notifications aren't allowed, with a button to allow them. ASK • "Grow your investments 0.5 % a year faster" now also reaches investment accounts with their own return, for example after switching to a cheaper fund. LESS TO READ • Overview shows one card at a time: check-in news, a question to sharpen a rough plan, a due check-in, a reminder offer, or your next step. • At most two lines under the big number. • The impact bar in editors shows two lines. Tap Why for the rest and the reasons. • 61 long texts are shorter, in all seven languages. FEEL • Light haptics on main buttons, long presses and delete confirmations. Delete messages are quieter. As always, your plan stays on your device. No account needed.

A fresh new look, and much clearer answers. • All-new design: calmer, cleaner screens everywhere, from Overview, Money, Ask, Scenarios and Timeline to onboarding and every editor. • See where your money goes: a new "Money by year" table, tap any figure to see what it's made of, and short notes on why your forecast changed. • Savings plans now show what you actually saved, not just what you planned. • Milestones are back on the charts. Tap one to open it. • Smoother charts: the number follows your finger as you scrub. • A short tour for your first minutes in the app. • Optional reminders: at most one a day, only when something is worth a look. • Germany: Altersvorsorgedepot support with allowances, § 10a and payout plans. • Redesigned PDF reports. • Fixes, including text getting cut off at larger text sizes.