SmartSplit is here. Split trips and group expenses, then settle up the smart way. • Add expenses anyone can share, and pick exactly who owes what • Compare two settlement plans, pay people back directly or net down to the fewest payments, then lock in one • Pay back in any currency, with the exchange rate captured at that moment • Attach optional payment proof and see a full settlement log • Send reminders in-app or over WhatsApp, and confirm payments two ways so nothing is paid twice • Invite friends with a simple share code, even if they don't have the app yet • See trip debts you owe and money to collect right on your dashboard, all flowing into Left to Spend, converted to your currency • Now supports 150+ world currencies with a searchable picker • Reliability and polish improvements throughout

A big update - FlowSpend is now a complete monthly money planner: • Left to Spend that makes sense -it starts at your full income and drops only as you mark bills and budgets paid, so you always see what's truly free to spend. • Every budget and bill is now tap-to-pay - mark rent, loans, subscriptions and more paid each cycle. • Accounts - add your cash, bank and card accounts and move money between them. • Income sources - add fixed or variable income and watch it land in your balance. • Savings goals - set a target and due date and we'll auto-split how much to set aside each cycle. • 90-day forecast and upcoming money changes, so nothing catches you off guard. • Reports - see exactly how much you paid for anything, over any period, and export it. • Tap any past salary cycle to see its full history. • Pull to refresh on every screen. Plus reliability fixes and polish throughout. Thank you for using FlowSpend!