Improvements related to CSV file import

Small bug fixes related to financial plans

Updated File Import (iOS 18) Everything related to file import has been rewritten from scratch using the latest technologies available on Apple platforms. • improved speed and reliability of file import • you can now start file import right in the app settings without opening a file in another app and sharing it • significantly improved import UI on the iPad, where the table view is used to more efficiently utilise screen space • improved UI related to creating new accounts and transaction confirmation for file import • improved support for VoiceOver when confirming transactions for file import • improved error messaging Other improvements: • when exporting transactions that include notes, the app also uses notes for shared transactions to mention who created/edited a transaction • fixed bug when pending transfers to/from accounts excluded from net wealth calculation were incorrectly processed in the net wealth forecast report

Internal improvements and bug fixes

Accessibility improvements

• improved animation when showing/dismissing financial plan sections • account widget can now display folder information

Updated Financial Plans (iOS 18 required) • the table view mode for financial plans is now available on the iPad • the table view mode has a new option to display both planned and actual numbers together in a single table cell • improved logic for annual items in financial plans. Now planned amounts are matched to reported amounts as long as spending for a year is within a specified annual amount • other items that affected your financial performance (such transfers to excluded accounts or currency exchange rate changes) are now displayed in plans This update also changes the direction of bars in the categories/payees reports.

Updated Financial Plans (iOS 18 required) • the table view mode for financial plans is now available on the iPad • the table view mode has a new option to display both planned and actual numbers together in a single table cell • improved logic for annual items in financial plans. Now planned amounts are matched to reported amounts as long as spending for a year is within a specified annual amount • other items that affected your financial performance (such transfers to excluded accounts or currency exchange rate changes) are now displayed in plans This update also changes the direction of bars in the categories/payees reports.

Significantly improved performance of financial plans, calculating financial plan results is now 4-5 times faster

This update brings a completely new attachments manager: • See your attachments either as a grid of thumbnails or a list/table (table is used on iPad and Mac) • Every attachment has a description of its transaction, file size, type, and date • Use search to find attachments by description or other metadata • Sort by size or date to find attachments that take up the most space • Select multiple transactions in the list/table view mode, then optionally delete or share them • Drag transactions from the attachments manager and drop them to other apps to copy It is powerful and simple to use. You can open the attachments manager in the app settings when you have previously saved attachments. The attachment manager requires iOS 17. Other new features: • Added dark and tinted app icons for iOS 18 • Improved sidebar colours on iPad in iPadOS 18 • Improved transaction entry in watchOS 11

This update brings a completely new attachments manager: • See your attachments either as a grid of thumbnails or a list/table (table is used on iPad and Mac) • Every attachment has a description of its transaction, file size, type, and date • Use search to find attachments by description or other metadata • Sort by size or date to find attachments that take up the most space • Select multiple transactions in the list/table view mode, then optionally delete or share them • Drag transactions from the attachments manager and drop them to other apps to copy It is powerful and simple to use. You can open the attachments manager in the app settings when you have previously saved attachments. The attachment manager requires iOS 17. Other new features: • Added dark and tinted app icons for iOS 18 • Improved sidebar colours on iPad in iPadOS 18 • Improved transaction entry in watchOS 11

Improvements to the Apple Card integration: • whenever there is an update to a transaction that was previously imported (for example, you dined at a restaurant and your amount has changed because tips were included) the app will apply this new updated information • improved reliability of Daily Cash transactions import • fixed bug when sometimes new transactions imported from Apple Card were duplicated

A number of improvements related to the Apple Card integration: • you can tap on an uncategorized income or expense in Apple Card account and quickly convert it to a transfer • when a new transaction is imported and there is a matching scheduled transaction, it will be updated as well and will be included into the list of its completed transactions • improved processing of transfers between Apple Card and Apple Cash/Savings accounts • improved processing of Daily Cash transactions in Apple Card account Other new features: • all metadata items (categories, descriptions, etc) are now sorted case insensitive

Apple Card, Apple Cash, and Savings integration (iPhone, iOS 17.4+ required, US only) Get your Apple Card/Cash/Savings transactions automatically imported into the app. Debit & Credit will do its best to categorize transactions and you can make your import super smooth by creating import rules. The app will also try to recognize and process Daily Cash transactions as refunds of your expenses.

Fixed bug when the payees report was incorrectly accounting for income transactions with split categories.

• fixed bug when scheduled transactions in calendar were created without taking into account specified end dates • improved logic behind autocompletion for metadata items when creating a new transaction

• graphs of the wealth-related reports (“Am I getting richer or poorer?”, “What will happen to my wealth in the future?”) now have more information displayed, their scale was adjusted to accommodate more report items • fixed bug when transaction descriptions were displayed incorrectly for transactions with splits when looking at a report with a large font size on a small screen device

This update brings improvements to report charts. The improvements are only available if you are running iOS 17. Changes to all reports: • the Y-axis with amounts is now always displayed on the right side • reports can be scrolled horizontally and timelines are consistently displayed in one direction across all reports • improved selection of items in a report graph Changes to wealth-related reports: • the wealth forecast report is now broken down into weeks rather than days when looking at next year. For the daily forecast, please change the report date period to next month or quarter • the wealth forecast default date period is now next quarter instead of next year. You can change the default date period in the report settings • improved display of the X-axis with date periods when looking into reports with shorter date periods Changes to the “How my spending is changing?” report: • report information for parent categories no longer includes child categories. They are treated now as separate categories. You can enable subcategory grouping in the report settings. Other changes: • improvements related to accounts sharing setup

Fixed bug when date selection was not working on iPhone when doing account statement reconciliation.

• improved support for iOS 17 and watchOS 10 • iOS 17 and macOS Sonoma have different calendar permissions. Debit & Credit requires full calendar access, the app now displays correct permission request for that. • bug fixes

• fixed bug when a balance forecast could be incorrect if you have recently moved to a different timezone • slightly improved PIN code entry animation, there is a very small delay now after typing the last digit

Added support for Apple Savings account. If you have an account called "Apple Savings" and you create a new transaction on an account called "Apple Card", the app will automatically create a cashback in the savings account. Any existing scheduled transactions with Apple Card will need to be edited to make the cashback account change to Apple Savings.

Fixed bug when the app was printing multi-page reports incorrectly.

• added option to use ISO 8601 date formatting when exporting transactions to a CSV file • improvements to searching scheduled transactions

• slightly refined “before” and “after” search operators. As a reminder, you can put search operators into the search field to get more accurate search results. You can read about them in the user guide. • fixed bug when sometimes refunds were incorrectly calculated in the “What do I spend my money on?” report • fixed a couple of small UI issues

In this update, the reports engine which generates information for reports was completely rewritten. As a result, the following improvements were made: • loading the “What will happen to my wealth in the future?” report with date periods over a year is now 3-4 times faster • loading the “What do I spend my money on?” report with enabled grouping option is now up to 50% faster • fixed bug when the “How much do I earn compared to my expenses?” report was incorrectly presenting information for mixed splits and refunds with splits • fixed bug when selecting only a parent category and then enabling the grouping option in the “What do I spend my money on?” report settings would result in incorrect report results • fixed bug when a transfer to an account that is excluded from net wealth calculation was not decreasing amounts in the “What will happen to my wealth in the future?” report • fixed bug when split amounts were incorrect when exporting transactions directly from a report • fixed bug when total category amounts were rounded when exporting transactions directly from a report

Small bug fixes related to financial plans

• fixed bug when the "How much do I earn compared to my expenses?" report had an incorrect layout • fixed bug when the “How my spending is changing?” report had an incorrect graph when it was broken down by weeks • fixed bug when the “How well do I manage my budges?” report had an incorrect graph when a weekly or daily budget was used • fixed bug when an upcoming scheduled transaction was duplicated after travelling to a different timezone

I am incredibly pleased to start a new long-term project of modernising underlying technologies used by Debit & Credit. The app has started in 2014 and many things have changed since then. Over the coming months or maybe even years I intend to modernise the code used by the app. This will allow the app to maintain its high level of performance and stability, as well as get new features faster in the future. In this version the following parts were rewritten: • report graphs • report tables • exporting reports to PDF • using Handoff for reports The changes were made only for the users running iOS 16 and macOS Ventura. If you are on an older version, you will see the same old reports. Actual report data (information generated by the app) will be rewritten in the next version. You should not see any major changes to the reports, I was aiming to keep them the same while rewriting. However, should you see any issues with report graphs or tables, please contact me through the app settings.

Added a new lock screen widget for budgets in the bigger rectangular size. The same widget is now available as a complication in watchOS.

Fixed bug when a top navigation title was staying on screen after swiping back on iPhone 14.

You can now add a widget to the lock screen to quickly launch the app (app launcher). The same widget is also available as a complication in watchOS 9.

Lock Screen Widgets (iOS 16 only) Debit & Credit supports a circular lock screen widget for budgets and a rectangular widget for scheduled transactions. When possible the app will provide the relevant icon for a widget based on its budget categories. New Apple Watch Complications (watchOS 9 only) Complications on Apple Watch are now the same as the lock screen widgets in the iOS app. You can assign a specific budget to a budget complication. New Account Icons (iOS 16 only) We have added five new icons available for accounts and account folders.

Bug fixes

Bug fixes

• small bug fixes and improvements • added Chinese localization

• when upcoming transactions are enabled they are no longer displayed until you scroll the list of transactions of transactions up. • when you have many attachments it can a bit hard to manage all of them in one place. So now on the “Attachments” page in the app settings attachments are grouped by year.

• fixed bug when entering transaction time was not working on iPad with attached external keyboard • fixed bug when transfers from/to accounts that are marked as excluded from net wealth calculation were leading to incorrect financial plans calculations • improved matching of existing payees when importing a file with transactions

• improvements to financial plans editing • improvements to reports when used with large font sizes • maximum transaction notes length increased to 2,500 characters

Now you can preview upcoming scheduled transactions in your accounts right next to regular transactions. To do that, select an account and tap on the options button (with three dots in a circle). Also the iOS version of the app gains local backups that are created automatically and can be managed in the advanced app settings.

Fixed bug when sometimes accounts in the watch app were displayed out of order.