Migrating from another app now works properly: .xlsx spreadsheets load and the file's subcategories are preserved. Budgets can watch an account or card slice — "Food on the card" becomes its own cap. Home gained the optional "Who owes me" section, with names, amounts and overdue days. Description is now optional: left blank, the category name steps in. And statements are now named after their due month, like your bank does.

All three projection screens were rebuilt, and the question they answer changed. Before: a curve and some loose numbers. Now: when it gets tight, how much is missing and because of what. In the short term the headline is the date — "You run out on Sep 2", with "R$ 289 short · back in the black on Sep 5" right below; the curve became steps with the zero line visible, because your balance doesn't fall on a ramp: it sits still between due dates and drops all at once on the debit day. The event list now carries a running balance and marks "this is where it breaks" on the guilty line, with shortcuts to simulate that amount or postpone that expense. In the medium term, the three nearly identical lines gave way to one line with an uncertainty band, and the screen's best content came out of the footnote: how much of each month is already committed and how much is still an estimate, month by month. The simulator now answers before it asks. It opens with the result — "does this scenario get me out of the red?" — and the form shrank to a single line. The chart shows the gap between today's trajectory and the scenario's, and every saved scenario shows its own result in the list. You can add up several recurring expenses at once. Fixes: the projection was leaving today's entries out of the balance, which made the curve optimistic. A recurrence paid today no longer gets the wrong time. And tapping a notification with the app closed now opens the right screen — before it went nowhere. Thanks for using Kontto!

Locked reports now open: instead of sending you to the subscription screen, the report is built from YOUR entries with only the money amounts hidden — curves, bars and percentages stay visible, and you decide whether to unlock. All eight of them. In exchange, the Analysis tab stopped interrupting with invites. The AI assistant gained a third provider, OpenRouter, with the model of your choice (the catalog loads live, free ones first).

Your financing balance now moves when you pay: the balance you entered becomes an anchor and the app draws it down by each installment's real amortization — and one tap shows how much of the next one is interest. Kontto also lets you know when your data has gone a month without a copy, and the reminder comes off in Settings with one tap. Plus two import fixes: OFX statements that came back empty, and PDF invoices read halfway or generated as an image.

The invoice screen got an add button. Before, posting a purchase the app didn't capture meant leaving the invoice, opening the form, ticking "use card" and finding the card all over again — now the + is right there, with two actions: expense and refund. And the refund, which used to hide inside "More details", now has its own screen with only what a return needs: it credits the right category, so the month's report stops saying you spent what was given back. The form also tells you which invoice the purchase lands on the moment you pick the card — "Goes into the August invoice" — instead of burying it at the bottom. Business-day due dates, card by card. When the due date falls on a Saturday, Sunday or holiday, the bank usually charges on the next business day, but the app insisted on the nominal date: an invoice "overdue" on Sunday and a reminder on Saturday. Now, in the card setup, you can turn on "Business-day due date" and the date the bank actually practices shows up in the carousel, the invoice screen, the reminder and the cash flow. The invoice still belongs to the same month as always — the roll is about payment only, never about which month it counts in. It ships off by default, since banks disagree with each other. Financing with a decreasing installment. Anyone on a SAC contract saw every future installment at today's value, the highest point of the curve — and "Projected interest" came out at nearly double the real interest on a long contract. Financing now has an amortization system (SAC, Price or fixed installment), the curve is computed from the contract itself, and the real bill anchors the amount with an add-on for insurance and fees. The setup screen was redesigned alongside it and shows how the installment will look before you save. Fixes: changing the invoice month of an installment purchase no longer touches an invoice you already paid — the "All" scope disappears when it would drag an already-settled installment, which used to leave the invoice without touching the payment; AI works again for anyone who created their Gemini key now, since the model the app used had been retired for new keys only; backup and sync now move in step, and turning sync on right after restoring a backup no longer overwrites what just came back; and OFX import now respects the time in the file, instead of stamping "now" on someone who is only recording the past. Thanks for using Kontto!

PDF invoice reading learned 8 new banks and now understands 22: XP, Sicredi, Banrisul, Carrefour, PagBank, Bradescard, Renner (Realize) and Riachuelo (Midway) just joined. Every bank prints its invoice differently — dates broken across two lines, the minus sign after the amount, a future-installments table that would duplicate everything — and each one now has its own dedicated reading, checked to the cent against real invoices. The reconcile screen also got more direct: PDF and OFX became the recommended sources, and the bank list only shows when you want to see it. Adjust balance grew up. It used to only correct the number; now, when the real balance differs from what's recorded, it asks where the difference went (or came from) — and you can post it as a real expense or income that counts in reports and budget, record a transfer, or just adjust like before. If you check your bank statement and know you spent those R$ 8, you're no longer left with an invisible adjustment. Paying an invoice got more trustworthy: the suggested amount is now always the actual invoice's, minus what you already paid — before, paying from the month list, the field could come up with a total that wasn't the invoice's. And the home screen, month balance and budget totals now match the invoice even with the full-value installment preference on. The "Who owes me" screen now speaks your language: receivables, not loans — selling a phone or splitting a dinner fits too. The AI key setup got clearer, shows when AI is active and gained a remove-key button; connection test errors now say what actually happened (model unavailable, provider instability or network drop) instead of blaming your key. And the card step in First steps can now be skipped. Fixes: entries that move money (paying an invoice, receiving a loan payment, adjustments) now store the time; emptying the trash no longer makes a deleted category come back on its own; layered PDFs (stamps, signatures) no longer come out empty in reconcile; and erasing all data no longer turns off Pro for subscribers. Thanks for using Kontto!

The Account report is here. From an account's statement, you can now see the whole month added up: what came in, what went out, and what each category and each tag took — with filters and PDF export, the same way the invoice report already worked on cards. The numbers match the "+X · −Y" on the statement by construction: a transfer received counts as money in, one sent counts as money out, and a balance adjustment shows in the list without entering the total. The card invoice changed how it organizes things. It now groups purchases by the month they were made in, not by the date the installment falls on: an installment of a January purchase no longer tops the July invoice just because its day number is higher. It now appears below, in a group for its original month, showing the real purchase date. The date is now always shown on every row, and the "3/8" moved next to the amount, where it no longer eats the merchant's name. The account detail got the "+" button, the same one from the home screen: expense, income and transfer with that account already filled in, no going back. And an imported receipt now arrives with the description already filled from whatever the scan could identify ("Pix sent · Nubank"), instead of making you type something before saving; when you're done, you can go straight back to the home screen. First steps no longer require a credit card: the third step now follows the goal you picked at the start — bills, budget, savings goal or logging your first expenses. Fixes in this version: the app no longer crashes when coming back from the background, nor when you tap back right after that; card OFX statements and PDFs that open with something before the header stopped being rejected; an iCloud file that hasn't downloaded yet now tells you what to do; the calculation in the calculator keypad wraps to its own line instead of disappearing behind "..."; and an installment purchase on a card now stores the time, like a single purchase already did. Thanks for using Kontto!

This version brings general performance and stability improvements. Invoice reconciliation is now more robust: incomplete or damaged PDF files are read whenever possible instead of failing.

Cash flow has been rebuilt. The screen now opens by answering the question that matters: if nothing changes, where do you end the period? The running total is the headline, over the year's curve — solid up to the current month, dashed for what's still ahead. And the month-by-month view became a mirrored chart: what came in on one side, what went out on the other, and each month's result on the same row, at the same scale. With it comes the fix that was missing: reports now count what's scheduled. Recurring items and unpaid bills are included by default, and a Status selector (all, completed or pending) lets you see only what has already happened when you want to. The balance projection changed too — instead of stretching the average of recent months, it adds up the commitments you already have and estimates only what varies. When adding an entry, tapping the amount now brings up a calculator keypad: you can add up the items of a purchase without leaving the screen. And time became an optional field, shown in the statement and on the card invoice. If you use tags on your cards: the invoice shows each purchase's tags, the invoice report includes a total per tag, and there's a new invoices report that adds up the same tag across cards. Also in this version: the Backup screen was redesigned and automatic backup is now daily; password-protected PDF invoices that wouldn't open now open; hidden accounts no longer count toward the month's result; and a renamed subcategory no longer reverts to its original name on every launch. Thanks for using Kontto!

"Who owes me" has been rebuilt. The list is now organized by person, not by loan: a header with the total you're owed and how much of it is overdue, a filter by type of arrangement (overdue, agreed date, whenever) and whoever needs chasing comes first. In the details, "Received" and "Reschedule" moved out of the hidden menu and are now right there. New: money received before Kontto. If someone paid you back before you started using the app, the amount settles the debt without creating a transaction — that money is already in your opening balance. The card invoice screen is cleaner: the credit limit is now a single line (tap to see used, total and reserves), actions sit side by side and payments are grouped, with a heads-up when an item has no category. Also in this version: the recurring calendar became a heat map with a day panel; you can drag to reorder your cards; custom reports export to PDF and CSV; and removing the card from an installment plan now converts the series to your account instead of getting stuck.

Loans are now a contract type of their own, right next to financings — same screen, with the right wording for each. Two things that were missing for anyone paying off a loan: Partial payment. Paid less than the installment? The amount you paid is recorded on its own and the installment stays open with the rest — before, the remainder quietly disappeared from your cash flow. Interest and late fees. Add the extra charges on an overdue installment without changing the contract amount: clear the field and everything goes back to normal. The PDF report now lists partial payments too. Also in this version: the date you're asked for when creating a contract is now clear ("Next installment due date"), we fixed a crash when opening the welcome offer, transferring from the accounts list now opens with the account already picked, and syncing between devices carries new fields again. Thanks for using Kontto!

Kontto widgets are now on iPhone. Keep an eye on your finances without opening the app: 5 home screen widgets — Balance, Card invoice, Budgets, Upcoming bills and Quick actions. Pick from 5 backgrounds, including the new iOS 26 Glass look, and choose which card each widget shows. Widgets are part of Kontto Pro. WHAT'S NEW • Invoice import now detects installments: a "(2/10)" line is no longer a one-off entry — it becomes the whole installment purchase, with the remaining installments projected onto upcoming invoices. • Category suggested from your history: Kontto first looks at how you categorized that same description before, then falls back to your rules — now in statement import, invoice reconciliation and manual entries too. • Full-screen transaction filters: account, card, category, tags, amount and sorting each get their own space, with the result count right on the button. • The statement starts with the most recent day, and display preferences (highlight pending, period balance, daily running balance, tags, notes) are now available right on the screen. • New accent color: Sakura pink now works with any theme, dark ones included. • Cash flow calendar: the "Include pending" option is remembered, and the running total carries across months. FIXES • Privacy Policy and Terms links didn't open on some devices, leaving the tap unresponsive. • Installments: tags, notes and "ignore" now apply to the whole series, following the scope you pick. • Preferences that failed to save when two settings were toggled at the same time.

What's new in 1.0.40: • New spending calendar: a heatmap of your month, with Balance × Cash flow views to track your cash flow at a glance • Batch delete on the card bill: select multiple entries at once — including installment purchases, which remove the whole series with a confirmation • Bill reconciliation via OFX: besides PDF and notifications, you can now reconcile your card bill by importing the bank's OFX file • Overpaid your card bill? The excess automatically becomes credit on the next one • Analysis tab, your way: rearrange the cards and enjoy 5 new charts (spending pace, top expenses, savings, spending by weekday, and fixed × variable) • New "Card on closing month" option, for those who prefer to see the bill in the month it closes • Create income recurrences right from the Recurrences screen • Pull down on the Home screen to sync • Fixes: paid bills showing as overdue, Itaú and Nubank refunds, Mercado Pago bills with multiple cards, Bradesco PDF statements, and support for the new Gemini keys

This version is all about making the app faster and smoother: • Card and invoice screens open more fluidly. • Fixes for credit card invoices. • General stability and performance improvements. Thanks for using Kontto!

What's new in 1.0.38 New • Income goals: set how much you want to earn each month and track your progress • Better Pockets: quick shortcut in the + button, guaranteed limit on cards (a linked pocket adds to your card limit), and pick where the money comes from when you save • Balance adjustments now support a back-date and a reason • Statement now shows your daily balance (Available), a running balance, and the projected balance for pending items • Financings and loans can now be filtered by tag and come with a PDF report • Notifications: reclassify pending items or save them straight into a pocket • Redesigned invoice screen, cleaner and better in dark mode • iPhone: faster receipt scanning and a lighter app Improvements & fixes • Forms are no longer dismissed by accident when you swipe • Fixed undoing invoice payments • Clearer error messages and a more stable app Thanks for using Kontto!

• Kontto is now available in English. • Stability improvements and small fixes.

Novidades desta versão: • Parcelamentos: nova opção de vê-los pelo valor total da compra. • Relatórios: detalhamento por tag, com as tags também nas exportações. • Faturas: data editável no pagamento. • Financiamentos: abatimento sem movimentar o saldo da conta, ideal para FGTS. • Lista de transações mais fluida e responsiva. • Correções de estabilidade e melhorias internas.

Novidades • Barra de abas translúcida, com o conteúdo desfocado ao rolar. Se você usa "Reduzir transparência", ela continua sólida. • Transferência agendada agora abre a tela de confirmação: ajuste o valor, a conta de origem e a de destino antes de efetivar. • A lista de Transações passa a agrupar por data, com um cabeçalho por dia. Melhorias • Linhas mais limpas: a parcela (ex.: 3/8) foi para a linha da data, em vez de ocupar uma terceira linha. • Filtro de tipo (Todas/Receitas/Despesas/Transferências) virou um seletor, com todos os rótulos do mesmo tamanho. • Com "Saldo do período" ligado, a soma do dia volta a aparecer na seção Concluídas mesmo com "Pendentes em destaque" ativo. • O resumo do período mostra "=" no resultado, deixando claro que ali é o saldo entre saída e entrada. • Tela de boas-vindas do Pro mais enxuta, com o botão sempre visível. • A escolha de banco no onboarding abre sem travadas. • Animações decorativas respeitam "Reduzir movimento". Correções • Contas sem caixinha não mostram mais o aviso de "caixinhas acima do saldo" — conta no vermelho é só conta no vermelho. • Os valores do resumo do período não são mais cortados. • O conteúdo não aparece mais por baixo do botão fixo das telas deslizantes. • O PIN não é mais pedido antes da hora quando o sistema encerra o app em segundo plano.

Esta versão deixa o Kontto mais rápido, fluido e caprichado: • Abre mais rápido e volta instantaneamente quando você alterna entre apps • Nova animação de abertura, mais curta e suave • Gestos de deslizar com física natural, respondendo à velocidade do seu toque • Suporte a "Reduzir Movimento" (Ajustes › Acessibilidade) • Tipografia refinada em títulos e valores grandes • Melhorias gerais de desempenho e estabilidade Encontrou algo estranho? Fale com a gente em Configurações › Enviar feedback.

Análise do mês melhorada: • O gráfico por categoria agora alterna entre despesas e receitas, com detalhe por subcategoria • "Novos gastos" ficou preciso: recorrências não aparecem mais como novidade todo mês Mercado Pago: • Lembrete de boleto não vira mais lançamento pendente por engano • Comprovante de valor redondo era importado com valor errado — corrigido Mais: • Edite subcategorias direto na lista • Correções de navegação e de teclado em algumas telas • Ajustes visuais na confirmação de lançamentos

Duas novidades no controle do dia a dia: No "Quem me deve", agora você registra a devolução parcelada: cada recebimento esperado com sua data e valor, todos entrando no seu fluxo de caixa projetado — não mais uma data única. E o Lançamento ignorado: tire um valor atípico das suas análises, gráficos e orçamentos sem apagar. Ele continua visível e no saldo real da conta, só fica de fora dos relatórios. Também: as reservas passam a mostrar quanto está "Disponível" e avisam se você for gastar além, e ficou mais fácil editar ou excluir um ajuste de saldo. Mais melhorias de estabilidade. Obrigado por usar o Kontto!

Chegou a sincronização entre aparelhos! Use o Kontto no seu iPhone e no iPad com os mesmos dados, sempre atualizados. Fiel à privacidade do Kontto, a sincronização é de ponta a ponta e passa pela sua própria conta do Google Drive — nada fica em servidores nossos. Seus dados continuam só seus. Também redesenhamos o backup: ficou mais simples de ligar, conferir e restaurar. E, como sempre, melhorias de estabilidade e desempenho. Obrigado por usar o Kontto!

Nesta versão: • Relatório de fatura por categoria e tag: filtre os lançamentos de um cartão e exporte só o que interessa em PDF. Perfeito pra separar gastos de terceiros (ex.: alguém usando seu cartão) e mandar apenas aquilo. • Teste o Kontto Pro grátis por 7 dias: relatórios avançados, fluxo de caixa e tudo sem limite. A gente te avisa antes de qualquer cobrança e você cancela em 2 toques. • Onboarding mais rápido e uma comemoração quando você registra o primeiro gasto. • Melhorias nas notificações e correções de estabilidade. Privacidade em primeiro lugar: seus dados financeiros continuam só no seu aparelho.

Novidades: • Backup: Agora cifrado no Drive, com histórico e senha. • Faturas: Edição de categoria em massa e filtro para itens sem categoria. • Recorrências: Propagação de observações/horários e pulos mais consistentes. • Háptico: Nova preferência para desativar a vibração no app. • Pro: Melhorias no paywall, teste grátis e avisos de assinatura. • Correções: Ajustes no teclado, estabilidade e visual.

Novidades da versão • Saldo previsto corrigido: transferências de contas ocultas agora entram certo e o saldo futuro fecha. • Tela de Contas repaginada: saldo disponível em destaque, evolução do mês e contas em cards. • Análise mais limpa: lista de categorias com novo visual e cores mais harmônicas.