NEW - Home and lock screen widgets: Safe to Spend at a glance, plus a configurable single-envelope widget - Siri: "Log Expense" shortcut drops you straight into a prefilled entry - Automatic private backup to your own iCloud Drive, with restore offered on the welcome screen - Payment reminders: get notified the evening before and the morning a recurring payment is due - Loan payments, your way: set the exact payment amount and day of the month on any loan envelope. Existing loan envelopes repair their schedule automatically - Pause envelopes: freeze an envelope so nothing spends from it or automates against it until you resume - Savings goals celebrate: hitting a target now triggers a celebration and unlocks achievements - Goal pacing: goals with a date show exactly how much per month keeps you on track - Allocation templates can now be applied: save your payday split once, reuse it every month - Edit or delete income records: mis-entered paychecks are finally fixable, with balances adjusting honestly - Direct-spending toggle for savings envelopes, and a one-tap Withdraw via Transfer button FIXED AND HARDENED - Buffer covers are visible now: when your buffer absorbs an overspend, the app says so, and transaction details name the buffer and amount - Auto-refill can no longer pull an envelope below zero or drain paused envelopes - Deleting an envelope no longer misreports previously allocated income as available - Archiving an envelope with money in it now warns you and offers to move the funds first - Recurring expenses can no longer be pointed at envelopes they can't spend from - Many smaller correctness fixes across envelopes, transfers, and income allocation As always: no account, no ads, no subscription, and everything stays on your iPhone.

This update makes ZappExpense faster and more reliable, with a tidy new way to manage recurring charges. - New: Clean Up Auto-Charges. Review the charges your recurring rules created, grouped by rule and envelope, and remove them in batches with the money refunded to the right envelope. - Fixed: deleting an expense that your Buffer had partly covered now settles correctly. - Fixed: transactions delete reliably and the list updates right away. - Faster: smoother performance with hundreds of transactions.

New this version: Insights & Spending Goals • Insights tab — see exactly where your money goes. Spend by merchant (search any store, like "how much did I spend at McDonald's?"), budget vs. actual for every envelope, and spending trends over time. • 50/30/20 Balance — instantly see how your income splits across Needs, Wants, and Savings against the classic 50/30/20 rule. • Spending goals — set a cut-goal like "keep dining under $150 this month," track your progress, and earn a Goal Crusher badge when you nail it. • Overspending, your way — choose to let envelopes go into the red instead of blocking you, with a friendly nudge to cover it. • A fairer financial wellness score that bounces back as soon as you're back on track. • A more polished, faster interface throughout. Everything stays private and on your device — no account, no cloud, no tracking.

This update focuses on reliability and polish: • Recurring expenses are smarter — bills and subscriptions post on exactly the right date • More accurate budgeting — envelope balances, rollovers, and transfers all behave as expected • A refreshed, easier-to-navigate interface with smoother menus • Cleaner Settings, plus more dependable backup and CSV/JSON export • Bug fixes and performance improvements throughout Thanks for budgeting with ZappExpense — we'd love your feedback!

- Update to envelope logic - Added gamification - Added feature to share transactions

- New envelope types - Saving envelopes and loans

- You can now import transactions directly

- Update offline database

- Updated system to be available offline - New local database

This update improves envelope logic and clarity across the app. Loan envelopes now use clearer payment-focused wording and tracking, with better handling for automatic monthly payments and extra manual payments. Savings and allocation flows were refined to reduce confusion and improve control. We also improved settings and data export so you can reliably export your data in CSV or JSON. Plus, general UI polish and bug fixes for a smoother experience.

- Added offline mode. No longer needs a active subscription to use.

- Updated interface

- UI screens updated - Simplified transaction history

- Updated UI for envelopes - Added caching system for fast loads

- Updated UI for transactions - New ability to find transactions by merchants - Filter expenses by date

- New income screen to add income sources - Updated UI

Redesigned envelope cards with a fresh, modern look. Each category now features its own color identity for easier visual recognition.