What is in 1.0.

Version 1.0 has not been released. It is coming to the App Store; this is the honest list of what it contains.

In 1.0

• Safe to spend, with the breakdown of how the number is built
• Manual accounts and transactions, unlimited, in any country; CSV import, backups and undo
• Budgets (3 on Free, unlimited on Pro and Premium) and goals (1 on Free, unlimited on paid)
• Spending and net worth reports and a Year in review; IOUs and bill splitting
• Bill and subscription radar, recurring detection, cash-flow forecast (Pro and Premium)
• Tax and retirement tools (Pro and Premium)
• AI advisor, receipt and product photo reading, powered by Google Gemini (Pro and Premium, with monthly limits)
• Optional read-only bank linking via Salt Edge in eight countries (Pro and Premium)
• Home Screen and Lock Screen widgets, Live Activity, Siri shortcuts, Control Center controls
• Face ID, passcode encryption, local reminders

Not in 1.0, on purpose

• Live market data. Prices are simulated and labelled.
• Brokerage, crypto or UPI connections. These are logged manually.
• Moving money. Connections are read-only.
• Bank linking outside the eight countries listed.

Plaid is configured in the code but not enabled, and no data goes to it.