Contiv Financial

ACCOUNTS Track each bank account, credit card, savings account and loan separately — personal and business, in any currency. Your existing transactions have already been organised into accounts for you, so nothing is lost. TRANSFERS Move money between your own accounts, including conversions between different currencies. Transfers never count as income or expenses, so your profit and loss stays accurate. ONE TRANSACTIONS LIST Expenses and Income are now a single list, with transfers and balance corrections shown alongside them. Use the filter button to narrow it down to just income or just expenses. Tap any account to see only its transactions, with a running balance. FASTER ADDING Refund is now its own button, next to Expense and Income. You pick the account first, then type the amount. Transfer lives on the + button too. REPORTS Profit & Loss can now break your income and expenses down by account as well as by category. Each day in your transaction list shows how much money moved in and out that day. EXPORT The CSV export now includes your transfers and account balances, so the file actually explains itself. Every export is dated, and it opens properly in Excel. SECURITY Your password or Face ID is now required before exporting your data, clearing it, or deleting your account. A GUIDED TOUR A short tour runs the first time you open the app. You can replay it any time from Settings, under "Show me around". ALSO - Redesigned light mode — buttons and cards are far easier to read - Confirmation prompts now match the app's own design instead of system alerts - A split transaction shows as one line at its full amount, and splits into its categories under the By Category view - Various fixes throughout WORTH KNOWING - The Business Mode switch has been removed. If you were using it to hide your business data, you will start seeing that data again. Personal and Business are now decided by the account a transaction belongs to. - Pay a credit card as a TRANSFER from your bank to the card, not as an expense. The purchases you made on the card were already recorded as your expenses, so recording the payment as another expense would count that spending twice. - A loan payment is two entries: transfer the full payment to the loan, then record the interest the lender charged as a separate expense on the loan account. The app reminds you about this when you transfer to a loan.