moneai

A big update: deposits and investments, multi-currency and PDF reports. DEPOSITS AND INVESTMENTS • Deposits: term, savings and on-demand. Nominal and effective rates (APY) convert into each other, with capitalization or payout to a card, a 365/360-day basis, tax and auto-renewal. • The app calculates interest daily and suggests what the bank should credit — you check and record it. • Forecast to the end of the term including top-ups, and an early-closure estimate: what you'd receive and how much interest you'd lose. • Add deposit terms to an account you already have. • A reminder 3 days before a deposit's term ends. • Investments: stocks, bonds, funds and ETFs, crypto, precious metals. Buys and sells with fees, dividends and coupons, average price, unrealized and realized profit. • Portfolio value, earnings and allocation — on a dedicated screen and on the Overview. MULTI-CURRENCY • Each account has its own currency; the total balance and statistics are shown in your main currency. • Enter a transaction in any currency and how much the bank actually charged. • Transfers between accounts in different currencies, debts and subscription payments in any currency. • You set the exchange rates — the app still works fully offline. A rate is remembered when you enter an amount in two currencies. SAVINGS GOALS • Link a goal to an account or deposit: progress follows its balance automatically, including top-ups and interest. • For a deposit, see whether it will be enough by the end of the term. PDF REPORT • A report for any period: totals and comparison with the previous period, an income and expenses chart, categories, largest expenses, accounts, debts, portfolio and all transactions. Save it to Files, print it or send it. ALSO NEW • The app is now available in Kazakh. • A welcome flow on first launch: currency, first account and a quick tour. • Your own pictures for categories and accounts — like your bank's logo. • Budget alerts at 80% and when you go over, including category limits. • Interactive spending chart in Reports and a refreshed donut on the Overview. • Filter transactions by account and category; suggestions for tags you've used before. • Default account for new transactions. • Returning a debt that isn't linked to an account now asks where the money went. • New About screen; updated Privacy Policy and Terms of Use. • "Void" is now called "Cancel". • Removed the "Recurring transaction" switch — use Bills & Subscriptions for regular payments. Removed the combined goals summary. FIXED • Notifications didn't appear while the app was open. • The passcode survived reinstalling the app. • Transactions could be dated in the future.