Optiexpense

Your biggest update yet — and everything still runs privately, on your device. CARDS & WALLET • Add your cards to track credit utilization, spend-by-card, and statement reminders. Metadata only — no card numbers, no CVV, no payments. INVESTMENTS • Track stocks, funds, and crypto holdings with live price refresh and gain/loss — folded into your net worth. SMARTER BUDGETING • Zero-based budgeting: give every dollar a job with "left to assign." • Roll over unspent budget into next month. • Planned one-off items (a bonus, a big repair) now fold into your cash-flow forecast. TAX, DONE AS YOU GO • Mark deductible amounts, VAT/tax paid, and tax withheld right when you log a transaction — and export it all at tax time. MONEY COACH • Ask AI and Money Coach are now one place — a single, context-keeping chat that answers "can I afford this?" and runs what-if scenarios, grounded in your real numbers. • Set up your whole plan by describing your finances in plain language. SHARE WITH YOUR PARTNER • Share a single split expense with a partner over iCloud — invite-only, private, and it syncs when either of you settles up. FASTER CAPTURE • Scan barcodes and payment QR codes. • Better receipt and email reading, with on-device translation for non-English messages. COMPLETE ICLOUD BACKUP • Back up and restore everything — transactions, cards, investments, budgets, tax settings, and your profile — securely to your private iCloud. POLISH • Redesigned tab bar and colorful category icons, a tap-to-reveal amount keypad, edge-to-edge headers, and a manual exchange-rate override. As always: all AI is on-device. Your financial data never leaves your iPhone.