Personal Ledger

NEW: ASSETS THAT LOSE VALUE ON THEIR OWN A car doesn't hold its price, and until now the only way to say so was to remember to edit the number yourself, which nobody does, so net worth quietly drifts high. Open any asset under Net Worth, switch on "Loses value over time," and set how much it loses each month. The app writes it down once per cycle from then on, and shows you what it'll be worth in a year before you commit to a figure. You can still correct the value by hand whenever you like after a repair, or a proper valuation. It only affects net worth. Nothing is logged as an expense, because no cash actually leaves your account when a car ages. YOUR CURRENCY, WITHOUT THE SETUP STEP New installs now start in the currency of the region your iPhone is set to, instead of always starting in AED. The base currency list has grown to cover the Gulf and the wider region: AED, SAR, QAR, KWD, OMR, JOD and EGP, alongside USD, EUR and GBP. If you've already been using the app, nothing moves. Your base currency is only ever changed from Settings, where the app converts your existing transactions at today's rates before it switches. A BETTER INTRODUCTION New installs now get a short walkthrough before setup, covering the four things people were most likely to miss: comparing your plan against what actually happened, letting bank texts log transactions for you, tracking what you own and owe, and the fact that none of it leaves your phone. Four screens, skippable, and it doesn't appear if you're already set up.