The Smart Budget

Smart Budget 2.0 — ready for iOS 27. • Money Advisor (Pro, iOS 27): ask anything about your money — "How much did I spend on groceries?", "Am I over budget?" — and get answers computed from your real numbers. Conversations run in Apple's Private Cloud Compute: nothing is stored, and nothing leaves Apple's private cloud. • Capture, set up in seconds (iOS 27): one tap installs the shortcut for bank texts or bank notifications — switch it on and every alert logs itself. • Import a bank statement (iOS 27): pick a PDF or CSV from your bank. Apple Intelligence reads it, skips what's already in the app and adds the rest. • New Household plan: share one ledger with your partner — budgets, goals and reports stay in step on both phones, and the owner's plan covers every member. Bought Pro before 2.0? Household sharing stays included in your plan. • iCloud sync, rebuilt: changes reach your other devices in seconds, and leaving a household keeps your data on both sides. • Needs review: tap the dashboard banner to jump to every transaction that's missing an exchange rate or a detail. • Paid early? Choose which month an income pays for, so a salary on the 28th funds next month. • Bank statement import reads more formats: signed amounts, debit/credit columns, more file encodings. • Smarter receipt scanning (iOS 27): the model reads receipts and bank screenshots directly for cleaner totals and fewer mistakes. • Recurring, for real: the Recurring filter now tracks your actual subscriptions and salaries, and you can mark any transaction as recurring with a long press. • Swipe to delete transactions right from the list (iOS 27). On iOS 26 everything keeps working as before — the new AI features light up when you update to iOS 27.