Changelog

Minor UI/UX improvements have been made to the overall app.

The income tab was not working in the recurring transactions form. This has been fixed.

Now users will receive Finie notifications on their Android devices.

The error has been diagnosed and fixed. Subject to further testing.

App crashed after integrating in-app updates. Firebase Crashlytics is integrated to debug this if it happens again.

Now users will need to update the app to the latest version to continue using the app. This is for the unified experience to all users.

Accounts page now refreshes the account balances in the background instead of manual refresh needed earlier. The profile page now displays what information of the user was saved during the onboarding.

Now the analytics will only be collected for logged-in pages and NOT for the public pages.

Now the plan page renders accurately what is the source of user's access to the plan.

Several minor bug fixes in Goals and Budgets have been made.

Bill Failure Risk detection was triggered when the cash accounts had <10% of the projected balance. This has been fixed. The 10% rule has been kept intact for credit limit headroom only.

Minor UI/UX improvements in transactions page/sections have been made.

When notifying the user about the CC bill generation, Finie was calculating the total outstanding amount instead of the amount as per the bill cycle. This has been fixed.

The INR values in upcoming payments section has been improved with better colour coding.

The mobile bottom navigation bar has been redesigned to be more intuitive and user-friendly. Also, the logged-in users were able to see auth pages like login, signup, etc. This has been fixed.

Arkad's cures, as per the legendary book, The Richest Man in Babylon, have been taught to Finie. Now Finie will suggest goal contributions and investment opportunities to the user wherever applicable.

Accessibility improvements have been made to the public home page.

The Credit Card Equaliser chart has been visually improved. The documentation for the same now has a dedicated section for understanding the equaliser chart.

If you signed up but did not verify in time, you can now resend the verification email from Sign in. Unverified accounts stay inactive until you verify.

Users can only sign up if they have a valid email address as per our anti-spam policy. This is for the ultimate safety of both, the users and expenseOS.

Now users can reserve upcoming monthly goal contributions while calculating room in the credit card equaliser.

Now users need to agree with the Terms of Usage before signing up.

Credit Card Equaliser algorithm has been improved with a few bug fixes.

Minor UI improvements done in the website and app.

User documentation has been improved with more detailed explanations and examples. Also, a cookies consent banner has been added to the website/app.

Finie is now more intelligent while interacting with the user.

Forecasts and monthly averages no longer treat a few days of the current month (for example a salary just credited) as a full-month trend. Cashflow outlook, net worth trajectory, goal completion, emergency-fund typical spend, adaptive budgets, and Finie average monthly spend now use completed months only.

Now Finie is more intelligent in detecting bill failure risk.

Now users can use the Amount Calculator while adding a transaction.

Now users can use the Credit Card Equaliser to avoid credit card overspending.

Now Finie is more intelligent in detecting anomalies in the user's transactions using an improved algorithm. Also, Finie will now remind users about their credit card bill generated on the day after the cycle close.

Finie is now more intelligent and supports more queries.

Now users can select an envelope to mark their expenses against.

Now users can find answers to their generic questions in the Docs.

Now users can export/import transactions from a CSV on Profile settings.

Now users can upload receipts using camera to add a transaction. This is available for Pro and Family tier users.

Now users can invite up to 5 members to their family and set shared budgets and goals. Also, fixed bugs in Razorpay subscription workflow.

Now Finie will message users twice a month regarding the adaptive budget suggestions.

Now Finie will remind users about their credit card bill due reminders and will detect anomalies in their transactions using Z score.

Now users can download the latest signed APK file for sideloading on their Android devices.

Now users can use the app on their Android devices (via apk). Google Play Store release coming soon.

Now users can plan their life events like buying a house, planning a wedding, etc. with Finie.

Finie now answer queries about subcategories of a parent category.

Finie now detects recurring transactions and suggests them to the user for auto posting. Also, it predicts the net worth trajectory over the 1/3/5/10 years horizon.

Now users can set a due day for their goal contributions and Finie will automatically transfer the amount from the funding account to the goal account on the due day.

Now users can see notification badges in the PWA App icon on their home screen.

Added What if Simulations and Weekly Digest for Pro Tier users. Now users can simulate 4 different scenarios: Paying off extra EMI, Big Purchase, Job Loss/Survival, and Investment CAGR. Also, they will now receive a weekly digest of the latest finance news.

Finie's messages now feel more personal and human-like.

Now the user will get notified by Finie in case of increasing subscription expenses or if there is any chance of an upcoming bill failure.

Added Monte Carlo Simulations for Goals. This helps users predict the completion probability of their goals.

Added Machine Learning to Analytics page for helping users predict their future balances and category spends. This is the start of Phase 2 of the project.

Added Privacy Policy checkbox in signup. This helps users understand how we collect, use, and protect their data before they sign up.

The 2-level category filter was missing in the transaction search. This has been fixed.

The profile page was showing a dead scroll at the very end. This has been fixed.

Now there are 200+ subcategories across all expense and income parents. A UI searchbar added for quick category selection with shortcuts for 5 most used categories.

Finie is now aware of your local timezone while having a chat with you.

Finie Chat now shows the date and time of the message.

Recurring Transactions are now created automatically on the due date at 6:00 AM IST. Finie notifies you accordingly.

Finie now checks all your account balances while providing you a bill/payment failure notification. This is a proactive remedy to help you avoid missed payments.

Finie is now more intelligent in suggesting you emergency fund. Minor UI improvements in Analytics.

Logged-in users were seeing the landing page instead of the dashboard. This has been fixed.

MTD and YTD views added in Analytics. User can now see the spending trends for the current month and year to date.

Anomaly detection by Finie now uses median of the last 90 days instead of the mean. During adding/editing a transaction, user now gets suggestions for merchants, notes and tags based on the previous transactions. Now greetings/UI queries don't consume daily quota limit of AI queries.

Now the user can see the full list of templates by clicking 'Templates' in the mobile FAB.

The Credit Card and Loan outstanding balance display and fill line are now fixed.

The 'Shopping & Lifestyle' and 'Vehicle & Assets' categories have been renamed to 'Lifestyle & Shopping' and 'Assets & Vehicles' respectively.

The USP question: 'Where did my money go?' is now answered with visual cards.

Added Razorpay integration to the app. This allows users to manage their subscription and billing. Family plan coming soon.

Finie was facing erors while performing text to sql. This has been fixed.

Finie was facing timeout error in Finie Chat. This has been fixed.

Finie was provided with the updated link to upgrade to Pro.

Finie AI got more powerful with more context awareness. Try asking new questions to Finie

Rupee values are now standardized for Indian style formatting.

Fixed: Transaction List was crashing due to recurring transactions.

Finie's first message was improved to be more precise.

User onboarding wizard was crashing due to finie avatar placeholder.

Admin not able to delete users with transactions.

Initial public beta with Finie AI chat, accounts, transactions, budgets, goals, and analytics. Upgrading to Pro and family coming soon.