Changelog

What's new, improved, and fixed in Vaultric

v1.3.4
NewApple Pay card matching — captured purchases are now automatically matched to the exact cash account or credit card you paid with, by card number or card name
NewMerchant insights — open any transaction to see how often you’ve shopped with that merchant, plus your average and total spend there
ImprovedPending transactions now remember which card was used, making review and categorisation faster and more accurate
ImprovedCredit-card reconciliation now correctly accounts for Apple Pay captures routed to a specific card
FixCaptured transactions in a foreign currency are now correctly converted to your base currency, and historical amounts have been corrected
v1.3.2
NewQuick Log via Siri Shortcuts — log a cash expense by voice or a single tap without opening the app, auto-categorised from your spending history
NewOptional "auto-confirm on open" for Quick Log — cash logs save straight to your transactions and skip the review queue (per-device setting)
NewShortcuts settings hub — manage your Apple Pay and Quick Log shortcut links and regenerate your token in one place
ImprovedApple Pay captures with a missing amount are now saved for you to complete, instead of being dropped
FixDefault categories could be duplicated on first launch — duplicates are now merged and prevented going forward
v1.3.1
NewCashflow history — visualise your monthly income, expenses, and reconstructed end-of-month balance over time
NewRunway Boost (Pro) — actionable suggestions to extend your cash runway, each with an estimated impact
NewGift a free Pro subscription to friends with shareable links and automatic activation
NewPlan comparison step added to onboarding so you can choose Free or Pro upfront
ImprovedTransaction merchant logos now load from the merchant’s own domain for sharper, more accurate icons
ImprovedApple Pay setup reminder and a well-timed in-app rating prompt
ImprovedDashboard loads faster — data queries now run in parallel
ImprovedTransactions filter moved into a tidier three-dots menu; More menu reorganised with Savings and Goals under Planning
FixStripe billing webhook hardened to prevent duplicate retries on transient errors
FixRow-level security tightened across all data tables
FixLoans screen scroll bounce and several translation gaps (French, Italian, Spanish, Arabic) fixed
v1.3.0
NewApple Pay Auto-Detect — your Apple Pay purchases are instantly captured and queued for review via an iOS Siri Shortcut
NewPending Transactions review queue — approve, categorise, and route Apple Pay captures to any cash account or credit card in one tap
NewLocked-spend guard — Vaultric now blocks expenses when your account balance is fully committed to envelopes, goals, or your emergency fund
NewGoal Release flow — release locked funds from completed goals back to your spendable balance without moving cash
NewEmergency Fund release — partially or fully free up emergency fund earmarks without making a formal withdrawal
NewAutomation Insights dashboard banner — shows your commitment meter (% of income locked to automations) and an income reliability badge (Stable / Variable / Volatile)
NewSimulated "with-automations" runway — cash runway card now projects the impact of all scheduled automations over the next 30 days
NewLive exchange rates — 20 currencies updated daily from real market data (Frankfurter + fawazahmed0 for AED, MAD, SAR)
NewMulti-account management page — create, edit, archive accounts, adjust balances, and transfer between accounts
ImprovedDashboard balance cards now show per-account free vs locked balance, so you can see exactly how much is committed on each account
ImprovedTransaction merchant logos now appear in the full transaction list (Clearbit → Google favicon → category icon fallback)
ImprovedApple Pay review sheet now lets you choose between routing a capture to a cash account or directly to a credit card bill
ImprovedEarmarkWithdrawSheet — when a transaction is blocked, you can release just enough earmarked funds to cover it in one tap
FixPush notification service-role authentication hardened — server-side notifications now reliably deliver via a JWT verify fallback chain
FixNotification inbox routing fixed for all legacy log entries — tapping a notification now navigates to the correct screen
FixAccount balances no longer incorrectly deduct credit card purchases (affects_cash trigger regression fixed)
FixPer-transaction Apple Pay push throttle corrected — each capture now reliably triggers its own notification
v1.2.19
NewRemortgage modal — model the impact of switching to a new mortgage rate directly from the Loans screen
NewAutomation execution history — view a full log of every automation that has run, with success/failure status
ImprovedOnboarding refactored into 8 focused steps for a smoother and more resumable setup experience
ImprovedDashboard available-cash tooltip now explains exactly how your spendable balance is calculated
Improvedi18n gap filler — all 5 languages (English, French, Arabic, Italian, Spanish) are now fully up to date
FixPassword reset rate limiting added — abuse protection now enforced on both request and confirm endpoints
FixPermissive Clerk-era database policies removed — row-level security is now correctly scoped to authenticated users only
v1.2.18
NewCredit card tracking with billing cycles, statements, and payment history
NewSplit any credit-card purchase into instalments directly from the transaction sheet
NewAutomatic interest amortisation for instalment plans longer than 3 months, using your card APR
NewContextual push notifications for upcoming bills, instalments, and recurring transactions
Improved"Balance Owed" now reflects the current bill plus all pending instalment commitments
ImprovedDeleting a paid credit-card expense automatically refunds cash and cancels related instalments
ImprovedBill detail view now shows charges, payments, fees, and interest items in one place
ImprovedCredit-card subsystem rebuilt as an immutable, transaction-first ledger for accurate balances
FixVarious dashboard, forecast, and credit-card UX polish
v1.0.0
NewInitial launch of Vaultric!
NewDashboard with cash runway hero, balance cards, and celebration effects
NewIncome allocation breakdown (expenses, investments, goals, emergency fund)
NewSpending insights with category breakdown, budget comparison, and 6-month history
NewGoals at a glance with progress bars and estimated completion
NewUpcoming transactions widget for the next 7 days
NewFull transaction management (income & expense) with categories and search
NewActivity log view showing all events affecting your balance
NewSwipe-to-edit and swipe-to-delete on mobile
NewCash flow forecasting with visual chart and danger zone alerts
NewScenario modelling — Base, Lean, Growth pre-built scenarios
NewCustom scenario builder with save and compare
NewEnvelope budgeting system — allocate real cash to category-linked envelopes
NewSmart budget suggestions based on historical spending
NewEmergency fund tracker with lock, auto-contribution, and withdrawal safeguards
NewSavings goals with contributions, progress tracking, and pause/resume
NewInvestment portfolio tracking (stocks, ETFs) with ROI and allocation charts
NewInvestment pot for buying/selling shares with market data search
NewPension tracking with tax relief (40%) and NI savings (12%) calculations
NewLoan management (personal, mortgage, student) with repayment tracking
NewMortgage calculator with amortisation and remortgage modelling
NewCredits tracking — money lent to others with repayment progress
NewAuto-deduct loan repayments on salary received
NewRecurring transactions with daily/weekly/monthly/yearly frequency
NewAutomation engine with blueprints, calendar view, and execution history
NewMulti-currency support — GBP, USD, EUR, MAD with conversion rates
NewInternationalisation — English, French, Arabic with full RTL support
NewResponsive design with mobile bottom navigation and swipeable cards
NewiOS native app via Capacitor with haptic feedback
NewOffline detection with connectivity status banner
NewStripe subscription billing — Free and Plus plans (monthly & annual)
NewSupabase authentication with persistent sessions and password reset
NewMulti-step onboarding wizard with optional mortgage and student loan setup
NewSettings: currency, categories, language, subscription, loans, savings
NewDark mode with system preference detection
NewLanding page, Pricing page, FAQ, Help Center, About, Contact
NewPrivacy Policy, Terms of Service, Cookie Policy with GDPR consent banner
NewSecurity, Accessibility, and Status pages