Say what happened.
Keep the money clear.

No. Tap the AI button on Home even before your first real person is added. Adding people first can make matching easier. For a new explicit name, review the editable name and confirm adding the person. A new person uses your app’s default currency; the entry keeps any supported currency you stated. Applying several entries to that same new person also needs your explicit choice.

Yes. Describe entries for one person or several people. For a shared bill, say who paid, who took part and how to divide it. “I paid €60 for lunch. Split equally between me, Alex and Sam” creates two €20 entries; your own €20 share is excluded. If another person paid, only your own share owed to that payer is recorded. Voice splits create regular entries, not a Group Payback or collaborative group ledger.

The entry stays unsaved for review in a prefilled editor. Same-name ambiguity requires selecting exactly one person; approximate names can suggest matches without silently choosing an identity. Unclear participants, payer or unallocated totals need review rather than a guessed split. Saved entries can be edited or undone.

Yes. Name the person and an existing loan, for example “Alex paid me €50 towards his Car loan.” You can also add a principal advance to that loan, use either in a batch, or explicitly link one allocated split share. The loan must already exist under the matched person. A clear, unique name can match among several loans; a generic “his loan” only selects automatically when that person has exactly one eligible loan. “Paid me back” alone does not link a loan. Duplicate, unclear or missing loan matches keep the entry for review and selection. The app checks identities and loan eligibility again before saving. Voice does not create loans or change loan terms or repayment plans. Linked payments can retain date, note, currency, recurrence and a due date or one-time reminder; interest belongs to the loan, not a new setting on each payment.

Person, amount, gave or received direction, transaction date, purpose or note, currency, recurrence, interest, and a due date or one-time payment reminder. For an ordinary entry without an explicit currency, the matched person’s currency is used, then your app’s default. A shared-bill split without a currency uses the app default. A stated supported currency is retained.

Transcription and interpretation need internet. Manual entry and local records work offline. Free and paid users can use voice with applicable plan limits. Record for up to three minutes and request up to ten entries at a time, subject to allowances. Entries beyond an allowance stay visible with an explicit Upgrade choice.