Changelog

This one is for the things you've been asking for the longest. Reviewing imported transactions no longer lives on a separate page, it happens right inside the register. And goals have been rebuilt from the ground up to be far more flexible: every goal now pairs a schedule with a behavior, so annual bills, spend-as-you-go trips, and top-up buffers each work the way you'd expect. If you set up goals a while ago, it's worth a fresh look, there may be a better fit for what you want now.

🧾 Transactions

• New: review happens in the register. The separate pending page is gone. Unapproved imports now sit in an In-Review section at the top of your transactions, split into Pending and Posted, with Approve, Reject, and Unlink available everywhere: row menus, bulk selection, mobile cards, and the action sheet. Editing an in-review row offers Save & Approve in one step, and the "N transactions need review" banner now filters the register down to just those rows, with a clear way back.

• See what the bank actually sent. When the import pipeline renames a payee, the original bank text stays one hover (or one tap) away, and unmatched imports show the raw name instead of a blank payee.

• Teach payee names from anywhere. Renaming a payee on an imported transaction now offers a "Remember" action, on every surface, so next time the bank's text maps straight to your name.

• Your filters apply to the In-Review section too, so a filtered register stays filtered top to bottom.

• New: an Untagged option in the tag filter, for finding everything you haven't tagged yet.

→ Transactions

🎯 Goals

• Rebuilt: every goal is now a schedule plus a behavior. Pick how often the goal asks (weekly, biweekly, monthly, yearly, by a date, or open-ended), then pick how it counts: Budget another counts what you budget so you can spend along the way, Fill up to tops the category back up each period and lets carryovers count, and Reach a balance tracks the balance itself toward a date.

• Annual bills finally behave. A repeating by-date goal now resets every cycle on schedule: whatever is left carries into the next cycle, and once the bill is paid, the next cycle starts asking again. No more "achieved" hangover on money that was always earmarked.

• Save for a trip and spend as you go. A by-date goal with Budget another keeps asking the same monthly slice no matter what you spend, so booking flights early doesn't reopen the goal.

• Weekly and biweekly goals can now Fill up to, with leftover money covering the earliest weeks first, and monthly funding caps work on them too.

• A simpler goal dialog. Frequencies are a clean card grid, each behavior explains itself in a sentence, and a live summary spells out exactly what you're creating before you save.

• Honest statuses and a little celebration. Funded means this period's budgeting is done, Achieved means the money is actually there, and a reached goal now celebrates on the card without hiding what the goal is.

• Check your existing goals. Everything migrates automatically, but with the new behaviors available, some of your goals may now have a shape that matches your intent better than what existed when you created them.

→ Goals (fully rewritten, with worked examples and an FAQ)

📊 Budget

• New: one Underbudgeted action that fixes everything short. It covers overspending, funds goal asks, and tops up categories with an upcoming bill, in one Ready-to-Budget-constrained pass, with a preview grouped by reason. It's honest when money runs out: partially funded and skipped rows are shown, not hidden. Also available from the command palette.

• Upcoming bills count every occurrence. A bill that fires twice in a month now counts twice in the yellow "short for upcoming" math, and scheduled transfers to tracking accounts or loans count too when they carry a category.

• The previous month shows its real Ready to Budget. Last month's number no longer hides what folded forward, so budgeting in the past finally adds up.

• "Unhide all" on partially hidden groups, one click to bring a group's hidden categories back.

→ Budgets & categories

🏦 Loans

• New: reconcile a loan. Enter the real balance from your lender and Zerosum records the adjustment as a proper loan entry, undoable like everything else.

🛠️ Polish & Fixes

• A faster app across the board. The main budget payload is a fraction of its former size, credit-card-heavy budgets compute smoother, and merging many payees is dramatically faster.

• File imports got smarter. Re-importing the same QIF/CSV no longer duplicates rows, deleted rows stay deleted on re-import, and imported transactions keep the bank's cleared status.

• TWD and HUF display without decimals, matching how those currencies are used.

• CSV exports of split children carry the parent's cleared status.

• Reconciling closes its dialog on success, accepts a genuine $0.00 balance, and the mobile reconcile sheet's actions are easier to reach.

Thank you for being here. ❤️

A release of sharper budgeting and quieter polish: a clearer credit-card payment panel, a quick way to cover overspending, quick-add on the calendar, smarter weekly and biweekly goals, and colors for your category groups in Analytics. Your view and display settings now follow you across devices, dark mode gets a refresh, and there's a long list of fixes.

🧾 Transactions

• New: create a category right from a transaction. Type a name the picker doesn't recognize, choose Create, pick the group it belongs to in a quick second step, and it's saved and selected without leaving the transaction. This mirrors the create-a-payee-on-the-fly flow on every entry surface.
• New: a default cleared status per account. Each account can now start new transactions as Cleared, Uncleared, or following your account-wide default, set from the edit-account dialog. A transfer landing in such an account arrives cleared too, and so do its scheduled and recurring entries. Handy for a cash or wallet account where entries settle the moment you record them.
• Your hand-picked category stays put. Choosing a category by hand and then a payee no longer lets the payee overwrite it. Auto-filled categories (for example on a synced pending transaction) still follow the payee.
• Reconciling can be undone, and you can reconcile to $0.00. A reconcile, including one that creates a balance adjustment, now lands on the undo stack, and the Enter Bank Balance step accepts a genuine zero balance on both desktop and the mobile numpad.
• A clearer cue when transactions need review. The All Transactions item in the sidebar shows a pending-review badge totaling everything across your accounts, with the same badge treatment everywhere it appears.
• Split transactions read correctly in the budget activity popover. A split there used to say "Needs category"; it now shows "Split (N categories)" and expands to its legs, each with a "Split leg" badge that's now consistent on the Upcoming and Pending cards and in analytics drill-downs.
• Search by group name in every picker and filter. Typing a category group's name now surfaces its categories in the bulk-categorize picker and the analytics and transaction filters, matching what the row picker already did.
• Prefilled fields select their text when you focus them, everywhere. Click into a category, payee, account, or group picker, or an amount field, and the value is selected so you can just type to replace it (including the move-money and Ready-to-Budget popovers, which previously missed it).

→ Transactions

📊 Budget

• New: cover overspending without leaving the budget (mobile). A red banner under the Ready-to-Assign card flags overspent categories, for example "5 categories overspent, $909.79 over." Tap it to open a Cover overspending sheet, most-overspent first, and budget or move money to each one right there, watching them drop off as you go. On desktop, the Overspent filter chip's count turns solid red so problems stand out.
• Do quick math in amount fields. Pressing +, -, *, /, or parentheses while editing an amount now continues the calculation (50 becomes 50+10 = 60) instead of wiping the value, across the budget assign cell, move-money, transaction and split rows, and the loan dialogs.
• Accurate next-month coverage when you snooze a goal. Partly funding a category for next month and then snoozing its goal no longer inflates the Plan Ahead coverage past 100% or falsely reads "Fully prepared." Snoozed-goal categories drop out of both sides of the calculation.
• Negative months show correctly in the budgeting trend sparkline. A month where you budgeted a negative amount now hangs downward from a zero line in red, sized to match positive months, instead of collapsing into a tiny nub.

→ Budgets & categories

💳 Credit Cards

• A clearer payment panel. When a card needs more funding, the side panel now spells out exactly why, splitting the amount into what you overspent this month and what carried over from before, so the math always reconciles. The balance and funding sections are broken out line by line, the activity popover focuses purely on activity, and the warning color is now a softer amber.

→ Credit cards

🗓️ Calendar

• New: quick-add a transaction straight from a day, plus a resizable day panel. The day-detail panel now collapses to a slim rail and drag-resizes like the budget side panel, remembering its width per device. A new "+" on a day starts a transaction prefilled with that date: the inline add row on desktop, the add drawer on mobile.

- Future recurring splits and transfers now show in full. Projected occurrences of split and split-with-transfer recurring transactions no longer lose their split legs and transfer counterparts in later months.

🎯 Goals

• New: pick weekly and biweekly goals by day of the week. Instead of choosing a calendar start date, you now pick a weekday (and, for biweekly, the first or second week), and the goal anchors itself sensibly. The first month always counts from the start of the month, so a biweekly goal created mid-month no longer hides part of its rhythm. Goal cards now spell out the cadence, for example "Every other Friday, second week, since Mar 2026."

→ Goals

📈 Analytics

• New: pick a color for a category group. Choose a color in the group create or edit dialog and the Spending by category and Spending trends charts will use it. Groups you leave uncolored keep their automatic palette color.
• The by-tag report adds up correctly. Refunds tagged like the original expense now net against that tag's total, matching the by-category and by-payee reports. Each tag also counts the full transaction amount rather than a divided share, so a tag's total matches the transactions in its drill-down. (One consequence: a transaction with several tags is counted in full under each, so the by-tag grand total can exceed your real spending.)
• Clearer Monthly Net vs Net Income. The Monthly Net widget now labels its sub-figures Inflow and Outflow (gross cash movement), and tooltips plus a new help section explain why a cash-flow number and a category-based income statement only line up in the simplest case.

→ Analytics

🎨 Look & Feel

• Your appearance and view settings now follow you across devices. Display density, transaction view toggles, and your theme are saved to your account instead of per-device, so they're the same wherever you sign in. Analytics and overview filters are remembered per budget (and a bug where transaction filters bled between budgets is fixed), with a new "Customize for this account" switch for per-account transaction views.
• A refreshed dark mode. The dark theme moves to a cleaner, cool blue-slate palette with clearer separation between the sidebar, page, and cards, richer overspend red and positive green that match their progress bars, and proper depth on popovers and menus. Light mode is essentially unchanged.

🛠️ Polish & Fixes

• Much higher amount limits. You can now enter and store amounts well beyond the old ceiling, so very large balances and aggregate goals are no longer capped, while aggregate sums like net worth stay precise.
• Accurate free-trial description. The marketing FAQ now correctly says the 21-day trial gives full Pro access (automatic bank sync, shared budgets, and unlimited budgets, accounts, goals, and analytics), with no credit card required.

Thank you for being here. ❤️

This release gives Zerosum a new look — a new typeface, nine color themes, and a rebuilt dark mode — adds a Retirement Projection to your planning tools, and tracks down the slowdowns and "timeout" errors some of you hit under load. Plus a smarter split editor, hide-able category groups, and a long list of fixes.

🎨 A Fresh Look

The big one. The whole app got a visual refresh.

• A new typeface. Figtree replaces Inter across the app, with a tuned type scale and a readability bump on mobile.
• Nine color themes. Pick the accent that's yours: Indigo, Teal, Cobalt, Violet, Blush, Raspberry, Slate, Sand, and Graphite. Choose it in Settings → Appearance and the app re-skins instantly, light or dark.
• Dark mode, rebuilt. A calmer "recessed" look where the sidebar sits below your content and cards float above it, with button labels tuned to stay crisp and readable on every theme.

→ Settings

📈 Plan Your Retirement

• New: Retirement Projection. A Planning › Retirement view that grows your current net worth by your monthly contributions, compounded at an expected annual return, from your age today to your target retirement age, then estimates the income that nest egg could safely provide.
• Pin multiple scenarios. Add it to your dashboard as a widget, more than once, to compare plans side by side, for example "retire at 65" against "retire at 70."

→ Analytics

🧾 Transactions

• A smarter split editor. An un-typed split line now shows its auto-balanced share as a real, editable value, so the last line is never "stuck." A new Distribute control spreads leftover tax, a discount, or a credit across the lines, proportionally or evenly, to the penny. And split lines inherit the parent transaction's payee until you change them.
• Sort by note (now fixed) and sort by account (new), on both desktop and mobile.
• The mobile numpad replaces instead of appends. Open a $15.50 transaction, tap a digit, and it starts fresh, instead of tacking onto the old amount.
• Fixed fast taps getting dropped on the mobile numpad, where quick or repeated presses sometimes didn't register.
• Cancel now means cancel on a For Review transaction, discarding staged edits instead of leaving them on the row.

→ Transactions

📊 Budget

• Hide and unhide entire category groups. The group's hidden state is now also kept when you import from YNAB.

- Add Group moved into the table header, freeing up room in the toolbar for an action you rarely repeat after setup.

→ Budgets & categories · Credit cards

🏦 Bank Sync

• New per-account "Import pending" toggle. Turn it off for an account to import only posted transactions, avoiding the duplicate and ghost entries that pending bank holds can leave behind.

→ Bank Sync

⚡ Faster & More Reliable

• Smoother mobile budget scrolling.
• Faster credit-card and budget math on big budgets with years of history.

Thank you for being here. ❤️

This release lets you budget months ahead the way YNAB does, personalize every budget, account, and loan with your own colors and emoji. Plus a noticeably faster budget page and a long list of fixes.

🗓️ Budget Further Ahead

The big one. Two ways to plan beyond this month, validated by feedback from both camps.

• New: "Plan future months fresh." A per-budget setting. When on, budgeting a month ahead asks for the full target amount instead of quietly assuming this month's leftovers carry over, the YNAB way, where the extra only shows as over-budgeted once that month actually arrives. Existing budgets keep their current behavior; new budgets start fresh. You choose, in Budget settings.
• Auto-budget funds the soonest paydays first. When money's tight, "fund goal targets" now spreads what you have across the nearest due date of every goal — paycheck-to-paycheck friendly. When you can fully fund, nothing changes.

→ Budgets & categories · Goals

🎨 Make It Yours

• Give each budget its own color and icon — shown in the budget switcher, even when the sidebar is collapsed.
• Per-account emoji icons — pick an emoji for any account and it shows everywhere the account does: sidebar, accounts page, headers.
• Loans get emoji too, alongside a cleaner, tabbed loan edit dialog.
• Customize your sidebar — reorder and hide menu items, reorder the Menu and Accounts sections, and switch on a compact density. Saved per budget and synced across devices.

🧾 Transactions

• Faster splits. Split the total evenly across every line in one click, or tap Fill remaining to drop the leftover onto an empty line so the split balances.
• Simpler filters. The include/exclude toggle is gone — just untick what you want to hide.
• Sort by note, filter by cleared / uncleared, and on mobile you now get the same sorting controls as desktop.
• Notes are visible at a glance on every transaction card, instead of hidden behind an icon.

→ Transactions

🏦 Bank Sync

• New guide for banks that shift a transaction's date between pending and posted, linked right inside the account-linking flow.

→ Bank Sync

🏦 Loans

• More accurate "reduced balance by" amounts when you make more than one payment in a month — the earliest payment covers interest first, just like a real statement reads.
• Quick math in payment fields — type +250 or -50 to adjust a payment amount.

⚡ Faster & More Readable

• The budget page is much faster. The desktop and mobile budget tables now render only what's on screen, so scrolling, month switching, and arrow-key navigation stay snappy even on large budgets.
• A more readable calendar — entry names use the full cell width instead of truncating, with the full "name · amount" on hover.

🛠️ Polish & Fixes

• Move Money leads with the amount and keeps what you typed when you flip direction.
• Action buttons stay pinned to the bottom of dialogs instead of scrolling out of reach.
• CSV exports now include split categories and groups, with each split line exported on its own row.
• Fixed mobile taps that flashed but didn't open a transaction.
• Fixed a rare error screen and tightened up a handful of smaller rough edges.

Thank you for being here. ❤️

This release rebuilds the credit-card engine so your card numbers add up correctly — refunds, card-to-card payments, and overpayments all attribute credit the way you'd expect. Plus a redesigned Payees experience, a smarter side panel, sharper bank-sync linking, and a long list of fixes.

💳 Credit Cards, Rebuilt

The big one. We reworked how Zerosum funds credit-card spending and tracks card credit from the ground up.

• Card credit now knows where it came from. A refund you take while a card is in credit forward-funds your later spending in that category; an overpayment is treated as budgetable money, not spending coverage.
• Every line adds up. Across our full test set of real-world budgets, every credit-card payment category — activity, available, and budgeted — now reconciles cleanly.
• More accurate Ready to Budget. Because card balances feed Ready to Budget, getting card credit right makes your RTB right.

⚠️ Heads-up if you imported from YNAB

If you brought a budget over from YNAB — especially a large one with a lot of credit-card history — you may notice the available in your credit-card payment categories shift after this update, and because card balances feed Ready to Budget, your Ready to Budget may move too.

Nothing is lost. Your totals still add up to the same number — the new engine simply attributes credit-card credit more accurately than the one-time adjustment we used to apply at import time. If a card's payment category isn't showing the amount you want, just use Move Money to nudge it to where you'd like it. It's a one-time tidy-up.

→ How credit cards work in Zerosum

👥 Payees

• New: Smart Cleanup. A tiered engine finds near-duplicate and messy payees with fuzzy matching and suggests sensible renames — merge a pile of variations in a couple of clicks.

→ Manage payees

🧭 A Side Panel That Follows You

• The side panel now scopes to what you're actually looking at — your active filter or saved view — and works across multi-selections, so the totals always reflect the rows in front of you.

→ Side panel

🏦 Bank Sync — Sharper Linking

• Linking pulls in recent history right away, so a freshly connected account isn't empty while it catches up.
• Newly linked accounts get the right starting balance, walked back from your live balance so the ledger lines up.
• Smarter duplicate handling when matching imported transactions, including when a merchant name drifts between punctuation and spaces.

→ Bank Sync

🧾 Budgeting & Move Money

• See what's coming. The activity popover now lists upcoming transactions for a category alongside its history.
• A clearer Move Money flow — reordered From/To, type-and-Enter, and Ready to Budget as the sensible default.

🏦 Loans

• A loan configuration history editor, so you can correct rate/term/balance changes over the life of a loan.
• The loan ↔ category link is now optional — track a loan without forcing a linked category.

📊 Analytics

• New: exclude savings contributions from Runway, for a truer picture of how long your spending lasts.
• A batch of accuracy fixes across savings rate, period boundaries, cash flow, and spending trends.

→ Analytics

🔐 Accounts & Sign-in

• Sign in with a one-time code sent to your email — faster and more reliable than the old magic link.
• Reorder your closed accounts from a dedicated Closed tab in Manage Accounts.

→ Account security

🛠️ Polish & Fixes

• Hover to reveal the full note, payee, category, and account on a transaction row (desktop).
• Split progress updates live as you type a split amount (desktop).
• Pending review honors your Tags view option and keeps category splits intact on import.
• The reconciled badge shows precise relative time

Thank you for being here. ❤️

Splits grow up — any line in a split can now be a transfer, a credit-card payment, or a loan payment, each with its own payee, category, note, and tags. On top of that: brand-new importers for BFB and Actual Budget, a far smarter YNAB import. sharper loan forecasts, and a long list of budgeting and register polish.

✂️ Splits, Reinvented

The big one. A split is no longer just a list of category lines.

• Any split line can be a transfer or a payment. Split one transaction and send a line to another account, pay down a credit card, or make a loan payment — right alongside your normal category lines. Each line keeps its own payee, category, note, and tags.
• The other side of a split transfer is fully yours. The destination leg can be cleared, reconciled, and given its own note and tags, while the split itself stays the source of truth for the amount and shape.
• Recurring splits remember it all. Per-line transfers, notes, and tags carry through every scheduled occurrence.
• Splitting is faster. Split rows stay editable while you fill in the parent — no extra click, no greyed-out fields, on desktop and mobile.

→ Split transactions

🚚 Bring Your Whole Budget From Anywhere

• New: import from BFB (Budget-Friendly Budget). Your full history, accounts, credit cards, loans, and monthly budgets come across in a guided wizard.
• New: import from Actual Budget — splits and transfers included, reconstructed as real transactions, balances exact to the penny.
• A dramatically smarter YNAB import. Broken and one-sided transfers are now reconstructed instead of vanishing, loan redraws import in the right direction, duplicate starting balances are handled correctly, and budgets with duplicate category names no longer fail to import.
• Splits stay splits. Every importer now brings your split transactions in as real split families instead of flattening them into loose rows.
• Start an import from Manage Budgets, with clearer step-by-step help for each app.

→ Import from YNAB · Import from Actual Budget · Import from BFB

🏦 Sharper Loans

• More accurate payoff forecasts, including when you make more than one payment in a month.
• "% paid off" now reflects principal actually paid, not gross payments — no more bars creeping past 100% on interest-heavy loans.
• Align a loan to its true historical starting balance when bringing existing debt into Zerosum by editing it's Starting balance.
• Fixed stuck loan rows that previously couldn't be edited or deleted.

🎯 Goals

• Repeating "save by date" goals now fund through the due month, so an annual bill due June 25 spreads evenly and asks for its last slice in June, before the bill.
• Snooze is easy to find — clear Snooze / Unsnooze actions and a moon indicator replace the old hidden affordance.

→ Goals

🗓️ Budgeting Niceties

• Jump to any month with a new month picker, instead of stepping one at a time.
• Compact density view for the budget table and transactions, to fit more on screen (desktop, per-device).
• Show or hide category colors with a new appearance preference.
• Scheduled reimbursements now count. Upcoming inflows (like a partner paying their half of a bill) net against your category's upcoming spending, so you're not warned about a shortfall that's already covered.

→ Budgets & categories

🧾 Transactions & Register

• New transactions sort to the top of their day automatically — newest first, no manual reordering.
• Sorting that makes sense. Sort by Payee or Category by the label you actually see (transfers, splits, and payments group together), and search by amount — type 15.99 to find every ±15.99 transaction.
• The Scheduled section now sorts when you click a column header.
• Changing the account when addint a transaction keeps your work — valid payee and category selections survive instead of being wiped.
• Find transfers faster. Typing transfer or payment in the payee picker now surfaces the Transfers & Payments group.

→ Transactions

🛠️ Polish & Fixes

• Pasted links in notes are now clickable — drop a wishlist or shop URL and it just works.
• Money dialogs submit instantly. Type an amount and hit the button — no more clicking out of the field first (Ready to Budget, Move money, reconcile, loan payments, and more).
• Set Ready to Budget or Income for Next Month as a payee's fixed category.
• Delete an account directly (open or closed) when it has no activity beyond its starting balance — no more close-then-delete dance.
• The reconcile bank-balance field auto-focuses, so you can type the balance right away.
• Tall dropdowns stay on screen instead of running off the bottom.
• Analytics fixes — Update Preset no longer writes the wrong preset's name, long transfer labels truncate cleanly, and chart axis labels keep their precision.
• Mobile — the scheduled section no longer clips, and the cleared toggle is now a clearer two-option control.

Thank you for being here. v1.8.0 makes Zerosum faster to switch to and more precise once you're in. As always, I'd love your feedback. ❤️

This release reworks how recurring transactions are created and edited — they now stage right inside the normal add/edit editors and commit when you hit Save — plus a wave of mobile refinements, faster budget and import loads, and far steadier recovery when a new version ships.

🔁 Recurring, Built Into the Editor

• Create and edit recurring transactions right where you add them. Recurring setup now stages inside the same add/edit editors and only commits when you hit Save — no separate dialog to juggle.
• Staged edits show before you commit. The pending review card now reflects changes you've staged but not yet saved, so what you see is what you'll get.

→ Recurring transactions · Managing recurring

📱 Smoother on Mobile

• Pull to refresh. Pull down to refresh your data on mobile.
• Tooltips behave on touch. Tooltips no longer pop open on a tap, and chart tooltips dismiss when you tap away or scroll.

🛡️ Tougher Update Recovery

• Stale versions recover gracefully. When a newer build has shipped, the app now recovers at the point of use — and at the error boundary for Safari's dead-end case — with no surprise reload on focus and no error flash.

🛠️ Polish & Fixes

• A fresh icon set. Migrated to Phosphor icons across the app, with budget popover and goal polish along the way.
• Redesigned money-change toast with a smooth rolling-number animation.
• Calendar loading skeletons for the grid, side panel, and mobile timeline.
• Editing a transaction no longer steals focus to the date field.
• Dialogs are tidier — focus rings no longer get clipped, the modal footer stays put while you scroll, modal descriptions sit tighter under the title, and radio spacing is cleaner.
• Analytics — long group-total names truncate in the Income vs Expense table.
• Sidebar theme toggle gets a proper styled tooltip.

This release brings automatic bank syncing to everyone. Connect your accounts through Lunch Flow and let transactions flow in for review — plus a big batch of register power-ups: convert between normal transactions and splits, favorite & most-used payees, per-account view options, faster manual entry, and notes that reveal on hover.

🏦 Automatic Bank Sync

• Bank Sync is now open to everyone. Connect your bank through Lunch Flow and have transactions land automatically — no more manual CSV exports for connected accounts.
• Pick exactly which accounts to link. Choose the accounts from a connection that sync into Zerosum, and unlink any of them whenever you want.
• New transactions arrive as pending. Review each one, fix up the payee or category, and approve it into your register — nothing posts behind your back.
• A sync indicator shows freshness at a glance — when each account last synced and whether anything needs your attention.
• Lunch Flow is now the single, supported way to connect a bank, replacing the older connection providers.

→ Bank Sync · Connect Lunch Flow · Pending & approve

✂️ Convert Between Transactions and Splits

• Merge transactions into a split. Select two or more transactions on the same account, payee, and date, then choose Convert to split — they fold into one split, each line keeping its own category, amount, tags, and note.
• Or split back out into normal transactions. Right-click a split parent (or open the actions sheet on mobile) and choose Convert to normal to expand it into standalone rows.
• Both directions are fully undoable and work across All Transactions and account pages, on desktop and mobile.

→ Split transactions

⭐ Favorite & Most-Used Payees

• Star the payees you reach for most. Favorites pin to the top of the payee picker on desktop and mobile, and you can star or unstar right from any payee row.
• A "Most used" section surfaces your top payees automatically, ranked by how often you've used them — no setup.
• Manage it all in Manage Payees, with a quick "★ N favorites · M payees" summary.

→ Favorites & most used

⚡ Faster Manual Entry

• Press A from anywhere to add a transaction — even when focus is on an account in the sidebar. No need to click into the grid first.
• Cmd/Ctrl + Enter saves and starts another, so you can rip through a stack of manual entries without reaching for the mouse.
• Auto-filled categories are now selected on focus — tab from Payee to Category and just type over a remembered value, no backspacing.

→ Adding transactions · Keyboard shortcuts

🎛️ Per-Account Transaction Views

• View toggles are now per-account. Turn on Running balance for your checking account without cluttering a credit card — each account remembers its own Reconciled · Scheduled · Running balance · Tags · Group-by-day settings.
• The all-accounts view keeps its global toggles, so nothing changes there.
• Settings are remembered per device.

→ Running balance

📝 Notes on Hover

• Hover an account name to peek at its note — rendered Markdown, in the sidebar, on the Accounts page, and in the transactions table.
• Hover a transaction's note marker to read it without opening the row.
• No extra clutter when there's no note — the reveal only appears when there's something to show. (Desktop.)

🎯 Choose What Auto-Budget Funds

• The Auto-Budget preview now has per-category checkboxes. Review the proposed assignments and deselect any categories you'd rather skip — only the rest get budgeted.
• The Net total and Apply count update live as you change the selection, so you always see exactly what you're about to commit.

→ Auto-budget preview

🛠️ Polish & Fixes

• Goals — repeating Save by date is stabilized. Annual targets now fund evenly across the 12 months before they're due, and a category can cover overspending and keep funding its goal in the same auto-budget pass.
• Goals — progress bars fill to 100% when a "stop at" cap is already met by carryover, instead of showing a misleading partial fill.
• Steadier date picker — consistent calendar height across months, plus arrow-key navigation across month boundaries.