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. ❤️