July 13th, 2026
The headline this release: transfers can now import themselves. Teach an imported line to become a transfer between your accounts, a credit-card payment, or a loan payment, and it links up with the matching entry on the other side, whichever one lands first. Alongside it, a brand-new Start Fresh carries your whole setup into a clean budget when you want to begin again without dragging the history along. Both sit on top of a smoother review flow, refunds that finally reduce spending everywhere they should, and a fuller, more private data export.
Two logins at the same bank. Households with, say, your card and your partner's card at the same bank can now add the second login as its own connection, with a clear prompt when a wrong-username sign-in would otherwise fail silently.
New: turn pending imports off per account. The per-account "Import pending" switch now covers Plaid-linked accounts too, for accounts whose pending rows churn more than they help. Your first sync always imports pending to set the starting balance, then you can switch it off.
New: transfer import rules. Teach an import the same way you already teach payees: when the bank text matches something, treat it as a transfer with a chosen account. The row becomes a transfer, a credit-card payment, or a loan payment depending on the accounts and the amount, and it links up with the matching row on the other side within the import window, whichever side arrives first. Set rules up in Manage Payees, or just check "remember as a transfer with X" while approving a row.
Editing a matched review row now approves it. When a bank import is matched to an entry you already made, both rows stay visible and tied together, and any edit to the review row lands on your entry and folds the pair into one, with a single undo to bring them back. Adding a tag can no longer accidentally un-match the two.
Tap a plain review card on mobile to edit it. An unmatched in-review card now opens straight to the editor, where Approve lives, instead of the action sheet, so adding a category and approving is one tap. Matched, split, and transfer rows still open the sheet with their extra options.
Jump to a transfer's other leg from its payee. Clicking a transfer's payee now takes you to the other account with the paired transaction highlighted, and the back button brings you right home.
Split lines keep the order you entered them. Reopening a split no longer shuffles or reverses its line items, which matters most for an item and its discount.
Make Payment defaults to the cleared balance. The suggested payment amount now uses your card's posted balance rather than the working balance, so it won't propose more than issuers like Fidelity will accept. An underfunded payment category still proposes only what you've budgeted.
Category overspending on a card now shows as a warning. Overspending a spending category tied to a credit card turns that card's Payment available amber, so you can see the card isn't fully ready to pay while the spending category tells you where to fix it. A funded goal no longer hides it.
Scheduled card payments now show in the budget. If you schedule payments to a credit card faster than they come due, the payment category now lists the upcoming amount, turns amber with a clock when it outruns what's set aside, and offers to cover it from Ready to Budget.
New: Start Fresh. Carry your whole setup into a clean budget without the history. Your category groups, goals, accounts (each opening at its current balance), payees and their rules, tags, scheduled and recurring transactions, and dashboards all come across; past transactions and old budgeted amounts stay behind. The fresh budget keeps the name and becomes your default, and the original is archived fully intact, so nothing is lost. Connected accounts come across as manual for now. Owner-only.
Underbudgeted funds by due date. When Ready to Budget is short, the one-tap Underbudgeted action now funds whatever is due soonest first, so a mortgage due on the 1st is covered before Spotify on the 28th and before insurance that isn't due for ten months. When there's plenty to budget, nothing about the result changes.
Mobile move-money matches the desktop flow. Budgeting on mobile now uses the same From and To flow as the desktop popover, with Ready to Budget pinned at the top and a live preview as you move money, so your remaining headroom stays on screen the whole time.
Clearer group rows. Category-group headers and the sticky column header now stand out more distinctly from the categories beneath them, in both light and dark.
Yearly goals keep their exact due date. A yearly or repeating by-date goal now remembers the real date you picked instead of snapping to the end of the month, so a bill due July 5 and one due July 31 show honest deadlines and get the right priority when Ready to Budget is scarce. The monthly amount each one asks for is unchanged.
→ Goals
Refunds and reimbursements now reduce spending everywhere. A refund used to inflate a spending number in most reports. It now nets against spending across breakdowns, trends, cumulative spending, period and year comparisons, heatmaps, runway, the overview metrics, dashboard widgets, and Average Spent auto-budgeting. Category, payee, and tag groups that net out to a credit stay visible, and Income Ratio's "Both" direction is now labeled "Net."
More readable charts. The net-worth chart is rebuilt as side-by-side asset and debt bars with a high-contrast net line, axis labels and gridlines are tuned for legibility in both themes, and every chart now uses more of the space it's given.
Delete your account and get unused time back. Deleting your account now issues a prorated refund for the unused part of your current billing period and tidies up your billing record, on top of cancelling the subscription. Deletion is never blocked if the refund step runs into trouble.
File imports handle real-world files. An OFX file with an "&" in a payee name, or a few other common quirks, used to import only the rows before it and then stop without a word. The parser now reads the whole file. Amounts import at the right scale for every currency, comma decimals and trailing-minus signs are understood, and re-importing the same file no longer duplicates rows. File imports also match your existing manual entries within a 10-day window.
A recurring-transaction skip is fixed. A recurring transaction set to move weekend dates to the following Monday could skip a month when you pressed "Enter now." The schedule now advances on the date the transaction actually posts, so nothing gets lost.
App windows refresh when you come back to them. Edits made on another device now appear when you refocus a standalone app window on macOS or iOS, instead of waiting for a manual reload.
Grandfathered prices display correctly. If you're on an older plan price, the Subscription page now shows your actual price instead of the current one.
Type shorthand dates. Desktop date fields now accept a month and day with the year filled in, plus two-digit years, in whatever date format your budget uses.
Reconcile from the keyboard. Press e on an account register to open Reconcile, then Tab and Enter your way through it.
Help, feedback, and these notes now live in the app. The Help button in the sidebar opens chat, help articles, and the changelog in one place, and the separate product-update emails are retired in favor of in-app updates. The help center itself has moved to help.zerosum.so.
Thank you for being here. ❤️