This is one of our biggest releases yet: automatic budget backups, two-factor authentication, bulk payee editing, markdown notes, deeper analytics, and a much faster transaction workflow. A lot changed under the hood too, but the important part is simple: Zerosum is safer, smoother, and better at helping you move quickly through real budgeting work.

🛟 Automatic Backups & Budget Recovery

• Automatic budget backups are here. Zerosum now keeps recent server-side backups for budgets you own.
• Restore without overwriting. Restoring a backup creates a separate budget copy, so you can inspect it before deciding what to keep.
• Duplicate full budgets more reliably. Budget copies now preserve transactions, assignments, notes, goals, splits, transfers, recurring templates, presets, dashboards, and related data.
• Manage Budgets has a new home. Rename, duplicate, delete, leave, download, and restore owned budgets from one clearer place.
• Data exports now run in the background. Request an export from Settings and Zerosum emails you when it is ready.

→ Backups & Data Exports · Multiple Budgets

🔐 Two-Factor Authentication

• Protect your Zerosum account with 2FA. Add an authenticator app code after sign-in for an extra layer of security.
• Backup codes are included. Save one-time recovery codes in case you lose access to your authenticator app.
• Trust this browser for 30 days. Skip the extra code on devices you control.
• Security changes require a fresh check. Disabling 2FA or generating new backup codes asks for a new verification code first.
• Manage active sessions. See where you’re signed in and revoke browsers or devices you no longer use.

→ Account Security · Settings

🏷️ Bulk Payee Editing

• Change payees in bulk. Select multiple transactions and update the payee once instead of editing each row by hand.
• Works on saved and pending transactions. Use it from regular transaction tables or while reviewing pending imports.
• Available across desktop and mobile. Selection bars, row menus, right-click menus, mobile action sheets, and the P shortcut all support payee editing.

→ Transactions · Keyboard Shortcuts

⌨️ Faster Transaction Workflow

• Keyboard navigation is much better. Arrow through rows, press Enter to edit, Shift+Enter to save or approve, Escape to back out, and Home/End to jump through a table.
• Split transactions are easier to work with. Filtered split legs can appear as focused rows, split-child tags are editable, and mobile shows linked split details more clearly.
• Starting Balance is now easier to choose. Starting Balance appears as a system payee option where it makes sense.

→ Transactions · Tags

📊 Deeper Analytics

• Category-group drilldowns. Spending by Category and Spending Trends can now start at the group level, then drill into the categories inside a group.
• Smarter dashboard widgets. Category widgets can use grouped categories, flattened categories, or a pinned category group.
• Forecast account filters. Narrow the forecast to the accounts you want to inspect.
• Cleaner transfer and payment filtering. Analytics payee filters now understand internal transfers and payments, so reports are easier to clean up without hiding whole accounts.

→ Analytics help-center article

📝 Markdown Notes

• Notes now support Markdown. Use simple formatting in account notes, loan notes, category notes, monthly category notes, and month notes.
• Longer notes. Shared note fields now support up to 5,000 characters.
• Cleaner note previews. Account and loan notes now open in a proper popover instead of a cramped tooltip.

🔎 Polish & Reliability

• Pickers feel more consistent. Account, category, payee, tag, preset, widget, analytics, and budget settings selectors now behave more alike across desktop and mobile.
• Calendar days are easier to read. Repeated transaction labels are grouped with an xN count, and desktop day details keep context visible while the list scrolls.
• OFX/QFX installment imports no longer collapse into one row when banks reuse the same transaction ID.