u/austinmrs

The headline this release: when bank sync brings in a transaction that has posted at your bank, it counts toward your balances and budget right away — before you even approve it. Approving is now just your review, not what makes a transaction real. Anything still pending at your bank waits in its own section until you're ready for it.

🏦 Synced transactions count right away

• New: posted transactions count the moment they sync. A bank-synced or imported transaction that has posted lands in your register and updates your balances and budget immediately. A banner at the top of every budget page shows how many still need you to approve or categorize — tap it to focus on just those.
• New: a Pending at bank section. Transactions still pending at your bank — a gas-station pre-authorization, a hotel hold — wait in their own Pending at bank section and stay out of your numbers until you enter them. Enter Now, Edit, or Reject each one.

→Reviewing imported transactions · Bank Sync · Understanding account balances

🔁 See what's coming

• New: recurring forecasts in the register. Upcoming recurring transactions now show in the Scheduled section, so you can see what's on the way before it lands.

→Scheduled & recurring transactions

📊 Analytics

• New: runway counts the accounts you choose. Pick which accounts count as available funds and your runway reflects exactly that.
• Improved: a steadier savings rate. The savings boundary is consistent across income vs expense and the savings rate.

📱 Mobile

• Fixed: receipt photos. Capturing and attaching receipt photos on your phone is reliable again.

The headline this release: attach a receipt photo to any transaction. Snap it with your phone or drop in a file on desktop, and it stays with the transaction — ready for tax season, warranty claims, or splitting the bill later. Alongside it, payees stop being mandatory and every amount field learns to do math.

📸 Receipts, right on the transaction

• New: snap or attach a photo. Every transaction has a camera button in the register — click it, pick or take a photo, and it saves on the spot, no editor needed. Rows with a receipt show a small thumbnail: hover for a bigger preview, click to view it full size, replace it, or remove it.
• New: on your phone too. Tap a transaction and choose Add receipt for the native camera or photo library — or manage the photo from the transaction editor's Receipt row.
• Private by design. Photos are compressed on your device and location data (GPS) is stripped before upload. Only members of your budget can see them, through links that expire on their own.
• Not your thing? Hide the whole column with the Receipts toggle in view options, right next to Tags.

→ Transactions

👤 Payees are now optional

• Just leave it empty. A transaction no longer needs a payee — skip the field and it saves, showing "No payee" in the register. Clearing a payee you set by mistake finally works too.
• Reviews unblocked. Imported transactions approve without a payee now; the only thing that still holds one back is a missing category. The "needs a payee" banner is gone.

🧮 Type math anywhere

• Every amount field calculates. + − × ÷ with live results now works in goal targets, account balances, reconcile amounts, loan dialogs — everywhere, not just transactions.
• Minus flips the direction. Type -100 in an outflow field (or math that lands negative, like 50-70) and the amount moves to inflow. Works the other way too.
• A typed / stays a / — easier to tell from a minus in small fields, and it still divides.
• Picking Ready to Assign defaults to inflow on a fresh transaction, since that's almost always what you mean. One keystroke flips it back.

📱 Mobile

• Dialogs make room for the keyboard. Linking a bank account (and other input dialogs) now rises above the keyboard as a bottom sheet instead of hiding behind it.
• Budget table columns align to your data. Budgeted and Available size to the month's widest amount — typical months give the space back to category names, and one huge number no longer knocks a row out of line.
• Hide the Budgeted column from View options for a monitoring-first table where Available is the only number.

→ Budgets & Categories

📊 Analytics

• Spending Trends tooltips show the month's total above the category breakdown — no more mental addition.
• Drill-down headers tell the whole story: a month with a big refund now reads "22 transactions · €450.00 — includes €2,462.25 credits / refunds" instead of a confusing negative.
• Un-budgeting a month is no longer painted red in the Budgeting Trend — moving money back to Ready to Budget is routine, and now it looks that way.

🧾 Also in this release

• Open-ended savings goals show blue until they're done — a pot at 5% no longer wears the same green as one that made it.
• Fixed: Plan Ahead's "prepared" percentage counted fully-funded goals against you. Funding everything now reads 100%, not less.
• Fixed: the reconciled-edit warning only appears when an edit can actually move money — adding a note to reconciled history no longer asks twice.
• Fixed: filter presets with "Untagged" save properly instead of erroring.

Thank you for being here. ❤️

The headline this release: the budget table is rebuilt for your phone. Budgeted and Available now sit side by side in a flat, edge-to-edge table that fits nearly twice as much on screen — and tapping any Budgeted amount opens a numpad editor with quick math built in.

🧮 The budget table, rebuilt for your thumb

• New: a real two-column table. Every row shows Budgeted next to Available, with group headers doubling as column headers. Numbers align down to the pixel, and far more categories fit on screen. Goal bars and status text stay — View options can hide them for maximum density.
• New: tap Budgeted to edit it. A numpad drawer opens primed with the current amount — type to replace it, or use + − × ÷ ("$50 − $10", done). While you type, it previews what Available will become. Quick actions inside jump to Move money, Details, or a one-tap Cover / Fund goal / Budget upcoming.
• New: cover everything at once. The Cover overspending sheet now shows the total ("2 categories · $236.27 to cover") and offers Cover all from Ready to Budget — one tap, all fixed.
• Every money-move states its case. Overspent, short for upcoming, behind on a goal, or a card that isn't fully covered: the same status card now leads the move drawer, the Budgeted editor, and the category panel — and the prefilled amount always matches it.

→ Budgets & Categories · Credit Cards · Budget Goals

📥 YNAB import: targets and schedules included

• New: your targets become goals — monthly, weekly, dated, and debt targets all map to their Zerosum equivalents, due days and deadlines included.
• New: scheduled transactions come along. Repeating schedules import as real recurring series; one-offs land in Scheduled without auto-posting anything.

→ Import from YNAB

💳 Loans

• Clearer Balance Forecast: Interest saved and Projected interest now show side by side, the plan line starts at today's balance, and paid-off loans keep their history and chart.

🔁 Recurring

• Deleting a series warns you first — posted history stays, and the dialog suggests skipping the occurrence if that's what you meant. Overdue upcoming dates now read "Due", and rejecting or delaying an occurrence immediately shows the next one.

→ Scheduled & Recurring Transactions

📱 Mobile & iOS

• Connecting Lunch Flow stays in the app, returning you right where you left off. And shake-to-undo is off in the iOS app.

→ Bank Sync

🧾 Also in this release

• New: No goal / Has goal filters on the budget table, with live counts.
• Category group prefixes are now a toggle in View options — and show on mobile too.
• Fixed: text rendering — Greek and accented characters now display in the correct font weight everywhere in the app.
• ⌘Enter saves a transaction note, and the calendar no longer jumps on landing in iPhone Safari.

Thank you for being here. ❤️

The headline this release: the register's search box becomes a real query language. Type Category:, Payee:, Outflow: >= 50, On:, Is: Cleared and stack them with commas, with suggestions as you type and each piece sitting there as a removable pill. Alongside it, categories, groups, and tags take any color you like rather than the 22 we picked; you can cover this month's overspending with money you've already budgeted for a future month; and transfers and card payments finally remember which account you actually pay from. A long run of fixes sharpens imports, analytics, loans, the budget table, and how the app reads on every theme.

🔍 Search & Filters

• New: search by field, not just by text. The register's search box now understands Category:, Tag: (or Flag:), Account:, Payee:, Note:, Inflow: / Outflow: with >=, <= and =, On: / Before: / After: dates, Income: July 2026, and Is: Cleared / Uncleared / Reconciled / Unreconciled. Separate pieces with a comma and a space to stack them: Category: 🛒 Groceries, Outflow: >= 50, After: 01/07/2026, market. Values within one field widen the search; different fields narrow it. Plain text still works exactly as it always did, #tag shorthand included.
• New: suggestions as you type. On desktop the box now offers matching categories, tags, accounts and payees with their colors, amount and date comparisons, income months, and cleared states, and it understands you before you finish: type inflow > 20 and it offers Inflow of at least $20.00. Everything it inserts is guaranteed to match the exact thing you picked.
• New: each piece becomes a pill. Committed parts of your search render as removable chips, ✕ to drop one, Backspace to pop the last, so a long search stays readable instead of turning into a wall of text.
• Saved presets keep every filter now. Cleared status and the money in / money out switch were silently dropped when you saved a preset. They're saved and restored with everything else.
• Pickers match past the emoji. Typing groc now finds the 🛒 Groceries group, on desktop and mobile, without the emoji getting in the way.

→ Searching transactions · Transactions

🎨 Colors & Appearance

• New: pick any color for a category, group, or tag. The color picker keeps the 22 presets and adds a custom section with a full picker and a hex field, so a category can be exactly the shade you want. If a color would be hard to see in light or dark mode, a quiet hint says so without stopping you. On a phone, creating and editing a category now opens as a bottom sheet.

→ Budgets & Categories · Tags · Themes & Appearance

🧮 Budget

• New: cover overspending from a future month. The cover flow gains a Cover from month picker listing future months that hold budgeted money. Borrow September's Dining to fix August's Dining, or pull from any other future category, and the amount is capped at what that month actually has budgeted. One undo puts both months back.
• Only categories with money to give show up. When you cover overspending, the source list used to include every category, including empty and overspent ones, which just moved the problem somewhere else. It now lists the categories that actually have money available, plus Ready to Budget.
• New: see the transactions behind your scheduled totals. The month overview card and the category side panel told you $1,230 was leaving in 12 transactions but never which twelve. Both now list them, and tapping one opens it. The list always matches the number in the badge above it, and the category card's date reads "Next on" rather than implying it's the only one.
• New: two keyboard shortcuts. ⌘/Ctrl + ↓ / ↑ expands or collapses every category group at once, and Shift+S snoozes or unsnoozes goals on whatever you have selected, multi-select included. Both are listed in the ? shortcuts overlay.
• New: collapse your groups while reordering them. Manage budget layout and Manage accounts get Collapse all / Expand all and a chevron per group, and picking up a group folds everything to its header so you're dragging a title bar past title bars.

→ Budgets & Categories · Budget Goals · Keyboard Shortcuts · Side Panel · Credit Cards

🧾 Transactions & Register

• New: transfers and card payments remember the account you pay from. Card payments used to default to the first account in the list, usually cash, rather than the account you actually pay the card from. Each account now remembers the accounts you last moved money from, and picking "Payment: Chase CC", a transfer, or a loan payment fills the source in for you. Manage payees → the account gets a Transfer source account card where you can leave it on Recent, pin a Fixed account, or turn it off, and your remembered accounts appear in the picker's "Last used" group. It works from your first session: we read your existing transfers to seed it.
• For Next Month, everywhere you categorize. It was missing from right-click quick categorize, the mobile actions sheet, and bulk categorize even when it applied. It's offered wherever it's valid now: on inflows, from last month onward, and on $0 placeholder rows (a recurring bill you fill in later can carry the category before you know the amount). Rows it can't apply to are skipped with the usual notice instead of failing the whole batch.
• A split whose bank amount differs no longer blocks approval. When the bank's amount doesn't match the split you built, every line you wrote survives untouched and the exact difference is added as one Uncategorized line for you to place. Your per-line tags, notes, and payees keep their identity, and the amount waits in Ready to Budget as "Uncategorized activity" until you categorize it. Approving these no longer needs "a balanced split".

→ Transactions · For Next Month · Accounts & Transfers · Manage Payees

📈 Analytics

• "Exclude current month" is escapable. Turning it on could empty a view, and the only control that turns it off lived inside the chart that had just disappeared, so the setting was stuck on with no way back. The toggle now sits in the filter bar above the chart, and an emptied view offers a one-tap Include current month.
• Income vs Expense sorts by name. Rows were ordered by their total across the whole range, a column usually scrolled off screen, so rows showing nothing but dashes sat above rows showing thousands, and the order reshuffled every month. It's alphabetical now, with internal transfers below the payees.
• Chart tooltips stay on screen. A tooltip on a narrow chart flipped left and slid under the sidebar. Tooltips are now kept inside the page, and long category, payee, and group names no longer stretch them across the screen.
• Drill-downs handle long lists. Clicking into a chart with thousands of transactions no longer bogs down.

→ Analytics & Reports

💼 Accounts & Loans

• New: create a loan before it's disbursed. A loan can start at a zero balance, so you can set up a newly approved loan and transfer the proceeds in when they arrive.
• New: loans with no minimum payment. Creating a loan no longer insists on a minimum of at least $0.01. With no minimum set, the Minimum tile reads "None", the Balance Forecast drops its "minimum only" comparison instead of comparing against nothing, the What-If simulator hides the column, and nothing renders as "--".

→ Accounts & Transfers

🔐 Signing In

• New: Sign in with Apple. Apple joins Google and password sign-in on the login form and in Settings → Connected accounts. On iPhone both Apple and Google open the native sheet rather than a browser page. Unlinking Apple properly revokes it with Apple, and deleting your account does too.

→ Account Security · Settings

Thank you for being here. ❤️

This release is about getting in and getting started. You can now sign in with a password, not just a one-time code or Google, and change your account email securely when you need to. New to Zerosum? One click now builds a fully worked sample budget so you can see how everything fits together before committing your own numbers. Alongside that, your budgeting history gains a Money Moves view, undo reaches back twice as far, and a long run of fixes sharpens analytics, charts, loans, bank logos, and the budget table.

🔐 Signing In & Security

• New: sign in with a password. Password sign-in is now the default way in, alongside Google and the email code you've always been able to use. Sign-up, sign-in, and forgot-password each get their own page, new accounts still verify your email first and then set a password, and forgotten passwords have a proper reset flow. Every password is checked against known data breaches, so you can't pick one that's already been leaked.
• New: change your email securely. You can now update your account email from Settings, with a verification step to confirm the change is really you. If you've connected a bank through Lunch Flow, Zerosum asks you to disconnect it first and walks you through reconnecting.
• Two-factor is now tied to your password. Setting up and managing two-factor authentication now uses your account password, replacing the older passwordless setup.

→ Account Security · Settings · Backups & Data Exports

🌱 Getting Started

• New: start from a sample budget. From the empty state or Manage Budgets, one click builds a complete six-month sample budget, real categories, goals, and transactions, so you can explore how Zerosum works before entering your own numbers. It's clearly badged as a sample and easy to dismiss when you're ready for the real thing.

→ Get started with Zerosum · Budgets & Categories

↩️ Undo & Redo

• New: see your money moves. The History panel gains a Money Moves view, a running record of every budgeting change from the last 90 days: what you budgeted, removed, moved, or auto-budgeted. Auto-budget runs expand to show exactly which categories changed and by how much.
• Undo reaches back further. Undo and redo now remember your last 100 changes, up from 50.

→ Undo, Redo & History

🧮 Budget & Polish

• The budget table flexes to your numbers. Columns now size to the widest amount actually in the month and to each row's name, so typical budgets fit without horizontal scrolling, seven-figure balances get the room they need, and your larger-text setting is respected throughout.
• Budget it all in one move. Assigning from Ready to Budget now prefills the full available amount in the card popover and mobile drawer, so "put it all here" is a single confirmation, with partial amounts still a keystroke away.
• Tidier money-change toasts. The little confirmations that appear when you move money no longer stack up over the entry area on mobile: a new one replaces the last, you can tap to dismiss, and they clear faster on touch.
• A cleaner sidebar and a refreshed logo. The sidebar footer now shows just your name (your email is still one click away in the menu), and the Zerosum logo across the app and browser tab moves to its tile lockup.

→ Budgets & Categories

Thank you for being here. ❤️

Download it here

Small milestone: Zerosum just crossed 2,000 users.

Thank you to everyone who tried it, filed bugs, and told me what was broken.

As a thank you, first 50 people: 5PERCENTOFF —5% off your first year.
Annual plans only · new subscribers only.

21-day free trial, no card required: https://zerosum.so/

The headline this release: the app takes on whatever look suits you. Three new themes, Ink, Rosewater, and Lavender, join Midnight and Paper; a new high-contrast mode sharpens whichever one you pick for easier reading; and every last control now follows your theme instead of leaving grey patches behind. Alongside the new look, undo and redo get a proper home, with a real history sheet on your phone at last, and your scheduled and in-review transactions now show up on the calendar where you'd expect them.

🎨 Look & Feel

• New: three new themes. Ink, Rosewater, and Lavender join Midnight and Paper in Settings → Appearance. Ink is pure black and white, a crisp gallery white by day and a deep true black at night that's kind to OLED screens. Rosewater warms from a soft blush cream in light to a rich wine in dark. Lavender is a gentle violet, porcelain by day and plum after dark. Each carries its own light and dark side, so it follows the time of day with you.
• New: a high-contrast mode. An "Increase contrast" switch in Settings → Appearance deepens borders, text, and focus outlines so everything reads more clearly, and it layers on top of any theme in both light and dark. Turn it on and the setting follows you across your devices, just like your theme does.
• Every control follows your theme now. A few corners of the app used to stay grey whichever theme you chose: loading skeletons, checkboxes and switches, table-row hovers, some menus, even the theme picker on our marketing site. They all take on your theme now, in light and dark, so nothing looks out of place.

→ Themes & Appearance · Settings

↩️ Undo & Redo

• New: undo and redo on your phone. Mobile finally gets the full history. Tap the clock in the budget toolbar, or open it from the More menu, to bring up a history sheet with large Undo and Redo buttons and step back through your recent changes, the same way you already can on desktop.
• A tidier undo on desktop. Undo, Redo, and History now sit together in a soft pill at the foot of the sidebar, beside help and theme. The tooltips spell out exactly what each button will do ("Undo: Moved $30 from Groceries"), and the history list marks the next change to undo or redo and gives the row you land on a quick flash.

→ Undo, Redo & History

📅 Calendar

• Scheduled and in-review transactions now show on the calendar. A scheduled payment used to vanish from the calendar on the very day it was due, then reappear once you approved it. It stays in view the whole time now, in the day's dots, the day total, and the timeline, tinted amber while it waits for review. Early bank matches show up there too.
• Approve right from the calendar. Tap an in-review transaction on the calendar and you can approve, reject, or unlink it on the spot, without being sent back to the register and losing your place.

→ Scheduled & recurring transactions · Reviewing, matching & linking

🧾 Transactions & Register

• New: reorder what's coming up within a day. Order your scheduled transactions into the order they'll really happen, say rent before your paycheck, and the projected running balance moves with them, so you can see whether a day dips below zero before it actually does. Alt+↑ and Alt+↓ nudge a row up or down from the keyboard.
• Quicker inline editing. With a picker open in the inline editor, clicking another field now switches straight to it in one click instead of two. And clicking a particular cell of a selected row, its date, payee, category, or note, opens the editor focused right there, ready for you to type.
• The unsaved-changes guard now catches right-clicks too. With an inline transaction open and unsaved, right-clicking elsewhere used to slip past the "Save or cancel this transaction first" reminder, and could even open a menu you then couldn't dismiss. A right-click now gets the same gentle nudge as a left-click, and the reminder always sits right next to Cancel.
• Fast keyboard actions land on the right row. Arrow down to a new transaction and immediately press a shortcut like L to clear it, and the action now applies to the row you're on, not the one you just left.
• The selection bar stops hiding your last rows. With transactions selected, the floating action bar used to sit over the bottom rows with no way to scroll them clear. The register now scrolls a little further so those rows slide out from behind it. The bar also centers over the register rather than the whole screen, and on a phone it lifts above the bottom navigation and fits without clipping, even with a full set of review buttons.

→ Transactions · Keyboard shortcuts

Thank you for being here. ❤️

The headline this release: the transaction register bends to how you work. Drag columns to the width that suits you, filter down to just money in or money out, pull every transfer and card payment into one view, and open or close all your splits at once, with your choices remembered. It sits under a gentler coat of paint too: a warmer, softer light mode by default, a brand-new Paper theme if you want it, and colors recalibrated for calm and legibility in both light and dark. Alongside all that, you can reorder your budgets, set a default account for new entries, watch a loan's real payoff date take shape...

🧾 Transactions & Register

• New: resize the register's columns. Drag any column divider to the width you want, and the register remembers it separately for each place it appears, your main register, an account's register, and the side panel, on each device. Double-click a divider to snap that column back to its default.
• New: filter by money in, money out, or transfers. A new All / Inflow / Outflow switch narrows the register to just what you're after, and transfers now live in the payee filter, so you can hide a transfer from both sides at once or zero in on your card and loan payments.
• New: open or close every split at once. One control expands or collapses all your split transactions across the register, and the toolbar's display switches are gathered into a single View options menu, with Import and Export promoted to buttons of their own. Your expand-or-collapse choice carries across reloads.
• The activity popover shows the whole month. A category's activity used to cut off at the first 50 transactions and quietly drop the rest. It now lists every one for the month, upcoming included, and the header count is finally honest.
• Split lines of a transfer read correctly. A split line that moves money between accounts could show a blank payee in the register, the activity popover, analytics, and the overview cards. It now reads "Transfer to [account]" everywhere, with the transfer icon.
• A delayed scheduled entry goes back to Scheduled. Move an in-review scheduled transaction's date into the future and its button now reads "Move to Scheduled," returning it to Scheduled rather than failing with an error.

→ Transactions

💼 Accounts & Reconcile

• New: a default account for new transactions. Pick the account you reach for most and every new entry starts there, even a credit card, before you choose a payee. Choose a payee and it still switches to the account you last used with them.
• New: favorite your accounts. Star the accounts you touch often and they gather in a Favorites section at the top of every account picker, just like favorite payees.
• New: a steadier reconcile. Reconcile now keeps the running gap between your target and cleared balance in view the whole way through, so you can add, find, and clear transactions until it hits zero, or close the last difference with a single adjustment. It keeps its place if the page reloads, on desktop and mobile.

→ Accounts & Transfers · Reconciling accounts

📊 Budget

• New: put your budgets in the order you want. Drag your budgets into any order on Manage Budgets, freely mixing the ones you own with the ones shared with you, and that order follows into the Switch budget menu and the command palette. It belongs to you alone, so someone you share with can keep their own.
• Reset available covers overspending first. The money Reset available frees now goes to any overspent categories before the remainder returns to Ready to Budget, matching YNAB, so a reset never drops you into the red.

→ Budgets & categories · Multiple budgets

🎯 Goals

• Goals that read the same everywhere. Every goal now shows the exact date its money should be ready by, in place of "Week of…" or "2-week period starting…," and the card, popover, and dialog finally agree. Snooze moved to a quiet moon in the header, and the celebration when you reach a goal is a touch more understated.
• "Fill up to" is now "Refill up to." The refill goal gets a clearer name, and weekly and biweekly goals now preview exactly when they'll fund in their first month before you commit.

→ Budget goals

🏦 Loans

• See the date a loan is paid off. Loan categories now take the same monthly, weekly, and biweekly payment goals as the rest of your budget, and a new "Your plan" forecast projects the real date your balance reaches zero. The what-if simulator lets you model a one-time extra payment or a target payoff and watch the date move.
• Log interest on the real statement date. Interest entries can carry the actual statement date rather than being pinned to the 1st, removing one is a true delete at last (and works on mobile now), and a loan's history spells out where each payment went, to interest, escrow, or principal.

🔁 Payees & Import

• New: a checkup for clashing rules. When two import rules would claim the same bank text, a new Rule Conflicts checkup in Manage Payees shows which one wins and which are stuck behind it, each ready to pause or delete.
• Transfer rules you can teach and scope. Turning a reviewed transaction into a transfer now offers to remember it as a rule, the same way you teach a payee, and each account's transfer rules live right under that account. Running balances are back on in-review and scheduled rows.
• Longer payee names. Payee names can now run to 200 characters, for banks with especially wordy descriptions.

→ Manage payees · Importing transactions · Bank sync

📈 Analytics

• Refunds net out within the period. In Spending by Category, Payee, and Tag, a purchase and its refund in the same period used to cancel each other out and disappear from both the gross and credit tiles. They now count in their own right, and a category that nets to zero stays on the list to drill into.
• Income vs Expense drops the empty rows. Excluded categories, and ones with no activity in the range, no longer show up as $0 lines, so the report behaves like the rest of Analytics.
• Spending Pace counts each category once. A category that also took in income is no longer counted twice, so the pace reflects what you truly spent.
• Cleaner chart axes over long spans. Charts that cover years, a long loan or an all-time range, now label the axis by year rather than crowding in every month. Hovering still names the exact month.

→ Analytics & reports

🎨 Look & Feel

• New: a Paper theme, and a warmer light mode. The default light theme is retuned with softer, warmer neutrals and real card elevation in place of a grid of borders, and there's a new optional Paper theme, cream by day and warm graphite by night, waiting in Settings → Appearance.
• Color that's kinder to read. Category-group bands stand out clearly again in light mode, dark-mode reds are recalibrated so an alarm reads as an alarm while calm panels stay calm, and amber warning text is now dark enough to pass accessibility contrast, in both themes.

🛠️ Polish & Fixes

• Date-picker arrows cross months. Press up from the first week of a month, or down from the last, and you now move into the neighboring month rather than stopping at the edge.
• A crash on privacy-locked browsers is fixed. Browsers that block local storage outright now load the app in place of the error screen.
• A quicker start. Signing in loads noticeably less to get going, and moving between budget months does less work behind the scenes.

Thank you for being here. ❤️

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.

🏦 Bank Sync

• 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.

→ Bank sync

🧾 Transactions

• 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.

→ Transactions

💳 Credit Cards

• 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.

→ Credit cards

📊 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.

→ Budgets & categories

🎯 Goals

• 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

📈 Analytics

• 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.

→ Analytics

🔒 Privacy & Security

• 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.

→ Billing & Tax

🛠️ Polish & Fixes

• 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. ❤️

The headline this release: your tags can fill themselves in. Set a payee to carry a fixed set of tags or its most recent ones, and every transaction from that payee arrives already tagged, the same way categories have auto-filled all along. Alongside it, credit-card categories can now carry a monthly payment goal that understands the card's real balance, two new views show where a month's spending is headed, and your averages can finally leave the partial current month out of the math.

🧾 Transactions

• New: tags that fill themselves in. Each payee can now carry a tag behavior, set in Manage Payees (the tab is now "Category & Tags"): Fixed tags always applies a set you choose, Recent tags applies the ones you last used with that payee, and No tags (the default) leaves the field alone. Picking a payee, or matching one during bank sync, prefills the transaction's tags just like category autofill already does, and it never overwrites tags you set by hand. Two budget-wide switches let you turn category or tag autofill off entirely whenever you want.
• New: type the date instead of reaching for the mouse. The date field in the desktop inline row (both add and edit) is now a typeable text input in your budget's date format, so entry can be fully keyboard-driven. Focusing it still opens the calendar and previews what you type; Enter or Tab commits and moves to the next field.
• New: more keyboard shortcuts, and a guide to all of them. Move a transaction within its day with Alt+↑/↓, extend a selection with Shift+↑/↓, and press ? anytime to open a full keyboard-shortcuts overlay (also reachable from the command palette). The symbols shown match your operating system.
• New: split entries confirm like every other entry. The category-balance pop-up that appears after you save a transaction now fires for splits too, with one row per affected category. It covers creating, editing, deleting, and duplicating a split.
• Transfer notes and tags now stay in sync across both legs. A note or tag on one side of an internal transfer mirrors to the other side, in both directions, everywhere you edit. Cleared and reconciled status stays independent per leg, as before. Existing transfers catch up the next time you edit a note or tag on either side.
• Split legs show the correct cleared status. A split whose cleared or reconciled status changed after it was created used to leave its legs stale in category-filtered registers and CSV exports. Legs now always match their parent.

→ Transactions

💳 Credit Cards

• New: set a monthly payment goal on a credit card. A credit-card payment category can now carry a "pay this card down by $X a month" goal. It's aware of the card the whole way through: it counts only the money you actually budget toward the card, never asks for more than what's left to fully cover the balance, and quietly rests once the card is covered or paid off. The badge, row bar, popover, side panel, auto-budget, and calendar projection all agree, and a paid-off card gets a little celebration. Offered while the card still carries a balance.

→ Credit cards

📊 Budget

• New: a Spending Trend widget. A new side-panel section charts your gross monthly spend for whatever the panel is scoped to (one category, a selection, or your active filter), the last six completed months plus the month in progress. It sits alongside the existing Budgeting Trend widget.
• Smarter auto-budget. The history options now look back six months, there's a new "Average budgeted" option, and on a single category each option previews the exact amount it would budget. Credit-card payment categories are kept out of the averages so card payments aren't double-counted.

→ Budgets & categories

📈 Analytics

• New: leave the partial current month out of your averages. A toggle across ten average-based views trims the range to the last complete month, so a per-month average on the 6th of the month isn't skewed by a half-finished one. It's on by default for Savings Rate, Runway, and Forecast, where a partial month makes the number genuinely wrong, and off everywhere else so your existing numbers don't shift.
• New: a Cumulative Spending widget. It plots this month's spending accumulated day by day against a six-month baseline, with an over- or under-pace badge and a projected month-end total. Scope it to the whole budget, a category group, or specific categories.
• Net worth shows the dollar change, not just the percentage. The net-worth view and the Overview cards now read the amount alongside the percent, for example +$108.6K (+6.8%).
• Income Breakdown tooltips show each flow's share of income. Hover Ready to Budget → Investments & Savings to read your savings rate straight off the chart.

→ Analytics

🎨 Look & Feel

• New: adjustable font size. A font-size control in Settings → Preferences → Appearance, from 80% to 150% in 5% steps, applied live. It's saved per device, so you can run a larger size on your phone and keep the standard size on your desktop. Requested by a visually impaired user.

🛠️ Polish & Fixes

• The BFB import option has been retired. Import now offers YNAB and Actual.
• Imported payees stop false-matching your wallet. An Apple Pay or Google Pay purchase no longer gets filed under "Apple," and Smart Cleanup won't suggest merging every wallet purchase together. A genuine PayPal or Klarna charge still matches its own payee.
• Budget calculations respect your budget's timezone. Month-boundary math now resolves on your budget's day rather than the browser's or the server's, so budgeting near midnight or across timezones adds up.
• Calendar day labels do real calendar math. A date just under a year out now reads "in 11 months, 28 days" instead of the self-contradictory "in 12 months, 3 days," and the mobile calendar remembers whether you collapsed the month grid.
• Faster payee cleanup on budgets with thousands of imported payees.

Thank you for being here. ❤️

See two budget months at once, mass-edit smarter, and a faster everything. This release brings the long-requested split-month view to the budget table on desktop, sharpens the multi-select toolbar end to end, and rolls in dozens of speed and polish wins across transactions, analytics, and the sidebar.

📊 Compare Months Side by Side (Desktop)

• One-click compare. A new Compare button in the budget toolbar opens a second month-trio of columns (Budgeted / Activity / Available) right next to the current one. The category column stays shared so each row lines up across both months.
• Older on the left, newer on the right. Position is driven by chronology — pick any two months and the older one always sits first.
• Linked navigation. A Lock toggle next to the Compare button keeps both panes in step. Locked: pressing prev, next, or Today on either side moves both, preserving the offset between them. Unlocked: each pane navigates independently — perfect for arbitrary year-over-year comparisons (e.g. March 2024 vs March 2025).
• Fully editable, both sides. Every Budgeted cell is independently editable in either pane. Carryover propagates automatically — assigning in one month instantly updates the other's Available.

→ Comparing two months side by side

🎯 Multi-Select Toolbar — Redesigned

• Net summary at a glance. Selecting multiple categories now surfaces running totals — count, total Budgeted, total Activity, total Available — directly on the toolbar, with a colored net delta.
• Primary and overflow actions. The most-used bulk actions sit visible on the toolbar; secondary actions tuck into an overflow menu so the bar stays scannable on smaller screens.
• Mobile drawers. Bulk actions on mobile now open in proper drawers instead of cramped popovers — more room for category pickers, amount inputs, and tag selections.

📋 Transactions — Quicker Hands

• Default cleared status. A new preference in your account settings lets you choose whether new transactions land cleared or uncleared by default. Match the workflow of your bank, not ours.
• Row-actions menu. Click the new ⋯ menu on any transaction row to reach common actions (categorize, set payee, duplicate, delete) without opening the full edit panel.
• Mobile status entry. Toggling cleared/reconciled on mobile is now a one-tap dedicated control instead of being buried in the edit drawer.
• Split-aware calendar. The date popover on a split transaction now shows split indicators on each day, so you can see at a glance which days have splits.
• Mixed-sign splits. A split transaction can now mix positive and negative legs — making it possible to model YNAB-style gross-pay imports (paycheck + tax/deduction lines on a single transaction).

📈 Analytics — Sticky & Steady

• Filters stick where you left them. Active analytics filters are now remembered per user, per budget, per view — switch tabs or reload and your scope is preserved.
• Sticky table headers in Income vs Expense. Group rows and column headers stay pinned as you scroll long lists.
• Account filter parity with the rest of the app — closed accounts are hidden, group selections respected.
• Charts no longer re-animate after the first paint. Switching tabs, scrolling, or filtering no longer triggers a fresh roll-up.
• Softer Sankey hover. Non-hovered flows in the Sankey diagram fade just enough to highlight your selection without disappearing.

🛠️ Fixes & Polish

• Sidebar footer. Stacked layout on the left sidebar with a more prominent Undo / Redo / History cluster.
• Tag popover anchoring. The tag picker on transactions now anchors correctly to the cell it was opened from, even when the row scrolls or wraps.
• Optimistic id collisions. Duplicating a transaction and immediately creating another no longer collides on the in-flight optimistic id.

⚡ Speed (Under the Hood)

• Transactions list is significantly faster. A series of database query refactors (smaller payloads, fewer round-trips, lazy-loaded display data) make the transactions page snappier on budgets with thousands of transactions. You should feel it on first paint and on every filter change.

📚 Help center

• Comparing two months side by side — full walkthrough of the new Compare button, lock toggle, and chronology rules.
• For Next Month — added a Compare-mode tip for budgeting next month while finalizing this one.
• Getting Started — desktop tip in "Give every dollar a job" pointing at Compare.