u/austinmrs

Your accounts now stay with you when you collapse the sidebar. They follow the way you've folded them, with your review badges in view. Alongside it: choose which budgets send you notifications, including ones shared with you; analytics that compare the same days and give your charts more room; and recurring edits that keep this month's bill in this month.

🧭 A sidebar that keeps your accounts

• New: your accounts in the collapsed sidebar. Collapsing the sidebar on a computer no longer hides your accounts. Each one shows as its image, logo, emoji or initial, with its sync and review badges. Hover over one, or Tab to it, to see its name and balance, and right-click it for the same actions as before.
• New: folded stays folded. Sections and account groups you fold in the full sidebar fold in the collapsed one too, as a single tile showing their first accounts and how many transactions are waiting for review. Click the tile, or the icon on a section's divider, to unfold it.
• Favorites appear once. While Favorites is open, your favorite accounts sit at the top and aren't repeated below. Fold Favorites and they go back to their own sections.
• Manage payees and Manage tags are back in the budget menu. The command palette (Cmd/Ctrl + K) also opens them directly, along with Accounts, All Transactions and Bank Sync.

→ Keyboard Shortcuts

🔔 Notifications for the budgets you choose

• New: choose which budgets send you review notifications. Settings → Privacy and device → Notifications has a switch for every budget you own or were invited to, and your choices are the same on all your devices. Budgets you own start on; budgets shared with you start off, so your partner can now turn on notifications for your joint budget. Each person chooses for themselves.
• Improved: notifications name your budgets. When more than one budget notifies you, the notification lists each one with how many transactions are waiting there.

→ Settings

📊 Analytics that compare like with like

• Changed: Period Comparison compares the same days. Early in the month, it now compares this month so far with the same days of last month (Oct 1–11 against Sep 1–11), just like the Overview's Spent This Month. Prefer the whole month? Choose All of last month under Compare spending with in the widget's settings.
• Improved: one View button per chart. Grouping, chart style, visibility and the forecast horizon moved into a compact View button at the right of each chart's header, so the chart gets the room. On your phone it opens as a sheet. To customize the analytics bar, use the cog next to New dashboard in More.
• Improved: more of Income Breakdown opens transactions. Expense groups and categories now open the transactions behind them, like income sources already did, with refunds, split lines and pending bank rows counted correctly. The details that sat below the chart are now under View → List.
• Changed: Exclude current month keeps the whole range. Last 3, 6 and 12 Months with Exclude current month now cover that many complete months, so Last 6 Months matches your budget's 6-month average. A new budget averages over the months it has.
• Improved: your chart choices stick. These now survive a reload:
  • Year over Year's Spending, Income or Net;
  • what Income Breakdown shows;
  • the phone Income vs Expense's Month, Average or Total, and its In & out, Net or Rate chart.

→ Analytics & Reports

🔁 Recurring edits that keep this month

• Fixed: changing the day could skip a month. Moving a monthly bill from the 15th to the 10th now makes the next one Nov 10 instead of Dec 10, unless Nov 10 has already passed. Weekly and yearly series work the same way.
• New: see the next occurrence before you save. When you edit a series, Next occurrence updates as you change its schedule.
• Fixed: moving an occurrence past the series' end date. The series now ends and keeps that transaction as a one-off, instead of leaving it impossible to edit or delete. Undo brings the series back.

→ Scheduled & recurring transactions

🧮 Smaller things

• Fixed: arrowing through scheduled transactions in a register no longer jumps the page to the top. It scrolls only when your selection reaches the edge.

→ Bank Sync

As always, thank you for the feedback that shaped this one. 💙

Zerosum now opens where you want it to. Choose the page Zerosum opens on and the tabs on your phone's bottom bar. Alongside it: two new Overview widgets, one-tap review on your phone, filters that stay with each register, and a fix for scheduled transfers.

🏠 Your home page, your tab bar

• New: choose your home page. Budget, Calendar, Accounts, All Transactions, Overview, or Analytics. Zerosum opens there when you launch it or sign in, and when you switch budgets. Set it in Settings → Preferences → Home page.
• New: customize your phone's tab bar. Your home page comes first and More stays last. In between, pick up to three tabs and drag them into order from Settings → Preferences → Mobile tab bar → Customize. It replaces the Mobile dock shortcut, and your bar stays as it is until you change it.
• The + Transaction button follows you home. On your phone, it now also shows on your home page.

→ Settings

📊 More from your Overview

• New: Category Watch. Your favorite categories with the same progress bars and status as your budget. Tap one to open it in the budget. It's part of the default layout; if you've customized yours, add it from Add Widget.
• New: Accounts widget. Your cash accounts and credit cards with totals, plus whether each card's payment is covered. Add it from Add Widget.
• Improved: a fair spending comparison. Spent This Month now compares with the same point last month, so early in the month it no longer looks like a big drop. Prefer the old way? Choose All of last month under Compare spending with in the Snapshot's settings.
• New: see which bills aren't covered. Upcoming marks scheduled transactions whose category can't cover them as Not covered, and totals what's going out and coming in.
• Attention chips open the budget filtered. The overspent and underbudgeted chips open your budget with that filter on, so the categories that need you are right there.

→ Overview Page

✅ Review faster on your phone

• New: one-tap Approve. Review cards are a single row with an Approve button. Swipe right to approve or left to reject.
• Simpler Pending at bank. No more buttons on each row: tap to open, swipe right to enter it now, or swipe left to reject.

→ Reviewing transactions

🔍 Registers that remember

• New: filters stay with each register. Every account and All Transactions keep their own search, filters, and preset on this device.
• Changed: To Review has its own filters. Leave it with Done and your register's filters come back.
• Your forecast window syncs. How far ahead forecasts show now follows you across devices, in the register and on the Overview's Upcoming card.
• Fixed: Tab past an empty payee. In All Transactions, Tab now moves on to the category instead of bouncing back.
• Fixed: rejecting a scheduled transfer removes both sides. No more leftover half asking for a category.

→ Transactions

As always, thank you for the feedback that shaped this one. 💙

Zerosum has a fresh look. Text and colors are easier to read in every theme, and the budget table is tidier. Alongside it: Auto Budget now lives in your side panel, you get a heads-up before a bank connection needs attention, and a round of fixes.

🎨 A clearer, calmer look

• Easier to read in every theme. Stronger contrast in light, dark, and high contrast across all 17 themes. Small text now follows your Font size setting too.
• A tidier budget table. Each group sits on its own card, checkboxes line up on the left, and category names get more room.
• A calmer register. Spending now shows in regular text instead of red, so red only means something needs your attention. Income stays green.
• Needs attention on your Overview. A bar under the header links straight to transactions to review, overspent categories, and goals to fund.
• Dark sidebar on by default in light mode. Prefer it light? Turn off Dark sidebar in Appearance settings.

→ Themes & Appearance

🪄 Auto Budget, right in your side panel

• New: Auto Budget section. Fill underbudgeted categories, cover overspending, or reduce overbudgeting from the side panel, with a preview of your Ready to Budget before you apply. Collapse it or move it like any other section. It replaces the Auto Budget menu.
• Hidden categories no longer ask for money. Goals and scheduled amounts on hidden categories stay out of Auto Budget and funding totals. Unhide a category to bring them back.

→ Side Panel

🏦 Reconnect before your bank disconnects

• New: an early warning for Plaid connections. When a bank plans to end a connection, for example during a bank migration, we email you about a week ahead and Bank Sync shows Reconnect soon with a Reconnect button. Reconnecting keeps all your linked accounts.

→ Bank Sync

✏️ Faster filters and editing

• New: show only what you picked. Filter pickers have an All checkbox and a Show selected / Show unselected chip, replacing Select all and Select none.
• Fixed: math on the mobile keypad. 10 + 10 on an outflow is now 20, and going below zero flips the direction.
• Changed: splits live in the editor. Convert to split and Convert to normal are gone. Add or remove split lines in the transaction editor instead. This feature was rarely used and it was not worth the complexity in the app.

→ Transactions

As always, thank you for the feedback that shaped this one. 💙

This release is about knowing where your money comes from. You can now label income by source, set money aside for next month without the guesswork, and import almost any bank file without setting it up twice. Plus tags on your dashboard, a new theme, and a round of budget and credit card polish.

💵 Income categories

• New: label income by source. Salary, Freelance, Interest, whatever fits. Create one right from the category picker on any inflow, or from the budget menu under Manage Income Categories. The money still lands in Ready to Budget exactly as before, so nothing about your budget changes.
• New: income reports by category. Income Flow and Income Breakdown can switch between Payees and Categories, so you can see how much each source brought in.
• Works with your rules. Payee rules, bank sync, and recurring transactions can all use an income category. Archive one when you stop using it and its history stays put.

→ Budgets & Categories · Analytics & Reports

📅 Setting money aside, made simple

• Improved: one clear flow. The Ready to Budget card now names the month the money is going to, shows how much is already set aside, and opens straight to the amount. "Set aside everything" and "Release it all" are one tap each.
• New: take it back in one tap. If a month ends up over-budgeted, the fix offers "Take $210.00 back from October" instead of making you hunt for where the money went.

→ For Next Month

📥 Imports that read any file

• New: set up once per account. Zerosum remembers how you mapped the columns for each account, so the next file from that bank is ready to import.
• Improved: messy files welcome. Files with no header row, account details above the table, semicolons, spelled-out dates, or separate debit and credit markers now import cleanly.

→ Importing Transactions

🏷️ Tags on your dashboard

• New: Spending by Tag widget, and the Monthly Tracker can now follow a tag. Handy for trips, projects, or anything that cuts across categories.

🎨 Plum, and a theme for the dark

• New: Plum theme, plus the option to pick a separate theme for dark mode. One look by day, another at night.

→ Themes & Appearance

✨ Smaller things

• Upcoming transactions in the register moved into View options, with new 7 and 15 day ranges.
• The To Review view always shows everything waiting for you, even with filters on.
• Category pickers now find categories by their group name.
• Same-day transactions line up with the running balance, and each device remembers the budget you last opened on it.

→ Transactions

As always, thank you for the feedback that shaped this one. Keep it coming. 💙

Hey everyone,

Quick one for the Australian and New Zealand budgeters who have been asking about bank sync.

We have partnered with Redbark, a bank syncing service for Australian and New Zealand banks (CommBank, Westpac, ANZ, NAB, Macquarie, Bankwest and more through Open Banking, NZ banks through Akahu). Redbark speaks SimpleFIN, and Zerosum lets you bring your own SimpleFIN provider on Plus and Pro, so the two just work together.

The deal: Redbark has set up a dedicated Zerosum plan at A$12 a month. SimpleFIN on Redbark normally needs their A$16 Developer tier, so that is 25% off. It is applied automatically the moment you connect through Zerosum. No code, no link, nothing to enter. It stays on for as long as the connection keeps syncing.

How to set it up:

1. Start a Redbark trial (seven days, no card) and connect your bank.
2. In Redbark, go to Settings, then API & MCP, and generate a SimpleFIN setup token.
3. In Zerosum, open Bank Sync, choose Connect SimpleFIN, and paste the token.
4. Link each bank account to a Zerosum account. New transactions land in review every six hours and wait for your approval, like every other import.

You need Zerosum Plus ($50/year) or Pro. Basic stays manual. Redbark is billed by Redbark directly.

Everything, including the FAQ, is on the new page: https://zerosumapp.com/redbark Setup guide: https://help.zerosumapp.com/en/articles/3534953-bring-your-own-provider

Thanks to Oscar at Redbark for making this happen. If you hit anything odd during setup, reply here or email support@zerosumapp.com and I will sort it out.

Pedro

Zerosum has a new address: zerosumapp.com. The app now lives at my.zerosumapp.com, iOS 1.1.11 is on the App Store, and every old link redirects. Alongside the move: favorite categories, an expected income line that shows what is left after your monthly targets, bank sync for loan balances, and a Redbark partnership that brings Australian and New Zealand banks to bring-your-own sync with 30% off.

🌐 Zerosum moves to zerosumapp.com

• Same app, same account, new address. Sign in at my.zerosumapp.com with the account you already have. Budgets, sync connections and subscriptions are untouched, and old zerosum.so links redirect to their new homes.
• Installed Zerosum to your home screen or desktop? Remove that install and add it again from my.zerosumapp.com. The old address will eventually only redirect, and an install pinned to it would stop opening.
• iOS 1.1.11 is out. Update from the App Store.
• Emails now come from noreply@zerosumapp.com. Add it to your safe senders if you filter mail.

→ Install Zerosum

🐕 Redbark: Australian and NZ banks, 30% off

• New partner for bring-your-own sync. Redbark speaks SimpleFIN natively and connects Australian banks through Open Banking, New Zealand banks through Akahu, and US banks through Plaid. Paste its setup token into Zerosum's "Your own provider" option and sync runs with the same review, matching and duplicate protection as every other connection.
• 30% off, automatically. Connect Redbark through Zerosum and a 30% discount is applied to your Redbark plan. Nothing to enter.

→ Bring your own provider

⭐ Favorite categories

• New: star the categories you use most. A star in the category picker, the row's right-click menu or the category details panel marks it as a favorite, just like favorite payees and accounts.
• Favorites lead the picker in every transaction editor, and a pinned Favorites group sits at the top of the budget table with its own totals. Categories stay in their real groups too, so nothing else moves. Turn the group off under View in the budget options if you only want the picker shortcut.

→ Budgets & Categories

💰 Expected income against your targets

• New: tell Zerosum what you expect to earn each month. The Monthly goals card in Month Overview shows Expected income, minus your monthly targets, with a coverage bar and what is left after targets. A shortfall note appears when targets add up to more than you bring in.
• Set once, applies every month. Edit it inline on desktop or with the numpad on mobile.

→ Budget Goals

🏦 Bank sync for loans

• New: connect a bank to a loan account. Plaid, Lunch Flow and SimpleFIN connections can attach to a Zerosum loan account and keep its bank balance current for Reconcile, while Zerosum keeps managing the opening balance, payments, interest and terms. Labeled Balance only on the Bank Sync page.
• New: Plaid mortgages and student loans. Link them to a Zerosum loan account for a synced balance, or to a tracking account to see the lender's transactions in your register.

→ Bank Sync · Reconciling accounts

Thank you for being here. ❤️

The biggest release since the summer. Gift subscriptions are here, a new Hide amounts mode keeps your numbers private on a shared screen, three new looks join a richer dark mode, and the register got noticeably faster.

🎁 Gift a year of Zerosum

• New: gift subscriptions. Give someone 12 months of Basic ($30), Plus ($50) or Pro ($75) from the website. Pick the delivery date, time and time zone, and the recipient gets a code by email when you chose. If they already subscribe, the gift waits its turn and starts when their current plan ends.

→ Gift subscriptions

🙈 Hide your amounts

• New: Hide amounts. One switch in the sidebar (and in Settings) masks every figure across budgets, accounts, transactions, the calendar, loans and analytics. Everything still works underneath, so you can share your screen or budget on the train without showing the numbers.

→ Settings

🎨 Three new looks and a richer dark mode

• New: Slate, Tide and Moss. A cool gray, a sea blue and a sage look, each with its own light and dark mode, alongside Midnight, Lavender, Rosewater, Paper and Ink.
• Dark mode got depth. Every dark theme now has a clearer step between the sidebar, the page and its cards, and the base dark and Paper dark carry real color instead of flat gray.
• The picker shows you the real thing. Each theme's dot now previews its background and accent for the mode you are in.

→ Themes & Appearance

✏️ Transactions

• New: change the account while editing. Move a transaction to another account right from the editor, on desktop and mobile, instead of going through Move.
• New: notes render as Markdown. Bold, links, lists and code, up to 2000 characters.
• Clear a category anywhere. Every entry surface, split rows included, lets you remove a category, even one a payee filled in for you.
• Edit payee rules in place. Fix a typo in an auto-categorize or transfer rule without deleting and recreating it.

→ Transactions · Manage Payees

🏦 Accounts

• New: Favorites. Star an account and it sits in its own Favorites section at the top of the sidebar and the Accounts page. A "Favorites at the top" switch in sidebar customization hides the section if you prefer.
• Redesigned Add and Edit Account. One clean settings list, a clearer bank-sync block, and less clutter, on the loan setup step too.

→ Accounts & Transfers

📅 Calendar

• New: account and payee filters. Hide tracking accounts or specific payees and see only the cash flow you care about.

→ Calendar

📊 Analytics and goals

• Savings rate leads with the trailing 12 months. One bonus month no longer swings the chart; the caption says which months are in, and the per-month view is still there.
• Income Ratio targets can be "at most." Keep Fun under 20% and the green and red finally point the right way.
• Loan what-if shows what an extra payment buys. Interest saved and months cut, compared with your current plan.
• Weekly and biweekly goals say what they fund. "Budget $50 by the 19th" and "Budget $300 for the rest of the month" are now separate, clearly labeled choices. Open-ended savings goals also show real progress in Combined view instead of a full bar.

→ Analytics & Reports · Budget Goals

⚡ Faster

• Editing no longer reloads the register. Editing, approving, moving or deleting transactions in a large budget updates in place instead of refetching the whole list.
• The app loads lighter. The first download is 41% smaller, sign-in reaches your budget in fewer round trips, and the sidebar no longer flashes a skeleton that pops into place.

Thank you for being here. ❤️

The headline this release: transactions no longer need a category. Enter, import, or approve anything and sort it out when you're ready — a new Needs Category row keeps your budget honest while you decide.

🏷️ Categorize when you're ready

• New: categories are optional. Save a transaction without a category and it just works — imported transactions approve without one too. Anything uncategorized gathers in a Needs Category row at the top of your budget, and the review banner counts what's left to sort.
• The math stays honest while you decide. Uncategorized card spending counts as card debt, and categorizing it later moves exactly the money that categorizing up front would have.

→ Budgets & Categories · Transactions

🖼️ Give accounts a face

• New: custom account images. Upload a photo or logo (PNG, JPEG, WebP, or GIF) and it identifies the account everywhere — pickers, register, search, calendar, analytics, and mobile. Images are private to your budget, with photo metadata stripped.

→ Accounts & Transfers

💳 Pay off a card by a date

• New: "pay off balance by date" goals. On a credit card payment category, pick a payoff month and Zerosum calculates how much to budget each month to get there, re-planning as the balance moves. (This one came straight from your feature requests. Thank you!)

→ Credit Cards · Budget Goals

✅ Register power tools

• New: right-click a selection. Select a few rows, right-click, and every bulk action is there — Approve, Reject, Match, Categorize, Tag.
• New: Enter Now in bulk. Select any mix of scheduled transactions and bank-pending previews and enter them all at once — one action, one undo.
• Match always explains itself. Match now shows for every selected pair, and when it can't run, it tells you exactly why.
• A clearer reconcile dialog. A statement-style card lines up your bank balance against what's cleared in Zerosum, ending in a green "Balances match" or a signed difference — and it's a proper bottom sheet on mobile.

→ Reviewing imported transactions · Reconciling accounts

🏦 Bank sync

• New: disconnected accounts are visible and fixable. An account your provider stops returning now shows on the Bank Sync page with reconnect instructions, and the sidebar badge got tiers: red means act now, yellow means reconnect soon.
• Transfers show both sides right away. When an import matches a transfer rule, the other account's side appears immediately — balances are right from the first moment, on both accounts.

→ Bank Sync

📊 Analytics

• Year over Year compares matching months. Mid-year, 2026 is compared against January–July of 2025 — not the full year — so the change percentage finally means something.
• Cash Flow respects your account selection. Transfers between selected accounts stay internal; transfers leaving the selection count once. Balance adjustments now show up too, clearly labeled.

→ Analytics & Reports

✨ Also in this release

• PDF receipts on every platform. Desktop browsers now take PDF receipts too — page one, converted privately on your device.
• Paste works in every amount field on mobile — every numpad and dialog — and the cursor finally stays put when you edit an amount mid-number.
• For Next Month speaks one language. Every surface now says "set aside", and the receiving month explains where its extra Ready to Budget came from.

Thank you for being here. ❤️

The headline this release: bank sync through your own provider. Connect a SimpleFIN or Lunch Flow API account you control and pay for directly, and Zerosum runs the same safe import on top — with the new Plus plan built around it.

🔌 Bring your own bank sync

• New: connect through your own provider. Link a SimpleFIN or Lunch Flow API account you pay for directly and sync any bank your provider supports. Zerosum stores one encrypted credential and runs the same review, matching, and duplicate prevention as the managed options.
• New: the Plus plan. Everything in Basic, bring-your-own bank sync, and shared budgets for up to 3 members — $7.50/month or $50/year. Pro keeps managed Plaid / Lunch Flow sync and 5 seats, and now includes bring-your-own too.
• A clearer Bank Sync page. Managed sync and bring-your-own sit in their own groups, and Add account offers "Your own provider" alongside Manual, Plaid, and Lunch Flow.

→ Bring your own provider · Bank Sync

✅ Review and reconcile, your way

• New: work through Pending at bank in bulk. Select pending previews like any other rows — Enter Now or Reject a whole batch, or select a preview together with a transaction you already entered and Match them.
• Improved: reconciling keeps your normal register. Sort and filter while you tick transactions off; only scheduled rows step aside.

→ Reviewing imported transactions · Reconciling accounts

🧾 Receipts: files and PDFs

• New: attach from Files on iOS. The receipt picker now offers Camera, Photos, or Files — including iCloud Drive — and accepts single-page PDFs, converted to a compact image on your device before upload (waiting App Store approval).

→ Transactions

📱 Mobile

• New: the numpad does more. Paste an amount straight into it.
• New: haptics where they help. Gentle feedback on saves, approvals, selections, and errors — with a switch in Settings if you'd rather not.
• New: see where Ready to Budget lands. The budgeting editor shows Ready to Budget and a live preview of where your edit takes it, before you commit.

📊 Analytics

• Improved: spending headlines net out refunds. Buy for $70, get $35 back, and Spending reads $35 — gross outflows and credits stay available in the detail.

✨ Also in this release

• Smarter payee auto-categorization. Suggestions follow the clear majority of a payee's recent transactions instead of flip-flopping on the latest one.
• Loan payments accept zero amounts across every loan editing surface.
• Fixed: account section order no longer jumps on mobile, scheduled inline edits no longer dismiss themselves, and select-all only takes the rows you can see.

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. ❤️