→ Transactions toolbar · Search & filter

• Account notes now use the same editor as month and category notes. Write in Markdown, see the rendered version, click the pencil to edit again.

• Drag the bottom edge of any note editor to resize it vertically when you need more room.

• "Prepared" now counts gross inflows into next-month categories. If you pull money from a buffer category (e.g. Cash Reserves) and redistribute it across goal categories in the same month, Plan Ahead now correctly reads that as money put to work — instead of netting to zero.

• Save by date "Planned" target reacts to category balances. Spending and refunds in the goal's cycle now flow into the Planned figure, so it stops understating what you need to budget.

• Target-mode selector got a cleaner explanation. The info-icon tooltip became an inline description with a "Learn more" link — discoverable without a hover.

→ Next Month Coverage · Live target vs Planned target

• Month Breakdown and the RTB Calculation dialog now split Budgeted into two rows when relevant: "Budgeted to categories" (money you put in) and "Unbudgeted from categories" (money you pulled back to Ready to Budget).

• Buffer-and-redistribute workflows surface properly. If you assign +$4,000 across goals and −$4,000 from a buffer category, you see the real $4,000 of budgeting work — not "Budgeted: $0".

• No visual change if you don't pull money back. The decomposition only appears when there's actually something to split.

• Refill-up-to goals with monthly caps no longer get flagged for funding above the cap. The cap controls how much the goal asks for each month — it doesn't define what counts as overbudgeted. Budgeting toward a multi-month refill is fine.

• Save by date and Save eventually goals now compare cycle total vs target. A $25/month assignment toward a $298 yearly goal no longer surfaces $0.16 of "overbudgeted" noise. The goal rebalances next month's ask automatically.

• Real overage still surfaces accurately. If you've actually funded a goal past its target, you'll still see the movable amount.

• Scheduled transactions are now a top-level side-panel section. Drag-reorderable, manageable from Manage Sections, no longer wedged inside Goals.

• The card was redesigned to match Goals: icon, "Scheduled transactions" title, count badge ("3 scheduled"), tooltip explaining what it shows, and a "Next on …" date when there's something coming up.

• Empty state is now a single centered block — no more wonky gap or duplicated message when nothing's scheduled.

→ Scheduled transactions

• Type spl + Enter on a transaction to open Split mode — keyboard-first, no reaching for the mouse.

• Type a category group's name (like "Bills") to expand all categories in that group into the dropdown. Direct name matches always rank first, so typing "ent" still surfaces "Rent" at the top.

• Same behavior in the mobile category drawer.

• Sidebar order matches mobile everywhere: Budget · Calendar · Accounts · All Transactions · Overview · Analytics.

• "Budget · Unbudget · Move" vocabulary is consistent across the budget table, drawers, and side panel.

• Category picker keeps your group order in custom views — categories no longer collapse into a stray "Other" group.

• Approve a pending transaction, then open Reconcile — the new balance is reflected immediately. No more yellow→green flash.

• Transfers keep their per-leg state. Cleared status and notes are now independent across the two sides of a transfer.

• Inline transaction rows and pending edit rows got a more comfortable size — bigger inputs, bigger action buttons, sharper spacing.

→ Auto-budget presets

• The side panel now shows Next Month Coverage. It replaces the old future-months summary with a clearer “Prepared vs Target” view.

• Overview gets a matching Plan Ahead card. The same metric now appears on the Overview page, so you can check next month without opening the budget side panel.

• Prepared money avoids double-counting. Zerosum combines money already assigned in next month with money waiting in next month’s Ready to Assign / For Next Month flow.

• Targets use goals and presets. Next Month Coverage looks at next month’s goals plus auto-budget presets on categories without goals.

• Switch between Live target and Planned target. Live target adjusts for money already sitting in categories; Planned target uses the full goal amount for worst-case planning.

→ Next Month Coverage · For Next Month

• Choose how budget rows display progress. Pick Spending bar, Goal bar, Combined bar, Split bars, or No bar.

• Summary text is now separate. Keep the bar but hide the text, or turn the bar off and keep the row cleaner.

→ Row status bars · Budget row display

• You can rename the Credit Card Payments group. If that default group name does not fit your budget, change it like other group names.

• Payment categories stay protected. Zerosum still manages the linked card payment categories for you, even if the group is renamed.

• Imports, backups, undo, and account actions understand the renamed group. The group no longer depends on its exact display name behind the scenes.

→ Credit card payment tracking

• Currency inputs stay editable after pressing Enter. Budget cells no longer get stuck showing the committed value when you immediately keep editing.

→ Goals help center

• The Calendar can now show goals. Goal prompts appear alongside transactions and scheduled transactions, while staying visually separate from real money movement.

• Calendar layers are now toggleable. Show or hide Transactions, Scheduled, and Goals independently.

• Your Calendar layer choices are remembered. Zerosum keeps your preference per budget.

→ Goals in the Calendar

• The row bar is simpler. It now focuses on category activity: carried-over money, current-month budgeting, spending, and overspending.

• Goal progress has its own space. Goal status now lives in the goal card, goal popover, overview, and side panel instead of being mixed into the spending bar.

• Goal icons appear beside categories. Open goal details quickly, or create a goal from rows that do not have one yet.

• Spending details are easier to find. A dedicated row action now opens the category activity breakdown.

• Budgeting an underfunded goal is faster. Money movement now clearly supports both moving money out and budgeting money into a category.

→ Budget row status · Moving Money

• The side panel now gives goals a clearer monthly summary. See total monthly targets, what still needs funding, and the categories that need attention.

• The Overview page goal card is more useful. Underfunded goals can be opened directly in the budget, with the matching category selected.

• Save by date goals can show a funding plan. See how future monthly asks build toward a larger target.

→ Side Panel · Funding Plans · Snoozing Goals

• Side panels restore more reliably after Compare Months. Your sidebar and budget panel widths should come back the way you left them.

• Spending Pace works better across months. Past months now show as fully elapsed, while future months no longer show a spending pace section.

• Auto-budget copy is clearer for one selected category. Single-category actions now read like single-category actions.

→ Comparing Months · Auto-budget

• Pending transaction payees display more consistently. Matched imports now show the clean payee name across desktop, mobile, and Overview.

• Raw bank text still appears when useful. If an import is not matched yet, the original bank description remains visible during review.

• Calendar transaction actions are more complete. Change payees and edit tags from Calendar transaction menus, including on mobile where supported.

→ Importing Transactions · Transactions

→ Manage Payees

• Zerosum now learns payee mappings during review. If your bank sends a raw name like PETROL STATION 321 and you change it to Shell, Zerosum can remember that for next time.

• Raw bank names no longer clutter your payee list. If an import does not match a payee, the raw name stays visible during review without creating a junk payee.

• Import rules are safer. Very short “contains” patterns are blocked so broad fragments do not accidentally hijack unrelated transactions.

• Category behavior applies to imports too. When an import resolves to a payee, that payee’s fixed/recent/off category setting is respected.

→ Importing Transactions · Manage Payees

• Optional nearby payees. On mobile, Zerosum can suggest payees you have used near your current location while adding a transaction.

• Off by default. You turn it on from Settings, and your browser asks for location permission.

• Private to you. Saved locations belong to your user account, even in shared budgets.

• Easy cleanup. Forget saved locations from Settings or from a payee’s Locations tab.

→ Settings · Manage Payees

• Category activity is now available on mobile. Open a category’s details and drill into its activity without switching to desktop.

• Credit-card payment activity works too. Payment categories keep the same dedicated breakdown behavior on mobile.

• Same transaction logic as desktop. Split activity, credit-card activity, and future-date handling now line up across both layouts.

→ Budgets

• Choose your week start. Settings now lets you start weeks on Sunday or Monday.

• Calendar views follow your preference. The budget calendar, mobile mini-calendar, mobile timeline week dividers, and date pickers all respect the setting.

• Weekend shading still stays true. Saturday and Sunday remain weekend days no matter which day starts the week.

→ Settings

• Large budget restores and duplicates are more reliable. Big backup restore and budget copy jobs are much less likely to time out.

• App assets cache better. Returning to the app should feel faster while still keeping stale-bundle recovery intact.

→ Backups & Data Exports · Multiple Budgets

• Protect your Zerosum account with 2FA. Add an authenticator app code after sign-in for an extra layer of security.

• Backup codes are included. Save one-time recovery codes in case you lose access to your authenticator app.

• Trust this browser for 30 days. Skip the extra code on devices you control.

• Security changes require a fresh check. Disabling 2FA or generating new backup codes asks for a new verification code first.

• Manage active sessions. See where you’re signed in and revoke browsers or devices you no longer use.

→ Account Security · Settings

• Change payees in bulk. Select multiple transactions and update the payee once instead of editing each row by hand.

• Works on saved and pending transactions. Use it from regular transaction tables or while reviewing pending imports.

• Available across desktop and mobile. Selection bars, row menus, right-click menus, mobile action sheets, and the P shortcut all support payee editing.

→ Transactions · Keyboard Shortcuts

• Keyboard navigation is much better. Arrow through rows, press Enter to edit, Shift+Enter to save or approve, Escape to back out, and Home/End to jump through a table.

• Split transactions are easier to work with. Filtered split legs can appear as focused rows, split-child tags are editable, and mobile shows linked split details more clearly.

• Starting Balance is now easier to choose. Starting Balance appears as a system payee option where it makes sense.

→ Transactions · Tags

• Category-group drilldowns. Spending by Category and Spending Trends can now start at the group level, then drill into the categories inside a group.

• Smarter dashboard widgets. Category widgets can use grouped categories, flattened categories, or a pinned category group.

• Forecast account filters. Narrow the forecast to the accounts you want to inspect.

• Cleaner transfer and payment filtering. Analytics payee filters now understand internal transfers and payments, so reports are easier to clean up without hiding whole accounts.

→ Analytics help-center article

• Notes now support Markdown. Use simple formatting in account notes, loan notes, category notes, monthly category notes, and month notes.

• Longer notes. Shared note fields now support up to 5,000 characters.

• Cleaner note previews. Account and loan notes now open in a proper popover instead of a cramped tooltip.

• Pickers feel more consistent. Account, category, payee, tag, preset, widget, analytics, and budget settings selectors now behave more alike across desktop and mobile.

• Calendar days are easier to read. Repeated transaction labels are grouped with an xN count, and desktop day details keep context visible while the list scrolls.

• OFX/QFX installment imports no longer collapse into one row when banks reuse the same transaction ID.

→ Budgets help-center article

• Desktop filters are now inline. Date, accounts, categories, payees, and tags appear as filter chips right in the analytics header instead of hiding behind a single Filters button.

• Mobile keeps the drawer. The compact mobile filter drawer remains unchanged, where vertical space matters more.

• Sticky filters load cleanly. Saved analytics filters now appear correctly on first load instead of briefly showing defaults.

• Income Breakdown is more reliable. Duplicate payee or category names no longer cause the income-flow chart to crash or hide labels.

→ Analytics help-center article

• More budget number formats. New options include comma/dot, dot/comma, space/comma, space/dot, apostrophe/dot, and Indian comma grouping.

• A much larger currency picker. More currencies are now available in Budget Settings, including zero-decimal and three-decimal currencies.

• Amounts follow your chosen format more consistently. Currency symbols, placement, separators, previews, and inputs now line up more reliably across the app.

• Loan rates support 3 decimals. Rates like 4.625% and 6.875% can now be entered, saved, imported, and displayed precisely.

→ Budget settings

• YNAB and Actual imports respect your budget currency. Imported amounts now scale correctly for currencies like JPY, KWD, BHD, and other non-2-decimal currencies.

• Import review previews use your format. Account review screens now show balances using your selected currency symbol, placement, and number format.

• Balance adjustments import correctly. Reconciliation and manual balance adjustment rows from YNAB and Actual are now treated as balance adjustments, not ordinary income or spending.

• More QFX files import properly. Some QFX files that previously appeared empty now parse correctly.

→ Importing transactions · Importing from YNAB · Importing from Actual

• More specific Undo labels. Undo history now names more of what actually changed: notes, goals, recurring transactions, moves, bulk edits, renames, color changes, and reopened accounts.

• Rename details show old → new. Category, payee, tag, account, group, and account-group renames are easier to recognize in history.

• Amounts follow your budget format. Assignment undo labels now use your budget currency and number formatting.

→ Undo help-center article

• Zero-value entries are allowed. Desktop entry, pending approval, transaction dialogs, and recurring templates now preserve explicit 0 amounts instead of treating them as blank.

• Pending review feels steadier. Staged edits no longer flicker back to stale values, and edited dates now display correctly before approval.

• Recurring copy is clearer. “After total occurrences” now consistently means the total number of created transactions, including the next scheduled one.

• Weekend adjustment only appears where it applies. Recurring schedules now show weekend behavior only for schedules that can actually land on a weekend.

→ Transactions help-center article

• Long payee names behave. Merge Payees and other dialogs no longer stretch off-screen when a payee name is unusually long.

→ Sharing help-center article

• Multiply and divide, not just add and subtract. 100 × 1.06 for tax. 60 ÷ 4 to split a bill. (15.95 + 7.34) × 1.075 with parentheses if you want to get fancy. Works on Budgeted cells, Move Money, transaction inflow / outflow, and split rows.

• PEMDAS done right. 2 + 3 × 4 evaluates to 14, not 20. Type * and / from your keyboard — they normalize to × and ÷ for clean display.

• Calculator-style numpad on mobile. A 4-column iOS-Calculator layout with × and ÷ keys, plus a smart decimal point that lights up when you're typing a multiplier (so 100 × 1.06 works on the phone).

• European keyboards, no surprises. In comma-decimal budgets, typing 20 × 1,2 gives you 24 — multipliers are dimensionless so they accept either separator. Currency operands still follow your budget's strict format.

• Move a transaction up or down within the same day. Right-click (or use the 3-dot menu, or the mobile actions sheet) on any transaction and pick Move up within day / Move down within day. Useful when you want a logical order for same-day transactions that the bank or your timestamp didn't capture.

• Sticks across syncs and edits. Your manual order is preserved when transactions are updated. Move a transaction to a different day or account and the manual order resets cleanly.

• Full undo support. Reorder by accident? ⌘Z it.

• Edit tags directly on the pending review list. Click the tag column on any pending row to open the picker — your selection is staged with the rest of your edits and applied on Approve.

• Bulk "Set tags". Pick multiple pending rows, hit Set tags in the selection bar, and apply the same tags to all of them in one Approve action.

• Mobile. Tap Edit & Approve to open the full editor where tags are right alongside category, payee, and note.

• Year over Year now has Payees and Categories filters. Drop a transfer-flavored category from the comparison without nuking a whole account. Available on both the Analytics tab and the dashboard widget.

• Savings Rate row in Income vs Expense. A new row directly below Net Income shows your monthly savings rate — no more switching to the standalone Savings Rate report just to see the headline %. Months with no income show an em-dash instead of a misleading "0%".

• Runway: "Available Assets" now matches reality. Closed accounts and accounts with starting balances were being miscounted. Fixed — the runway view now agrees with your sidebar totals.

• Spending by Category / Payee — Treemap drilldown fixed. Clicking a tile now opens the drilldown for the category you actually clicked, not the one next to it.

• No more blank screen at launch. A theme-aware loading shell now appears the moment the app starts, so you see immediate feedback instead of a blank window — especially noticeable on the iPhone home-screen app and on slower connections.

• iPhone home-screen blank-screen bug, fixed. A long-standing recovery glitch that left some users stuck on a blank canvas after a deploy is gone. Refreshes happen cleanly and silently.

• Categories — instant unhide. Unhiding a category and dropping it into a group now happens in one click with optimistic UI — no double-flash, no waiting on the round-trip.

• Goal progress is consistent everywhere. A goal that showed "On Track" on the budget table sometimes showed "Underfunded" on the overview. Both now use the same cumulative-aware math.

• Loan interest rate accepts comma decimals. Editing a loan with a 4,23% rate no longer silently truncates to 4% for users on comma-decimal formats.

• Reconcile — "today" follows your budget timezone. Late-night reconciles in a different timezone from your budget no longer date the adjustment to yesterday.

• Bigger checkbox click targets. Click anywhere in the checkbox cell on the transactions or budget table — not just the tiny box itself — and the row toggles correctly.

• Reconcile dialog won't reset mid-close. Closing the reconcile dialog after success no longer flashes step 1 during the close animation.

• Heatmap dashboard widget no longer crashes. Fixed a regression where the calendar heatmap widget threw on load.

• Zambian Kwacha (ZMW) added to the currency picker. 🇿🇲

→ Carry Over Negative Balances help-center article

• Arrow keys work everywhere now. Previously, pressing Enter on a Budgeted input could send focus to the page body and silently break ↑/↓ until you clicked another row. That's fixed — the table now listens at the document level, so you can hammer through a column of inputs without re-clicking.

• Cold-start ↑/↓ jumps to the first or last row. Land on /budget, press ↓ — the first visible row gets focused immediately. No more "press something else first" dance.

• Open/closed state stays on the device where you set it. Sidebar group collapse, category-group collapse on the budget, accounts-page collapse, analytics filter panels, and the budget filter selection are now stored per device. Collapse a group on your phone and your desktop stays untouched. Your structural choices (column order, sort, etc.) still sync across devices — only the day-to-day "is this open right now" state is local.

• Analytics filters are sticky per view, per device. Each chart remembers its filters separately. Set up a tag filter on Spending by Category on desktop, and your phone's view of the same chart starts fresh.

→ Side panel help-center article · Analytics filters

• "Save & Add Another" actually resets. The inline transaction row now correctly clears the form and re-focuses the date field after Save & Add Another, so you can rip through a stack of receipts without re-clicking.

→ Splits help-center article · Tags and splits

• Every 3rd Wednesday. Recurring templates now support week-of-month rules: "1st Friday", "Last Tuesday", "3rd Wednesday" — for things like rent that lands on a specific weekday-of-month rather than a fixed day number.

• Last day of the month. A dedicated "Last day" rule that handles 28/29/30/31 correctly across every month — bills that hit on the 31st no longer skip February.

• Arbitrary intervals. Every 2 weeks, every 3 months, every 6 weeks, etc. Pick a unit (week/month/year) and a number — the engine handles the rest.

• Loan-payment recurring. Loan payments can now be set up as recurring templates (previously blocked). Backed by tightened recurring eligibility so system-kind transactions stay out.

• 0, 2, and 3-decimal currencies. Yen (¥), KWD (3 decimals), and standard 2-decimal currencies all render and parse correctly throughout the app — display, input, CSV export. Pick your currency in budget settings and amounts behave consistently everywhere.

• See each day's net at a glance. The calendar now shows a net (inflow − outflow) total under each day cell. The legacy "Add" button on the calendar header is gone — adding a transaction goes through the same dialog as the rest of the app.

• Progress toast + spinner. Bulk-approve and bulk-reject now surface a progress toast while the work runs, with a spinner so you know it didn't get lost.

• Staged-edit selection. Edits made during pending review are remembered when you toggle selection — you don't lose your category or payee picks if you accidentally untick + retick a row.

• Reconciled empty state CTA. When the pending list is empty because everything is reconciled, a helpful "go to pending review" link replaces the dead-end blank state.

• Mirrors the sidebar. The Accounts list now follows the same tree + group ordering as the sidebar, so jumping between the two views doesn't feel like a different app.

• Sync dot colors that match. Green / yellow / red sync dots are now consistent between the sidebar avatar and the accounts page header — and the dot anchors cleanly to the account avatar instead of drifting.

• Bulk operations, hardened. Move, duplicate, delete, bulk-edit, and bulk-approve all chunk requests at 100–500 transactions and use single updateMany / createMany writes server-side. Working with hundreds of rows at a time is now snappy instead of stuttery.

• Dialogs preload on intent. Hover or focus a button that opens a dialog and the chunk loads in the background — by the time you click, it's instant. Applied across 9+ commonly-used dialogs.

• Mobile tap reliability. Killed iOS Safari's 300ms tap-delay penalty across the app and tightened the numpad press feedback. Inputs feel native again on iPhone.

• Currency input — strict to your budget format. Typing 1,000 no longer auto-converts to 1000 if your budget uses comma-as-decimal. Format follows the budget setting precisely.

• Currency paste handles thousand separators. Pasting 1,234.56 into an input no longer drops the trailing digits.

• Edit Starting Balance / Balance Adjustment rows. These previously-locked rows can now be edited where it makes sense (note, cleared, date) without breaking the engine.

• Refresh payee recent-category cache. The "recently used categories for this payee" suggestions now update immediately after you save a transaction, not on the next page load.

• Pending approval — no more flash. Approving a row no longer flashes the empty state for a half-second before the row disappears. Bulk approve is the same.

• Charts — no re-animation on tab nav. Switching analytics tabs no longer re-runs the chart entry animation if you've already loaded that view.

• Pending bulk approve disable. The Approve button correctly disables when any selected pending row is missing a required category for a budget or credit-card outflow.

• CC accounts ordering. Credit-card accounts are now sorted within their group in the picker to match the sidebar order.

• Numpad backspace. After deleting digits, the next typed digit now appends instead of replacing.

• Tags — added per-split tag guidance: how to apply tags to split children, how the bulk-tag flow handles splits, and how per-child tags propagate through recurring templates.

• Transactions — splits — added a callout covering per-line tags + notes, and noted that the parent tag picker is hidden in split mode.

• Help center — RTB formula — cleaner copy on the Ready-to-Budget formula and dropped a stale refunds callout.