Zerosum v1.0.0 — The Beginning

The beginning. ✨ A zero-based budgeting app built from the ground up — designed to give every dollar a purpose.

💰 Core Budgeting

- Zero-based budget engine — assign every dollar to a category until "Ready to Budget" hits zero

- Monthly budget table with drag-and-drop category and group reordering

- Auto-budget actions — budget last month's amounts, average spending, cover overspending, fund underfunded goals, and more

- Carryover balances — unspent money rolls forward automatically

- Multi-budget support — separate personal, business, or joint finances

- Full transaction management — add, edit, delete, and categorize

- Split transactions — divide a single payment across multiple categories

- Scheduled & recurring transactions — plan ahead with future-dated entries

- Pending transaction support — track transactions before they clear

- Bulk actions — select multiple transactions for batch edits or deletion

- Budget & tracking accounts — checking, savings, cash, investments, loans, mortgages

- Credit card support — automatic payment category creation, spend tracking, and underfunded alerts

- Account reconciliation — verify balances against bank statements

- Plaid bank linking — automatic transaction import (admin-controlled)

- Transfers between accounts with automatic paired entries

- Savings goals — set targets with flexible strategies (target by date, monthly contribution, open-ended)

- Goal progress tracking — visual indicators showing funded, on-track, and underfunded status

- Goal snoozing — temporarily pause goal tracking for specific months

- 3-level progress display — toggle between All, Compact, and Minimal views

- Spending breakdown charts — see where your money goes by category and group

- Net worth tracking — monitor total assets vs liabilities over time

- Income vs expense trends — monthly and yearly comparisons

- Configurable date ranges and filters

- Command palette (⌘K) — quick access to every action

- Keyboard shortcuts — T (transaction), C (category), G (group), A (account), and more

- Desktop side panel — real-time category details, goal progress, and monthly notes

- 🌗 Dark mode, light mode, and system theme

- 📱 Installable PWA — add to home screen on any device

- Responsive design — full-featured on desktop and mobile

- 📚 Help center — searchable documentation for every feature

- 📦 Data export — download everything as JSON, anytime