Zerosum v1.4.5 — Savings tracking, resizable panels, polish ✨

💰 Track savings as spending

Transfers from a budget account to a tracking/savings account can now carry a real category. Moving $500 to your HYSA with category "HYSA Savings" now:

reduces that category's Available
satisfies any goal on the category
shows up in Spending by Category, Trends, Period Comparison, Sparklines, Heatmap, and Year over Year
leaves Net Worth unchanged — the money just moved between your accounts

Cash Flow, Runway, Income vs Expense, and Income Breakdown correctly skip these transfers (it's asset relocation, not cash burn). Your second transfer to the same account will auto-fill the category as a smart default.

↔️ Resizable + collapsible side panels

Left sidebar — drag the edge to resize, click the collapse button in the footer, or press [ to toggle. Below the minimum it snaps to an icon-only column.
Right side panel (budget table) — drag to resize, click the collapse button in the header, or drag below the min to collapse to a thin strip.
Both remember your width + collapsed state per device.
Mobile behavior is unchanged — the sidebar still opens as a sheet from the right.

🐛 Fixes

Loan payments in the Monthly Report now show as Payment to [Loan] instead of (no payee), and the Top Payees chart correctly groups them under the loan
(not the lender's payee name).
YNAB imports with categorized budget↔tracking transfers (your savings history) are no longer silently reset to "Ready to Assign." Existing exports can be
re-imported to recover intent.
Hide/unhide toast — unhiding a category now correctly says "Category shown" instead of "Category hidden."
Inline-add transaction row — switching accounts mid-entry no longer leaves the previous account's form data stuck on screen.

💅 Polish

Typography — subtle +1px bump across the sidebar, budget table, and side panel for better readability.
Goal progress copy tightened: "$X needed by the 1st" → "Need $X by 1st", "Spent $X of $Y" → "Spent $X / $Y".