💳 Zerosum v1.5.5 — Credit Cards, Tamed

Real credit-card budgeting, end to end. Add a card as a Credit Card account and Zerosum auto-moves money into a per-card payment envelope every time you spend, so paying the bill never blindsides your budget. YNAB importers get a per-card choice between the new model and the classic one. Plus a wave of keyboard polish on transaction entry, a sticky Scheduled header, and a long list of fixes underneath.

💳 Credit Card Accounts (New Account Type)

• Spend, and we move the money. Categorize a CC purchase to Groceries (or any spending cat) and Zerosum automatically transfers that amount from Groceries into the card's Payment category — so when the statement lands, the money to pay it is already set aside.

• A Payment category per card. Each Credit Card account auto-creates a linked payment category in a managed Credit Card Payments group. Locked from accidental delete, locked out of analytics double-counting.

• Three ways to pay the card. From the toolbar's Make Payment button, the Record Payment CTA on the side panel (pre-fills source, amount, and category for you), or by entering the transfer manually from any budget account.

• CC account header. A new "Available for Payment" column anchored to the right of the header tells you exactly how much is set aside to pay the card. Coloured green/yellow/red so funding state is readable at a glance.

• Side-panel cash + credit split. Spending categories that hit a CC now show separate "Cash activity" and "Credit activity" rows in the side panel — you can see exactly how much of this month's Groceries was paid in cash vs. on a card.

• Cash advances handled. Pulling money from a CC into a budget account routes correctly under the hood (income → RTA), with no double counting.

→ Credit Cards: Payment Tracking guide

🔄 YNAB Import — Choose Your Card Model

• Per-card toggle in the import wizard. Every credit card or line of credit in your YNAB budget appears in a new Credit Card group on the Review Accounts step with a segmented toggle: Credit Card account (auto-move, the new model) or Budget account (the old "treat the card like checking" model). Default is Credit Card account.

• A help-center chooser. A revamped Credit Cards article walks you through both models side by side and links to two sub-articles so you can pick the one that matches how you actually use the card before you commit.

• RTB drift fixed. A subtle bug where a brief positive CC balance (from a refund, then re-spent) caused permanent Ready-to-Budget drift across subsequent months has been closed. Imported budgets now match YNAB's Ready to Assign month-by-month, current and historical.

→ Credit Cards: Choose Your Model · Importing from YNAB

⌨️ Transaction Entry — Hands on the Keyboard

• Tab commits the highlighted item. Type "groc" in the payee picker, hit Tab, "Grocery Store" lands and focus moves to the next field. Same for category. Shift+Tab commits in reverse.

• No more disappearing amounts. Typing in Outflow then tabbing through Inflow no longer wipes the value you just entered (the long-standing Reddit-reported bug).

• Focus chain in edit, too. Editing an inline transaction now advances date → payee → category → note just like adding a new one — previously the chain was add-only.

• Calendar arrow keys cross months cleanly. Pressing → on the last day of a month now lands on day 1 of the next month with focus, not stuck on the boundary.

• Pending-approval edits got the same treatment. Editing a pending imported transaction now picks up loan-cat inverse fill, FNM direction lock, payee-recent auto-fill, full split UX, and a smarter reconciled warning that only fires when you've actually edited something.

📌 Sticky Scheduled Header

• Stays at the top of the register. The Scheduled section header now pins to the top of the transactions list while you scroll — desktop and mobile, all-accounts and per-account.

• Jump back with one click. Once you've scrolled past the scheduled rows, the header morphs into ↑ Scheduled (N) in primary colour. Click anywhere on the bar and you're scrolled back to the top, with the section auto-expanded if it was collapsed.

• Whole-row hit target. Click anywhere on the bar to toggle collapse (or jump back). The chevron moved into the C column where it lines up with the data underneath.

🔮 Forecast Horizon Sticks

• Drag the slider once. The "Number of Months" setting on the Forecast view is now remembered per user, per budget. Survives navigation, reload, and switching devices — same way analytics filters already did.

🏦 Account Polish

• Last-synced tooltip. Hovering the "Linked" badge on a synced account header now shows "Last synced X ago" instead of just naming the provider — what you actually want to know.

🛠️ Fixes & Polish

• Cleared status: manual wins. When a pending bank import is linked to a manual transaction you already entered, the manual's cleared/reconciled state takes priority — bank imports never silently downgrade a row you've already locked in.

• Bulk approve, smarter. The pending toolbar's Approve button now disables (with a tooltip) when any selected row is missing a required category for a budget or credit-card outflow.

• Counterpart-type icons. Payee pickers, saved rows, pending rows, mobile drawers, and analytics drilldowns now show consistent Wallet / PiggyBank / CreditCard / Landmark icons matching the sidebar.

• All-Transactions add prefill. The add row on the All Transactions view now defaults to the first visible budget account in sidebar order.

• Account combobox order. Accounts in the picker now match the sidebar's section + group order.

• Mobile split inflow toggle. Fixed a silent data-corruption bug where toggling inflow on a split row in the mobile drawer was writing to the parent transaction's direction instead of the split row's.

📚 Help center

• Credit Cards: Choose Your Model — new chooser article. Side-by-side decision matrix for the auto-move model vs the classic budget-account model.

• Credit Cards: Payment Tracking — full walkthrough of the new auto-move flow: how spending funds the Payment cat, the side-panel breakdown, three ways to pay the card, refunds, cash advances.

• Credit Cards: Budget Account — the classic "treat the card like checking" model, kept as a first-class option.

• Importing from YNAB — new "Choosing a card type" section covering the per-card toggle in the import wizard.

• Accounts — Credit Card Accounts added to the Types of accounts list, with starting-balance guidance for cards that already carry debt.