🧭 Zerosum v1.6.3 — Plan Ahead, Budget Faster

This release makes forward planning much more useful. Auto-budget presets let goalless categories ask for a saved monthly amount, Next Month Coverage shows how ready you are for next month, and budget row bars are now customizable so the table can show the level of detail you actually want.

🪄 Auto-Budget Presets

• Set a monthly preset for categories without goals. Use presets for categories you want to fill automatically without tracking goal progress afterward.

• Auto-budget can now fund goals and presets together. Choose Goals + presets to cover overspending, fund goal targets, then top up preset categories with what is left in Ready to Budget.

• Keep goals and presets separate when you want. Choose Goal targets if you do not want preset categories topped back up, or Budget presets to only fund preset categories.

• Preset row controls are now built into the budget table. Use the coin button beside a category to add or edit its preset.

• Budgeted presets are tracked for the month. A blue Budgeted label can show when a preset has already been applied, so Auto-budget does not keep refilling it unnecessarily.

→ Auto-budget presets

📆 Next Month Coverage

• 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

🎛️ Custom Budget Row Bars

• 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

💳 Credit Card Payment Group Renaming

• 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

🛠️ Fixes & Polish

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