🔍 Zerosum v1.6.4 — Sharper Transactions, Smarter Plan Ahead

This release sharpens the day-to-day surfaces. A redesigned Transactions toolbar with on-toolbar search, broader local search, smarter Plan Ahead numbers for budgets that redistribute from a buffer, a clearer "Budgeted" breakdown, and a long list of polish across the side panel, category picker, and inline rows.

🔍 Redesigned Transactions Toolbar

• Search now lives on the toolbar itself, next to Filters. No more digging into the Filters popover. / still focuses search.

• View toggles cluster on the right — Reconciled, Scheduled, Running Balance, and Tags each get their own icon you can flip on or off. Active ones light up in brand color.

• Import and Export collapsed into a tidy "⋯" menu next to Reconcile.

• Mobile gets a new "Eye" icon that opens a View options drawer with Show toggles (Reconciled · Scheduled · Running balance · Tags) and Layout (Group by day).

• Search matches more fields. Typing a category name, raw bank description, split-child note, tag, or derived label (like credit-card payment categories) now finds the transaction — not just payee and note.

→ Transactions toolbar · Search & filter

📝 Account Notes Get the Markdown Editor

• 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.

📈 Smarter Plan Ahead

• "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

💵 Cleaner "Budgeted" Breakdown

• 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.

🧮 Sharper Overbudgeted Detection

• 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.

📅 Upcoming, Promoted

• 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

🎛️ Smarter Category Picker

• 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.

🛠️ Polish & Fixes

• 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.