Changelog

The headline this release: bank sync through your own provider. Connect a SimpleFIN or Lunch Flow API account you control and pay for directly, and Zerosum runs the same safe import on top — with the new Plus plan built around it.

🔌 Bring your own bank sync

• New: connect through your own provider. Link a SimpleFIN or Lunch Flow API account you pay for directly and sync any bank your provider supports. Zerosum stores one encrypted credential and runs the same review, matching, and duplicate prevention as the managed options.

• New: the Plus plan. Everything in Basic, bring-your-own bank sync, and shared budgets for up to 3 members — $7.50/month or $50/year. Pro keeps managed Plaid / Lunch Flow sync and 5 seats, and now includes bring-your-own too.

• A clearer Bank Sync page. Managed sync and bring-your-own sit in their own groups, and Add account offers "Your own provider" alongside Manual, Plaid, and Lunch Flow.

→ Bring your own provider · Bank Sync

✅ Review and reconcile, your way

• New: work through Pending at bank in bulk. Select pending previews like any other rows — Enter Now or Reject a whole batch, or select a preview together with a transaction you already entered and Match them.

• Improved: reconciling keeps your normal register. Sort and filter while you tick transactions off; only scheduled rows step aside.

→ Reviewing imported transactions · Reconciling accounts

🧾 Receipts: files and PDFs

• New: attach from Files on iOS. The receipt picker now offers Camera, Photos, or Files — including iCloud Drive — and accepts single-page PDFs, converted to a compact image on your device before upload (waiting App Store approval).

→ Transactions

📱 Mobile

• New: the numpad does more. Paste an amount straight into it.

• New: haptics where they help. Gentle feedback on saves, approvals, selections, and errors — with a switch in Settings if you'd rather not.

• New: see where Ready to Budget lands. The budgeting editor shows Ready to Budget and a live preview of where your edit takes it, before you commit.

📊 Analytics

• Improved: spending headlines net out refunds. Buy for $70, get $35 back, and Spending reads $35 — gross outflows and credits stay available in the detail.

✨ Also in this release

• Smarter payee auto-categorization. Suggestions follow the clear majority of a payee's recent transactions instead of flip-flopping on the latest one.

• Loan payments accept zero amounts across every loan editing surface.

• Fixed: account section order no longer jumps on mobile, scheduled inline edits no longer dismiss themselves, and select-all only takes the rows you can see.

The headline this release: when bank sync brings in a transaction that has posted at your bank, it counts toward your balances and budget right away — before you even approve it. Approving is now just your review, not what makes a transaction real. Anything still pending at your bank waits in its own section until you're ready for it.

🏦 Synced transactions count right away

• New: posted transactions count the moment they sync. A bank-synced or imported transaction that has posted lands in your register and updates your balances and budget immediately. A banner at the top of every budget page shows how many still need you to approve or categorize — tap it to focus on just those.

• New: a Pending at bank section. Transactions still pending at your bank — a gas-station pre-authorization, a hotel hold — wait in their own Pending at bank section and stay out of your numbers until you enter them. Enter Now, Edit, or Reject each one.

→Reviewing imported transactions · Bank Sync · Understanding account balances

🔁 See what's coming

• New: recurring forecasts in the register. Upcoming recurring transactions now show in the Scheduled section, so you can see what's on the way before it lands.

→Scheduled & recurring transactions

📊 Analytics

• New: runway counts the accounts you choose. Pick which accounts count as available funds and your runway reflects exactly that.

• Improved: a steadier savings rate. The savings boundary is consistent across income vs expense and the savings rate.

📱 Mobile

• Fixed: receipt photos. Capturing and attaching receipt photos on your phone is reliable again.

The headline this release: attach a receipt photo to any transaction. Snap it with your phone or drop in a file on desktop, and it stays with the transaction — ready for tax season, warranty claims, or splitting the bill later. Alongside it, payees stop being mandatory and every amount field learns to do math.

📸 Receipts, right on the transaction

• New: snap or attach a photo. Every transaction has a camera button in the register — click it, pick or take a photo, and it saves on the spot, no editor needed. Rows with a receipt show a small thumbnail: hover for a bigger preview, click to view it full size, replace it, or remove it.

• New: on your phone too. Tap a transaction and choose Add receipt for the native camera or photo library — or manage the photo from the transaction editor's Receipt row.

• Private by design. Photos are compressed on your device and location data (GPS) is stripped before upload. Only members of your budget can see them, through links that expire on their own.

• Not your thing? Hide the whole column with the Receipts toggle in view options, right next to Tags.

→ Transactions

👤 Payees are now optional

• Just leave it empty. A transaction no longer needs a payee — skip the field and it saves, showing "No payee" in the register. Clearing a payee you set by mistake finally works too.

• Reviews unblocked. Imported transactions approve without a payee now; the only thing that still holds one back is a missing category. The "needs a payee" banner is gone.

🧮 Type math anywhere

• Every amount field calculates. + − × ÷ with live results now works in goal targets, account balances, reconcile amounts, loan dialogs — everywhere, not just transactions.

• Minus flips the direction. Type -100 in an outflow field (or math that lands negative, like 50-70) and the amount moves to inflow. Works the other way too.

• A typed / stays a / — easier to tell from a minus in small fields, and it still divides.

• Picking Ready to Assign defaults to inflow on a fresh transaction, since that's almost always what you mean. One keystroke flips it back.

📱 Mobile

• Dialogs make room for the keyboard. Linking a bank account (and other input dialogs) now rises above the keyboard as a bottom sheet instead of hiding behind it.

• Budget table columns align to your data. Budgeted and Available size to the month's widest amount — typical months give the space back to category names, and one huge number no longer knocks a row out of line.

• Hide the Budgeted column from View options for a monitoring-first table where Available is the only number.

→ Budgets & Categories

📊 Analytics

• Spending Trends tooltips show the month's total above the category breakdown — no more mental addition.

• Drill-down headers tell the whole story: a month with a big refund now reads "22 transactions · €450.00 — includes €2,462.25 credits / refunds" instead of a confusing negative.

• Un-budgeting a month is no longer painted red in the Budgeting Trend — moving money back to Ready to Budget is routine, and now it looks that way.

🧾 Also in this release

• Open-ended savings goals show blue until they're done — a pot at 5% no longer wears the same green as one that made it.

• Fixed: Plan Ahead's "prepared" percentage counted fully-funded goals against you. Funding everything now reads 100%, not less.

• Fixed: the reconciled-edit warning only appears when an edit can actually move money — adding a note to reconciled history no longer asks twice.

• Fixed: filter presets with "Untagged" save properly instead of erroring.

Thank you for being here. ❤️

The headline this release: the budget table is rebuilt for your phone. Budgeted and Available now sit side by side in a flat, edge-to-edge table that fits nearly twice as much on screen — and tapping any Budgeted amount opens a numpad editor with quick math built in.

🧮 The budget table, rebuilt for your thumb

• New: a real two-column table. Every row shows Budgeted next to Available, with group headers doubling as column headers. Numbers align down to the pixel, and far more categories fit on screen. Goal bars and status text stay — View options can hide them for maximum density.

• New: tap Budgeted to edit it. A numpad drawer opens primed with the current amount — type to replace it, or use + − × ÷ ("$50 − $10", done). While you type, it previews what Available will become. Quick actions inside jump to Move money, Details, or a one-tap Cover / Fund goal / Budget upcoming.

• New: cover everything at once. The Cover overspending sheet now shows the total ("2 categories · $236.27 to cover") and offers Cover all from Ready to Budget — one tap, all fixed.

• Every money-move states its case. Overspent, short for upcoming, behind on a goal, or a card that isn't fully covered: the same status card now leads the move drawer, the Budgeted editor, and the category panel — and the prefilled amount always matches it.

→ Budgets & Categories · Credit Cards · Budget Goals

📥 YNAB import: targets and schedules included

• New: your targets become goals — monthly, weekly, dated, and debt targets all map to their Zerosum equivalents, due days and deadlines included.

• New: scheduled transactions come along. Repeating schedules import as real recurring series; one-offs land in Scheduled without auto-posting anything.

→ Import from YNAB

💳 Loans

• Clearer Balance Forecast: Interest saved and Projected interest now show side by side, the plan line starts at today's balance, and paid-off loans keep their history and chart.

🔁 Recurring

• Deleting a series warns you first — posted history stays, and the dialog suggests skipping the occurrence if that's what you meant. Overdue upcoming dates now read "Due", and rejecting or delaying an occurrence immediately shows the next one.

→ Scheduled & Recurring Transactions

📱 Mobile & iOS

• Connecting Lunch Flow stays in the app, returning you right where you left off. And shake-to-undo is off in the iOS app.

→ Bank Sync

🧾 Also in this release

• New: No goal / Has goal filters on the budget table, with live counts.

• Category group prefixes are now a toggle in View options — and show on mobile too.

• Fixed: text rendering — Greek and accented characters now display in the correct font weight everywhere in the app.

• ⌘Enter saves a transaction note, and the calendar no longer jumps on landing in iPhone Safari.

Thank you for being here. ❤️

The headline this release: the register finally feels native on your phone. Search lives one tap away with suggestions you can tap, swiping a transaction clears or deletes it, and a floating + Transaction button is always within thumb's reach. Alongside it, fixing overspending becomes a single decision, Ready to Budget can be set aside for next month, quick date ranges land in the filters, and a lot more.

📱 The register on your phone

• New: search, one tap away. The magnifying glass in the toolbar opens a full-screen Search sheet: type, and matching categories, tags, accounts, payees, amounts, and dates appear as rows you tap to apply. Your active search shows as a bar under the toolbar; tap it to edit, or its ✕ to clear.

• New: swipe actions. Swipe a transaction right to reveal Clear or Unclear, keep going past halfway to apply it in one motion. Swipe left to delete. On a transaction in review, the same swipes become Approve and Reject.

• New: a floating + Transaction button on every register, replacing the cramped toolbar button. Adding from an account's own page keeps the transaction on that account.

• New: "Show uncleared transactions". When a register has uncleared transactions, a prompt above the list tells you how many and filters straight to them on tap.

• New: choose whether a transaction saves its location. Eligible new transactions show a small location action next to the payee, so nearby payee suggestions only learn the places you want them to.

→ Transactions · Searching transactions

🔍 Filters

• New: quick date ranges. The date filter starts with one-tap chips: This month, Last month, Last 3 months, This year, Last year, All dates. A saved preset keeps the range itself, not the dates it covered, so a preset saved with This month always shows the current month.

• Select all respects your search. Searching inside a category, account, payee, or tag picker and hitting Select all now selects the shown results, not everything.

→ Transactions

🧮 Budget

• New: covering overspending is one decision. Tap an overspent category's badge and just pick where the money comes from: no amount field, no direction toggle. The button says exactly what will happen, like "Cover $250.00" or "Covers $125.00 of $250.00". Fixing a negative Ready to Budget works the same way, and the credit card payment panel now offers Cover overspent categories right where it explains the problem.

• New: set Ready to Budget aside for next month. Money you want to keep out of this month's budget can now be deferred straight from the Ready to Budget card, joining the existing For Next Month category on transactions. One editor on desktop and mobile, with full undo.

• Open-ended goals get a Budget button. A goal with a target but no deadline now offers a one-tap Budget action for the remaining gap, and stays out of automatic goal funding, since it has no monthly ask to fund.

• Moving money suggests sane amounts. The move dialog no longer proposes more than the source category actually has.

→ Budgets & Categories · For Next Month · Budget Goals

🗓️ Calendar

• New: select a range of days. Shift-click a second day on the desktop calendar to sum everything in between, even across months: inflow, outflow, net, a category breakdown, and the transactions themselves in the side panel. Handy for "what's leaving before my next payday?"

🎨 Appearance & register polish

• Category colors are opt-in. The register starts in its quieter, ink-only look; turn colors on any time in Settings → Preferences.

• Categories show their group. Desktop register rows read House: Maintenance, so same-named categories in different groups stay easy to tell apart.

→ Themes & Appearance · Settings · Keyboard Shortcuts

Thank you for being here. ❤️

The headline this release: the register's search box becomes a real query language. Type Category:, Payee:, Outflow: >= 50, On:, Is: Cleared and stack them with commas, with suggestions as you type and each piece sitting there as a removable pill. Alongside it, categories, groups, and tags take any color you like rather than the 22 we picked; you can cover this month's overspending with money you've already budgeted for a future month; and transfers and card payments finally remember which account you actually pay from. A long run of fixes sharpens imports, analytics, loans, the budget table, and how the app reads on every theme.

🔍 Search & Filters

• New: search by field, not just by text. The register's search box now understands Category:, Tag: (or Flag:), Account:, Payee:, Note:, Inflow: / Outflow: with >=, <= and =, On: / Before: / After: dates, Income: July 2026, and Is: Cleared / Uncleared / Reconciled / Unreconciled. Separate pieces with a comma and a space to stack them: Category: 🛒 Groceries, Outflow: >= 50, After: 01/07/2026, market. Values within one field widen the search; different fields narrow it. Plain text still works exactly as it always did, #tag shorthand included.

• New: suggestions as you type. On desktop the box now offers matching categories, tags, accounts and payees with their colors, amount and date comparisons, income months, and cleared states, and it understands you before you finish: type inflow > 20 and it offers Inflow of at least $20.00. Everything it inserts is guaranteed to match the exact thing you picked.

• New: each piece becomes a pill. Committed parts of your search render as removable chips, ✕ to drop one, Backspace to pop the last, so a long search stays readable instead of turning into a wall of text.

• Saved presets keep every filter now. Cleared status and the money in / money out switch were silently dropped when you saved a preset. They're saved and restored with everything else.

• Pickers match past the emoji. Typing groc now finds the 🛒 Groceries group, on desktop and mobile, without the emoji getting in the way.

→ Searching transactions · Transactions

🎨 Colors & Appearance

• New: pick any color for a category, group, or tag. The color picker keeps the 22 presets and adds a custom section with a full picker and a hex field, so a category can be exactly the shade you want. If a color would be hard to see in light or dark mode, a quiet hint says so without stopping you. On a phone, creating and editing a category now opens as a bottom sheet.

→ Budgets & Categories · Tags · Themes & Appearance

🧮 Budget

• New: cover overspending from a future month. The cover flow gains a Cover from month picker listing future months that hold budgeted money. Borrow September's Dining to fix August's Dining, or pull from any other future category, and the amount is capped at what that month actually has budgeted. One undo puts both months back.

• Only categories with money to give show up. When you cover overspending, the source list used to include every category, including empty and overspent ones, which just moved the problem somewhere else. It now lists the categories that actually have money available, plus Ready to Budget.

• New: see the transactions behind your scheduled totals. The month overview card and the category side panel told you $1,230 was leaving in 12 transactions but never which twelve. Both now list them, and tapping one opens it. The list always matches the number in the badge above it, and the category card's date reads "Next on" rather than implying it's the only one.

• New: two keyboard shortcuts. ⌘/Ctrl + ↓ / ↑ expands or collapses every category group at once, and Shift+S snoozes or unsnoozes goals on whatever you have selected, multi-select included. Both are listed in the ? shortcuts overlay.

• New: collapse your groups while reordering them. Manage budget layout and Manage accounts get Collapse all / Expand all and a chevron per group, and picking up a group folds everything to its header so you're dragging a title bar past title bars.

→ Budgets & Categories · Budget Goals · Keyboard Shortcuts · Side Panel · Credit Cards

🧾 Transactions & Register

• New: transfers and card payments remember the account you pay from. Card payments used to default to the first account in the list, usually cash, rather than the account you actually pay the card from. Each account now remembers the accounts you last moved money from, and picking "Payment: Chase CC", a transfer, or a loan payment fills the source in for you. Manage payees → the account gets a Transfer source account card where you can leave it on Recent, pin a Fixed account, or turn it off, and your remembered accounts appear in the picker's "Last used" group. It works from your first session: we read your existing transfers to seed it.

• For Next Month, everywhere you categorize. It was missing from right-click quick categorize, the mobile actions sheet, and bulk categorize even when it applied. It's offered wherever it's valid now: on inflows, from last month onward, and on $0 placeholder rows (a recurring bill you fill in later can carry the category before you know the amount). Rows it can't apply to are skipped with the usual notice instead of failing the whole batch.

• A split whose bank amount differs no longer blocks approval. When the bank's amount doesn't match the split you built, every line you wrote survives untouched and the exact difference is added as one Uncategorized line for you to place. Your per-line tags, notes, and payees keep their identity, and the amount waits in Ready to Budget as "Uncategorized activity" until you categorize it. Approving these no longer needs "a balanced split".

→ Transactions · For Next Month · Accounts & Transfers · Manage Payees

📈 Analytics

• "Exclude current month" is escapable. Turning it on could empty a view, and the only control that turns it off lived inside the chart that had just disappeared, so the setting was stuck on with no way back. The toggle now sits in the filter bar above the chart, and an emptied view offers a one-tap Include current month.

• Income vs Expense sorts by name. Rows were ordered by their total across the whole range, a column usually scrolled off screen, so rows showing nothing but dashes sat above rows showing thousands, and the order reshuffled every month. It's alphabetical now, with internal transfers below the payees.

• Chart tooltips stay on screen. A tooltip on a narrow chart flipped left and slid under the sidebar. Tooltips are now kept inside the page, and long category, payee, and group names no longer stretch them across the screen.

• Drill-downs handle long lists. Clicking into a chart with thousands of transactions no longer bogs down.

→ Analytics & Reports

💼 Accounts & Loans

• New: create a loan before it's disbursed. A loan can start at a zero balance, so you can set up a newly approved loan and transfer the proceeds in when they arrive.

• New: loans with no minimum payment. Creating a loan no longer insists on a minimum of at least $0.01. With no minimum set, the Minimum tile reads "None", the Balance Forecast drops its "minimum only" comparison instead of comparing against nothing, the What-If simulator hides the column, and nothing renders as "--".

→ Accounts & Transfers

🔐 Signing In

• New: Sign in with Apple. Apple joins Google and password sign-in on the login form and in Settings → Connected accounts. On iPhone both Apple and Google open the native sheet rather than a browser page. Unlinking Apple properly revokes it with Apple, and deleting your account does too.

→ Account Security · Settings

Thank you for being here. ❤️

This release is about getting in and getting started. You can now sign in with a password, not just a one-time code or Google, and change your account email securely when you need to. New to Zerosum? One click now builds a fully worked sample budget so you can see how everything fits together before committing your own numbers. Alongside that, your budgeting history gains a Money Moves view, undo reaches back twice as far, and a long run of fixes sharpens analytics, charts, loans, bank logos, and the budget table.

🔐 Signing In & Security

• New: sign in with a password. Password sign-in is now the default way in, alongside Google and the email code you've always been able to use. Sign-up, sign-in, and forgot-password each get their own page, new accounts still verify your email first and then set a password, and forgotten passwords have a proper reset flow. Every password is checked against known data breaches, so you can't pick one that's already been leaked.

• New: change your email securely. You can now update your account email from Settings, with a verification step to confirm the change is really you. If you've connected a bank through Lunch Flow, Zerosum asks you to disconnect it first and walks you through reconnecting.

• Two-factor is now tied to your password. Setting up and managing two-factor authentication now uses your account password, replacing the older passwordless setup.

→ Account Security · Settings · Backups & Data Exports

🌱 Getting Started

• New: start from a sample budget. From the empty state or Manage Budgets, one click builds a complete six-month sample budget, real categories, goals, and transactions, so you can explore how Zerosum works before entering your own numbers. It's clearly badged as a sample and easy to dismiss when you're ready for the real thing.

→ Get started with Zerosum · Budgets & Categories

↩️ Undo & Redo

• New: see your money moves. The History panel gains a Money Moves view, a running record of every budgeting change from the last 90 days: what you budgeted, removed, moved, or auto-budgeted. Auto-budget runs expand to show exactly which categories changed and by how much.

• Undo reaches back further. Undo and redo now remember your last 100 changes, up from 50.

→ Undo, Redo & History

🧮 Budget & Polish

• The budget table flexes to your numbers. Columns now size to the widest amount actually in the month and to each row's name, so typical budgets fit without horizontal scrolling, seven-figure balances get the room they need, and your larger-text setting is respected throughout.

• Budget it all in one move. Assigning from Ready to Budget now prefills the full available amount in the card popover and mobile drawer, so "put it all here" is a single confirmation, with partial amounts still a keystroke away.

• Tidier money-change toasts. The little confirmations that appear when you move money no longer stack up over the entry area on mobile: a new one replaces the last, you can tap to dismiss, and they clear faster on touch.

• A cleaner sidebar and a refreshed logo. The sidebar footer now shows just your name (your email is still one click away in the menu), and the Zerosum logo across the app and browser tab moves to its tile lockup.

→ Budgets & Categories

Thank you for being here. ❤️

The headline this release: the app takes on whatever look suits you. Three new themes, Ink, Rosewater, and Lavender, join Midnight and Paper; a new high-contrast mode sharpens whichever one you pick for easier reading; and every last control now follows your theme instead of leaving grey patches behind. Alongside the new look, undo and redo get a proper home, with a real history sheet on your phone at last, and your scheduled and in-review transactions now show up on the calendar where you'd expect them.

🎨 Look & Feel

• New: three new themes. Ink, Rosewater, and Lavender join Midnight and Paper in Settings → Appearance. Ink is pure black and white, a crisp gallery white by day and a deep true black at night that's kind to OLED screens. Rosewater warms from a soft blush cream in light to a rich wine in dark. Lavender is a gentle violet, porcelain by day and plum after dark. Each carries its own light and dark side, so it follows the time of day with you.

• New: a high-contrast mode. An "Increase contrast" switch in Settings → Appearance deepens borders, text, and focus outlines so everything reads more clearly, and it layers on top of any theme in both light and dark. Turn it on and the setting follows you across your devices, just like your theme does.

• Every control follows your theme now. A few corners of the app used to stay grey whichever theme you chose: loading skeletons, checkboxes and switches, table-row hovers, some menus, even the theme picker on our marketing site. They all take on your theme now, in light and dark, so nothing looks out of place.

→ Themes & Appearance · Settings

↩️ Undo & Redo

• New: undo and redo on your phone. Mobile finally gets the full history. Tap the clock in the budget toolbar, or open it from the More menu, to bring up a history sheet with large Undo and Redo buttons and step back through your recent changes, the same way you already can on desktop.

• A tidier undo on desktop. Undo, Redo, and History now sit together in a soft pill at the foot of the sidebar, beside help and theme. The tooltips spell out exactly what each button will do ("Undo: Moved $30 from Groceries"), and the history list marks the next change to undo or redo and gives the row you land on a quick flash.

→ Undo, Redo & History

📅 Calendar

• Scheduled and in-review transactions now show on the calendar. A scheduled payment used to vanish from the calendar on the very day it was due, then reappear once you approved it. It stays in view the whole time now, in the day's dots, the day total, and the timeline, tinted amber while it waits for review. Early bank matches show up there too.

• Approve right from the calendar. Tap an in-review transaction on the calendar and you can approve, reject, or unlink it on the spot, without being sent back to the register and losing your place.

→ Scheduled & recurring transactions · Reviewing, matching & linking

🧾 Transactions & Register

• New: reorder what's coming up within a day. Order your scheduled transactions into the order they'll really happen, say rent before your paycheck, and the projected running balance moves with them, so you can see whether a day dips below zero before it actually does. Alt+↑ and Alt+↓ nudge a row up or down from the keyboard.

• Quicker inline editing. With a picker open in the inline editor, clicking another field now switches straight to it in one click instead of two. And clicking a particular cell of a selected row, its date, payee, category, or note, opens the editor focused right there, ready for you to type.

• The unsaved-changes guard now catches right-clicks too. With an inline transaction open and unsaved, right-clicking elsewhere used to slip past the "Save or cancel this transaction first" reminder, and could even open a menu you then couldn't dismiss. A right-click now gets the same gentle nudge as a left-click, and the reminder always sits right next to Cancel.

• Fast keyboard actions land on the right row. Arrow down to a new transaction and immediately press a shortcut like L to clear it, and the action now applies to the row you're on, not the one you just left.

• The selection bar stops hiding your last rows. With transactions selected, the floating action bar used to sit over the bottom rows with no way to scroll them clear. The register now scrolls a little further so those rows slide out from behind it. The bar also centers over the register rather than the whole screen, and on a phone it lifts above the bottom navigation and fits without clipping, even with a full set of review buttons.

→ Transactions · Keyboard shortcuts

Thank you for being here. ❤️