C Financial Companion

What's New

The latest features and improvements in your Financial Companion.

v6.6.0

October 26, 2026
Fixed
  • Loan payments: payments on a loan you track by hand are split into principal and interest in date order, even when you linked them newest first, so the balance matches your lender. Save the loan account once to re-split its payments.
  • Category dropdown: scrolling a long category list no longer snaps it back to the highlighted category, so you can reach the bottom.

v6.5.0

October 23, 2026
Home Projects
  • Home Projects (Pro): plan, budget and track work on your home, from a repair to a remodel, under Home Projects in the sidebar. Pick a kind of project to get the usual budget lines and a hiring checklist, set a contingency, and see Budget, Committed, Spent and Forecast at a glance, with a health badge that says why.
  • Compare contractor quotes: quotes sit side by side for each budget line, with strengths and red flags pointed out (far under the others, a large deposit, unlicensed or uninsured, no warranty, scope left out, expiring soon). Accept one to make it the contract, and track change orders against it.
  • Link your spending: link all or part of a charge to a project from the project or from the transaction drawer. Linked charges keep their category and budget, so nothing is counted twice. Add tasks, keep quotes, contracts, permits and photos with the project, and export every payment as CSV for your records.
  • Paying for it: see what’s left against your checking and savings and how many months of expenses you’d keep in reserve, with an optional Planned Expense and loan, HELOC or card link. AI Inbox warns when a project runs over budget or late, or a quote is about to expire, and the Dashboard can show your active projects.
Investments
  • Trend signals in plain language: a stock’s card explains what its 50- and 200-day averages, a golden or death cross and RSI say about it, with colour-coded signals and a guide to what a cross means.
  • Trend at a glance: each holding and watchlist card shows its trend (Uptrend, Pullback, Turning down and so on), and a Trend mix by value bar filters your holdings by it. The Watchdog digest tells you when a trend changes and holds for three sessions.
Loans
  • Payments split into principal, interest and escrow: a payment recorded on a loan you track by hand now lowers the balance by the principal only, so the account stays in line with what your lender reports. The split shows on the payment and on the Debt Planner card.
Fixed
  • Emailed receipts arrive in the review queue with their image again, so the file stays with the transaction.
  • AI Settings: saving a route right after saving a model no longer fails with “Routing changed. Reload before saving.”
  • Spending Search: the Category and Account dropdowns no longer open behind the cards below them.
  • Investments: the Edit and Remove buttons on the holdings table line up with the rest of the row again.
Security
  • Partners and Discord: a partner who is removed or leaves no longer receives the household’s Discord notifications, and Settings shows which webhooks a partner added. Webhooks added before this release have no recorded owner, so check the list once.
  • Disconnecting a bank and deleting its data now also undoes the loan payments and debt pay-downs those transactions recorded, and a double press on a receipt can no longer create the same transaction twice.
  • Hardening from the October 22 review: tighter permissions for read-only partners, no caching of app data, limits on large searches and imports, and updated dependencies, including the October Node.js security fixes.

v6.4.0

October 18, 2026
Spending Search
  • Spending Search: in Reports, see what you spent at a merchant over any period, such as Starbucks this year, charted against the period before. Add other spellings (Whole Foods or WFM), leave terms out, and filter by category, account and amount. Download it as CSV, Excel or PDF.
  • Saved reports: save a search to get a weekly, monthly, quarterly or yearly summary by email or Discord, an alert when it passes a spending limit, and a Discord post for each new matching charge.
  • Top merchants, subscriptions and rules: the search page lists the period’s biggest merchants. Results point out a repeating charge and its price changes, with Track as bill, and Create rule turns a search into a categorization rule.
Budgets
  • Plans that know the seasons: Plan with AI budgets a seasonal category from the same month in earlier years, sets aside a monthly amount for costs that come in a few large charges, and asks when spending has changed for good.
  • Pace alerts: a heads-up when a budget is on track to finish the month over, based on how that category’s month usually goes.
  • Automatic updates: opt a category in, and next month’s budget follows your spending within a limit you choose, with every change explained. A month you set yourself is left alone.
Discord
  • A channel per notification: add up to five Discord webhooks and choose where each notification goes, so the daily digest and spending alerts no longer share a channel. Your current webhook carries over as “Main channel”.
Matching
  • Rules and bills match from the start of a word: spacing and punctuation are ignored, so “Whole Foods” also finds WHOLEFOODS, and “UPS” no longer files a CUPS purchase. Rules can also leave descriptions out, such as gift cards.
  • Ask about my finances totals spending the same way Spending Search does, and can run your saved reports.
Fixed
  • Emails in dark mode stay readable: Apple Mail and similar apps no longer put dark text on a dark background.
  • Reports Overview: the Description column was blank, the last day of a range could miss transactions, and dates showed a day early in US time zones.

v6.3.0

October 16, 2026
AI controls
  • Reasoning effort: administrators can choose how much the AI thinks before answering, from Low (fastest and cheapest) to Max, in Admin → AI Settings → AI preferences. It can be set app-wide and adjusted for each feature, for example Low for categorizing and Medium for finance chat.
  • Google Gemini and xAI Grok: both can now be connected as AI providers alongside Anthropic, OpenAI, OpenRouter and local models, with model discovery, pricing and the effort setting.
Lower AI cost
  • Ask about my finances: earlier parts of the conversation are reused from cache instead of being paid for again on every step.
  • News sentiment: the daily pass runs as one half-price batch. Scores and briefs appear about an hour after the 6pm ET pass.
  • Monthly budget review: runs once a month, and only when there’s a Discord channel to send it to.
Fixed
  • AI spend estimate: Claude requests on models without a saved price counted as $0 “unknown cost”, so the estimate was too low. They’re now priced, and earlier requests were repriced. When an Anthropic billing key is saved, the headline shows the billed amount.
  • Cached AI input is billed at the cached price instead of the full input price.

v6.2.1

October 16, 2026
Security
  • Sign-up is by invitation: a new account needs an invitation. An owner can invite a partner from Settings, and an administrator can invite a standalone Free or Pro account from Admin → Invite a user. A partner’s Pro features follow the plan of the account that invited them.
  • Signing out other sessions sticks: sessions end 24 hours after sign-in, even while you’re active, and a signed-out session can’t come back. Changing your password, email, two-factor setting or a partner’s access also disconnects Discord; send /link again to reconnect.
  • Two-factor codes work once: a code that’s already been used is refused, even within its 30 seconds.
  • Login lockout only counts failed attempts: someone else typing your email can no longer lock you out, and you get one lockout email instead of one per attempt.
  • Co-owner portal links: links are stored scrambled. Regenerating a link, or changing a co-owner’s email, cancels the old one. The portal no longer shows your private notes about the co-owner or their credit balance.
  • Microsoft receipt mailboxes: Microsoft sign-in only connects to Outlook, and only for a mailbox the administrator has assigned to your account.
  • AI chat: text from transactions, memos and news is treated as information, never as instructions. Discord replies no longer show link previews or ping anyone.
  • Disconnecting a bank also revokes the link at Plaid, so it stops being active there.
Shared expenses
  • “Shares expenses from” date for co-owners: a co-owner you add today only shares expenses from today on. Tick Include all past expenses to bill earlier ones. Existing co-owners keep their full history.
  • Settled shares stay settled: changing a co-owner’s ownership percentage no longer rewrites or removes shares that are already settled or waived. Only open shares are recalculated.
Fixed
  • Manual refunds survive a bank sync: marking a transaction as a refund is no longer undone by the next SimpleFIN or Plaid sync.
  • Disconnecting a bank keeps your history: its accounts and transactions stay as manual accounts. Deleting them is a separate checkbox.
  • Deleting things no longer takes more than you asked:
    • Deleting a category group keeps its subcategories.
    • Deleting a property with a settled co-owner ledger asks you again first.
    • CSV import keeps two genuine identical purchases on the same day.
  • Money math:
    • Splits must add up to the cent, and the default halves carry the odd cent.
    • Pay periods no longer shift by a day in US time zones.
    • Reconcile adjustments no longer count as income or spending.
  • “Database is locked”: a bank sync or background job writing at the same moment as you no longer makes your save fail. Background jobs also no longer run twice, which could send duplicate digests.

v6.2.0

October 14, 2026
Know where your money is going
  • Budget alerts: you hear about a budget when it crosses 50%, 75% and 100% of its monthly limit, and get a warning once it goes over. Each level is announced once per budget per month.
  • Weekly spending report: every Monday, a donut chart of this month’s spending by category plus the last 7 days’ total.
  • Both arrive by email for the owner and each partner, with separate switches in Settings → Notifications, and once in the household’s Discord channel, with toggles on the Discord card.
Easier to use
  • Settle by co-owner: settling a shared expense asks who the payment is from, so one co-owner’s payment no longer marks everyone settled. Each co-owner in the ledger has their own Settle button.
  • Searchable category lists: type to filter by category or group name. Arrow keys, Enter and Escape work too.
  • /feedback in Discord: report a bug or idea, with an optional screenshot, without opening the app.
Fixed
  • The PDF and photo compatibility tests in AI Settings can now pass.

v6.1.0

October 14, 2026
Plan your debt with AI
  • Build a Debt Plan with AI: the Debt Planner reads your recent income, spending, budgets and bills to suggest what you can afford, compares strategies for the goal you pick, and lets you choose which debts get the extra money. Every minimum stays covered, and you’re warned about a shortfall. Review and edit before applying; you can restore the previous plan once.
  • Mortgage escrow and payoff dates: mortgage taxes and insurance stay reserved after the loan is paid off, and payoff dates line up with the schedule months.
Budget help in the AI chat
  • A trimmed budget plan to confirm: ask “where can I cut back?” in Ask about my finances and the assistant uses the Budget page's recommendations to propose new amounts for several categories on one card. Nothing changes until you tap Confirm, and the plan is refused if any of those budgets changed in the meantime.
  • Confirm from Discord: proposals made in a Discord conversation now arrive as a card with Confirm and Discard buttons, instead of a reply that mentioned a button you could not see.
Household and investments
  • Manage partners in Settings: change a partner’s access between read-only and joint manager, edit or revoke a pending invitation, or remove a partner. Partners can leave on their own. An access change signs the partner out of their existing sessions.
  • Investment polish: clearer Money Advisor workflows, Watchlist filters and stock cards, and a stock detail page that leads with what you need first.
Fixed
  • Reconcile Account: the default Add Adjustment Transaction option failed with “Invalid method”. It now records the difference as a dated Balance Adjustment transaction.
  • “Conversation exceeds this task’s context budget”: the chat’s input limit was counted in characters instead of tokens, so ordinary budget questions ran out of room after a couple of lookups. It now allows about three times as much, and a conversation that really is too long asks you to start a new chat. Questions that need many lookups now set aside older results instead of failing.
  • Safer upgrades: the startup database backup is verified, and the app won’t start if the backup fails.

v6.0.0

October 7, 2026
Investment research and evidence
  • Trend & momentum: dated RSI14, SMA50/200 and recent crosses share one completed-session history. Add optional chart lines, filter your Watchlist and opt into technical Watchdog changes for each security. Missing, stale and unverified history stays labeled and cannot notify.
  • Stock decision grade preview: separate Long-term and Swing assessments with dated reasons, factors, private history and optional in-app grade-change alerts. SEC/Finnhub/Twelve Data preparation uses existing sources; incomplete or unsupported evidence remains insufficient. The preview and automatic collection/refresh switches default off.
  • Research workspace: Overview, Research Agents and Saved Reports bring Stock Diagnostics, eight report types and sourced exports together. Purchase previews preserve cash, commitments and concentration calculations; Smart Money distinguishes evidence dates from disclosure dates.
Independent AI connections
  • Simpler AI Settings: Connections & models opens first, with clear setup steps and app-themed light/dark cards. AI preferences and Usage & spending have separate views. Advanced connection, pricing, compatibility and feature limits remain available in expandable sections. Unsaved preferences are retained when switching sections; existing routing, backups, privacy and spending controls are preserved. Matching field sizes and clearly separated expandable sections finish the settings layout. AI Inbox now presents chat modes as two themed choices with clear data-access descriptions and keyboard support.
  • Save multiple provider/local connections, discover models, and let administrators assign each task and its approved backup. Simple chat avoids financial records/tools; Ask about my finances retains the guarded tool and confirmation flow.
Security, reliability and bug fixes
  • Connection-bound encrypted AI keys, administrator-only routes, local-only destination checks and no fallback after tools run. Private investment preferences, grades and exports retain owner checks and noncacheable responses.
  • Fixed saved-report response races and revision readback, split-revision mixing, range-dependent indicator readings, false alert resolution during outages and a duplicate pending cache-table migration definition.
  • Atomic source/history budgets and complete split-adjusted window replacement preserve evidence on failure. A missing latest daily close retries after fifteen minutes while alerts stay paused.

Activation and limits: 6.0.0 is the application release version. Production deployment, migration review and live AI activation remain pending. Grade predictive validation remains open. Hard dollar-capped image/PDF extraction remains blocked; historical batch/live-search adapters require Anthropic. RSI/grades do not place trades or change your real finances.

Additional improvements in 6.0.0

Included
October 7, 2026
Investment research and practice
  • Smart Money and Research: private Following, notes, Updates, weekly summaries, SEC manager discovery, sourced quarter comparisons and four additional Research reports. Local acceptance is complete; production rollout remains separate.
  • Paper portfolios: private simulations with dated valuations, benchmarks and CSV exports now include long calls and puts, manually entered premiums, payoff previews and explicit expiration outcomes.
  • Listing comparisons: compare first-year and recent histories for selected space companies, with peer selection and missing-history labels. Broader IPO timing analysis remains open.
Privacy and data integrity
  • Following, notes, Updates and paper portfolios stay with the signed-in profile. Personalized investment responses prevent caching and Research changes enforce partner write access.
  • Durable source request budgets, evidence-gated identities, amendment checks and guarded fresh SQLite initialization. Production database review and independent security retesting remain separate.
A Simpler Daily Planner
  • See today's spending money at a glance: One summary shows what is left for everyday purchases. Open How this is worked out to see the calculation, or Check a purchase to preview an extra expense.
  • Keep the calendar front and center: Switch between month and week views, select a day once to see its transactions and scheduled bills, and use Today to return to the current date. The summary continues to describe today while you browse other days.
  • Know what each amount includes: The calendar shows recorded spending, including bills. Today's plan leaves out recognized recurring bills and portions paid from planned savings. Spending trends is available when you want a month-end estimate.
  • Set up a plan when you need one: Choose category budgets, saved income settings, or a custom daily amount. If no source is available, the page guides you through setup instead of showing a made-up allowance.
A Shorter, Smarter AI Review Queue
  • No More Already-Answered Questions: If you categorize a transaction yourself, with a rule, or by splitting it, its AI suggestion now leaves the review queue on its own instead of waiting forever for you to reject it.
  • Accept All at a Confidence: One click accepts every suggestion at 95%, 90% or 80% confidence and up. Rental property and Schedule E suggestions still wait for you to look at each one.
  • Dismiss All: Clears the queue without changing any transactions, after asking you to confirm.
  • Grouped by Merchant: Repeated charges from the same place with the same suggestion show as one row — accept or dismiss all of them at once, or open the group to go one by one.
Shared Expense Monthly Statement Email & Scoping Overhaul
  • Resilient, Non-Crunched Email Layout: Replaced brittle flexbox containers with email-standard table markup and explicit column widths (70% description, 30% amount). Currency figures use Unicode non-breaking hyphens (‑) so negative amounts and numbers never wrap across multiple lines on mobile or desktop clients.
  • Two Separate Tables in the Email: Statement transactions are now cleanly separated into Outstanding Expenses (what is actively owed, ending in a prominent Total Balance Due) and Settled Expenses (receipt history with green [Settled] badges). If no expenses were settled during the month, the settled table is hidden to keep the email concise.
  • Waived Expenses Excluded: Covered and waived charges are completely omitted from the statement tables, eliminating any confusion where a partner might mistake them for payable debt.
  • Rolling Statement Window: Settled transactions from earlier months now automatically drop off future monthly statements rather than accumulating into a 12-month ledger. All active unpaid pending balances continue to carry forward until settled.
Co-Owner Guest Portal Data Integration & StatCards
  • Real-Time Partner Dashboard: Resolved a data mapping mismatch so that clicking "Review & Settle Balance" (or "View Property Portal") in the email takes partners to a live, personalized dashboard displaying their true ownership percentage, active balance, and property details.
  • Responsive StatCard Grid: Integrated standard StatCards for Ownership Share, Outstanding Balance (alert coral when payment is due, brand green when caught up), Total Settled, and Total Active Expenses.
  • Itemized Ledger & Receipts: Partners can view their itemized outstanding and settled expenses with UTC-safe date formatting, full bill amounts, individual shares, and direct receipt image viewing.
3-in-1 Partner Notification Verification System
  • Live Delivery Indicators: Shared Expenses co-owner balance cards now display real-time notification status ("Notified today at 2:15 PM", "Notified Sep 5", or "Never notified"), updated immediately upon sending.
  • Instant Delivery Receipts: Notifying a partner via the Bell icon now provides an immediate confirmation toast with the recipient's email and timestamp.
  • Notification Delivery & Audit Card: The Co-Owner Detail Modal includes a dedicated audit card displaying recipient email, schedule, last notified timestamp, and owner confirmation mode.
  • Configurable Owner Email Confirmation Preferences: Granular control over how you want to be notified. Choose between In-App Status Only (keeps your inbox clean), Lightweight Delivery Receipt (clean, single-paragraph summary of what was delivered), or Full CC Copy.

AI connections and routing

Included in 6.0.0
October 7, 2026
Independent AI connections and task routing
  • Use multiple providers together: save independent Anthropic, OpenAI, OpenRouter and local/self-hosted connections. Adding a key does not replace an existing connection.
  • Fetch new models: provider discovery and background catalog refresh preserve your selections. New models stay disabled until an administrator checks and enables them.
  • A model for each job: administrators assign primary and approved backup models for chat, reports, receipts and other tasks. Local-only tasks cannot use cloud destinations. User model preferences no longer override routing.
  • Two chat modes: Simple chat answers general questions without financial records or tools; Ask about my finances uses your data and the existing confirmation flow. Answers identify the serving model and approved backup usage.
  • Controlled fallback and usage: temporary failures may use an approved backup before tools run. Request/monthly estimates, token/round/time limits and durable batch reservations help administrators control usage. Submitted jobs retain their original model connection.

Activation still required: local build, automated checks and desktop/mobile review passed. Configure provider credentials, run live capability and representative task checks, and apply the routing migration before production activation. Release numbering does not establish production deployment.

Current limits: historical batches and live source search require Anthropic. Image/PDF requests with hard dollar caps remain blocked pending reliable input-token counting; file-size, output and timeout limits remain available. Unknown cloud prices block cost-capped requests. Preview features retain their documented activation and acceptance requirements.

v5.0.0

September 22, 2026

The changelog records the Smart Money tracker foundation and improvements to the AI Review queue, including merchant groups, confidence-based bulk acceptance and dismissal of answered suggestions. Later investment work is included in the 6.0.0 release above.

v4.7.0

Earlier release
September 3, 2026
The Daily Check‑In Stopped Repeating Itself
  • It only speaks when something is new or has actually got worse. Before, every reminder was recalculated from scratch each morning with no memory of what it had already told you, so a budget sitting at 92% produced the same message every day until the month ended. A condition that has not changed is now tracked and counted, but not restated.
  • “Got worse” is marked. When something does come back it is because it genuinely deteriorated — a budget crossing its limit, unpaid rent growing by another month — and it is labelled so you can tell it apart from something you are seeing for the first time.
  • New “I know” button, which never expires. Snooze was a timer: it hid a reminder for a week and then handed it straight back unchanged, which is why snoozed items kept resurfacing. I know is a decision instead. It stays quiet until the situation actually worsens, and it also drops the item from your weekly summary. Snooze is still there for something you mean to come back to.
  • Urgent things are never hidden, only quietened. Once you have been told about unpaid rent it shrinks to one line in a collapsed Still open list with a count of how many days it has been outstanding, rather than either shouting daily or disappearing.
  • A weekly roundup, so quiet is not the same as broken. Because the daily check‑in now stays silent on days when nothing changed, once a week you get a short summary of everything still outstanding. It raises nothing new, and leaves out anything you marked I know.
  • The assistant stops re‑raising the same observation. Its own extra notes were re‑derived every morning from the same 30‑day comparison, so “clothing spend jumped” stayed sayable for a month. It is now shown what it recently said and asked not to repeat it.
Fixed: Two Bills From The Same Company Were Averaging Each Other
  • Two electricity accounts, one personal and one on a rental property, were being fed the same pile of charges. Bills were matched on the words in the description alone, so “Eversource” caught both accounts and the app then averaged all of them together. Both were reported off the same $188.89: the $250 account looked down 24% and the $11.52 account looked up 1540%, urgent — from one number that described neither of them.
  • Each charge now belongs to exactly one bill. The category you filed it under decides first, then the account, then the bill’s own amount limits, then which expected amount the charge is closest to. If you have two bills from the same company, putting them in different categories — or on different accounts — is now enough to keep them apart.
  • A bill can still be reported as wildly over. The matching stays deliberately loose on the amount, because a bill being far off its usual figure is the whole point of the alert.
Investment Account Auto-Detection & Blue Transfer Styling
  • SimpleFIN auto-detects retirement and brokerage accounts. When linking accounts through SimpleFIN, accounts with investment holdings or from known investment platforms (Vanguard, Fidelity, Schwab, Empower, Principal, TIAA, Merrill, Robinhood, etc.) are now automatically typed as Investment. The detector prioritizes retirement plans (like 401(k) Savings Plan and Thrift Savings Plan) before generic savings, preventing them from being misclassified as checking or savings accounts.
  • Automatic transfer propagation when changing account types. If an account's type is changed to Investment on the Accounts page, all of its existing transactions are automatically updated to transfers. You never have to manually edit old transactions to fix their styling or totals.
  • Consistent blue transfer styling across all screens. Transactions on investment accounts now reliably show the blue Transfer badge and transfer color across the main Transactions table, the expanded account ledger on the Accounts page, the Dashboard, and the edit drawers.
  • Recategorization protection. Updating notes or categories on investment account transactions no longer removes the transfer status or paints contributions as red expenses.
Track Cryptocurrency
  • Coins now sit alongside your shares — same portfolio, same totals, same charts and price‑target alerts. Search for BTC or bitcoin in the Watchlist box and the coin appears at the top of the results, labelled as crypto.
  • A crypto symbol includes the exchange it trades on, so Bitcoin is BINANCE:BTCUSDT rather than BTC. Picking it from the search results fills that in for you, and if you type a bare BTC into the add‑a‑position form it offers you the coin instead.
  • This avoids a genuinely dangerous mix‑up. BTC, ETH and SOL are also real stock tickers for unrelated companies. Tracking BTC would have quietly given you a thirty‑dollar share instead of Bitcoin, and since that is a perfectly valid price for a perfectly valid stock, nothing afterwards could have spotted the mistake.
  • Small amounts and small prices stay accurate. Crypto quantities keep eight decimal places instead of four, so a fraction of a coin isn’t rounded away, and a coin worth less than a dollar now shows enough decimals to still be a price rather than $0.08. Price‑target alerts read properly for cheap coins too.
  • Research reports and company news stay stock‑only. Those read filings made with the SEC, and a cryptocurrency has no company behind it to file them — so asking now tells you that plainly instead of producing an empty report.
Save Research Reports as PDFs
  • Download PDF on any finished report. Every completed research report now has a Download PDF button that saves it as a clean, printable document: the company and date at the top, the numbered sections, what the report could not see, and the full source list with working links, with a note on every page that this is research rather than advice.
  • It is a proper typeset document rather than a picture of the screen — you can select and search the text, it prints on white paper instead of the app’s dark theme, paragraphs are not sliced in half at a page break, and the file is a few kilobytes instead of several megabytes.
  • Company dossiers. If you have run more than one report on the same company, a single button above the report list combines all of them into one PDF with a contents page — the brief, the earnings breakdown, the deep‑dive and the memo in that order, whichever order you ran them in.

v4.6.0

September 2, 2026
Shared Expenses — “Cover This Myself” Works on Split Receipts
  • Fixed: claiming a shared expense yourself could fail with an unrelated error. This happened specifically on expenses that came from a receipt split across categories, where only part of it was filed to a property. Covering the expense now works the same way whether the whole receipt was filed or just one piece of it, and undoing it restores the original split rather than starting over.
Retirement & Brokerage Accounts No Longer Inflate Your Spending
  • Fixed: a 401k payroll contribution was showing up as household spending. Your paycheck already arrives short by however much goes into your 401k, so counting that deduction again added spending that never actually happened — a $790 contribution was inflating your totals by $790. Retirement and brokerage account activity — contributions, dividends, internal transfers — is no longer counted as spending or income. The transactions still show up in your account history; only the totals stop double-counting them. Money you actually withdraw and spend from those accounts still counts, exactly as before.
  • Two related counting bugs are fixed alongside this: a rule that files something under “Transfer” now correctly excludes it from spending even when the rule runs automatically, and the Budget page now agrees with every other screen about which transactions count as transfers.
Planned Expenses — Saving Ahead No Longer Makes a Month Look Like a Blowout
  • Fixed: paying a bill from money you'd already saved for it made that month look like overspending. If you saved $400 toward an $1,800 property tax bill over several months and then paid it, the whole $1,800 was previously either counted as new spending (making the month look bad) or hidden entirely (making a partially-funded bill disappear from your totals with no explanation). Now only the part you hadn't already saved for — the $1,400 — counts against that month, and the $400 that came from your fund shows as planned.
  • This fix reaches everywhere a month's spending is shown: the Daily Planner, Reports, Dashboard, Budget, no-spend streaks, the Watchdog's spending alerts (an annual insurance bill no longer triggers a false "spending spike" alert), and the investment advisor's savings recommendations. Your savings rate also stopped drifting upward over time — money going into a fund and money coming back out were both being counted as savings, which counted the same dollar twice.
  • The Paycheck Planner's suggested contribution amount also stays accurate now instead of drifting once new transactions arrive, and the year-end CSV export still shows amounts exactly as your bank recorded them — with new columns showing what was planned and what was covered by savings, for anyone doing your taxes.
Bank Sync — Fewer False Alarms, Faster Recovery
  • Fixed: a bank connection that was simply slow to respond was being reported as unsafe. When your bank sync fetches a lot of history at once, it can take a while to come back — that used to be mistaken for a security problem and reported with an alarming message about the connection being blocked. It's now correctly identified as a slow response, and the connection is given more time to finish before giving up.
  • When a sync does fail, the reason is now saved permanently instead of being erased the next time a sync succeeds — so a problem that happens overnight isn't invisible by the time you check in the morning.
Behind the Scenes — Smoother Background Updates
  • Several of the app's automatic background tasks (like the morning summary and receipt checking) used to all start at the exact same moment each hour, which could very briefly slow the app down. They now start a few seconds apart from each other automatically, with no change to what they do or how often they run.

v4.5.4

August 31, 2026
Rent Paid Late Now Counts for the Right Month
  • Fixed: a tenant who paid near the end of the month had it credited to the next month. Each month only looked for payments up to about three weeks after rent was due. Rent that arrived on the 27th fell outside its own month and inside the following one, so Find rent payments booked it as an early payment for next month instead of a late one for this month. Months now look about six weeks ahead, so late rent lands where it belongs.
  • When two months could both claim a payment, the older unpaid one gets it. That is how a rent balance normally works — money arriving while a month is still outstanding pays that month first. A month you have already marked paid, waived or vacant never claims anything, so an early payment still goes to the coming month once the previous one is settled.
  • New: you can now put any deposit on any month yourself. Open a month and click Find a deposit. Every deposit not already attached to a month is listed — closest to that month's due date first, each one labelled with how early or late it arrived — and there is a search box for finding one by description or amount from any date at all. Previously the month pop-up could only offer what the automatic scan had found for that month, which meant that on the one month it got wrong, there was nothing to pick and no way to fix it.
  • To move a payment off the wrong month: open that month, click the unlink icon next to the deposit, then open the correct month and use Find a deposit to attach it there. Nothing is deleted at any point — the deposit stays in your ledger throughout.

v4.5.3

August 31, 2026
Part-Property Bills Now Show Up on the Shared Expenses Tab
  • Fixed: charges filed one half at a time never reached Shared Expenses. When you filed just the property half of a split bill, the app worked out what each co-owner owed and saved it — your co-owners could even see it on their portal link — but the Shared Expenses tab did not list it, the balances did not count it, and it was missing from the pending totals, the year-end CSV export, the analytics breakdown and anything you asked the assistant about who owes what. All of those now show it. Charges you filed earlier appear as soon as you open the tab; nothing needs re-filing.
  • The amount shown is the property's share of the bill. A $120 power bill with $100 filed to the duplex is listed as a $100 shared expense, tagged of $120.00 so it is clear the rest of the bill went elsewhere. Before, a row could show $120 next to co-owner amounts that only added up to $100, which looked like the app had the bill wrong.
  • Fixed: changing a co-owner skipped these bills. Adding a partner, removing one, or changing anyone's ownership percentage re-splits the property's expenses — but part-property bills were left behind on the old percentages. They are re-split with everything else now.
  • Fixed: a rule that files charges automatically never told your partners. With File automatically at sync ticked, matching charges were filed to the property the moment they arrived from your bank — but no partner shares were worked out, and none of the three ways charges come in (either bank connection, or a CSV import) did it. The charge sat on the property’s books, out of the Inbox because it already had a property, and off the Shared Expenses tab because it had no shares. Nothing on screen said so. Now every route in creates the shares.
  • The Inbox shows the whole year now. It only ever listed the 200 most recent unfiled charges and dropped the rest silently — so anything older simply was not on the screen, and looked exactly like a rule that had never run. There is no cut-off any more. The list loads 150 at a time with a Show more button so it still opens instantly, and the header tells you how many are waiting.
  • You can search the Inbox. Type a payee or account — Water Department, say — and the list narrows to matching charges across the whole year, not just the ones already on screen. Select all then applies to what you searched for, so you can file a year of one bill in a couple of clicks. If nothing matches, it tells you where else the charge might be — including that the year selector at the top of the page scopes this list.

v4.5.2

August 31, 2026
Bills That Are Part Property, Part Personal Now Reach the Inbox
  • Split charges were invisible in the Properties Inbox: if you split a bill — say a $120 power bill that is $100 for the building and $20 for your own half of the house — the property portion never appeared in the Inbox waiting to be filed. Nothing was wrong with your split or your rule; the Inbox simply skipped anything that had been split, which is exactly the kind of charge that most needs sorting out. It no longer does.
  • Each half is its own line now: the Inbox lists the parts of a split charge separately, tagged Split 1/2 · of $120 so you can see a $100 line belongs to a larger bill. File the property half to a property and Schedule E category, and mark the personal half personal — independently. Previously there was no way to say “the $100 is the duplex and the $20 is mine” and have both stick.
  • Fixed: filing a charge here never told your co-owners. Assigning an expense to a property from the Inbox put it on the property's books but never created the co-owners' shares, so it never appeared on what they owe. It does now — file a $100 property charge on a duplex you own half of, and your co-owners' portions show up on the Shared Expenses ledger straight away.
  • Split rules can suggest again: a rule that splits a recurring bill can now point its property half at a property and Schedule E category, and matching charges arrive in the Inbox with that suggestion ready to accept in one click. Split rules were previously left out of the suggestion system entirely.
  • Your own filing survives a rule re-run. Re-running a splitting rule used to wipe out anything you had filed by hand on that charge. It now keeps your answer wherever the rule itself has nothing to say.
  • A rule half won't quietly file itself to a tax form. Like whole-transaction property rules, the property half of a splitting rule now only files itself automatically if you tick File automatically at sync on it. Otherwise it suggests, and you click. Suggestions also now learn from split halves — file the building's share of the power bill a few months running and the app starts proposing it.
Paycheck Planner Knows Whose Spending Is Whose
  • Point a person at their category: each household member can now be linked to the category their own spending lands in (e.g. Personal → Jim). Anything filed there is charged to that person instead of the shared household pot — no tagging individual transactions. Set it under Household → Members; leave it on Not tracked separately and nothing changes.
  • Fixed: names in descriptions were being matched. Attribution used to look for a member's name inside the transaction description, so a shared Sam's Club run was charged to Sam — and so were Samsung and Balsam. Jimmy John's went to Jim. That guessing is gone.
  • Fixed: personal spending was counted twice. A pay period built from budgets added everyone's personal budgets into the shared expense total and deducted the same money from each person's payout, making the household look more expensive than it is and shrinking everybody's take-home.
  • Fixed: automatically created pay periods came out empty. Pay periods drafted for you on schedule recorded no personal expenses at all — every one had to be corrected by hand.
Shared Expenses — Expanded Settle Candidate Search Lookback
  • Settle Candidate Search Lookback: Expanded candidate deposit transaction lookback from 50 to 250 records, ensuring older incoming payments and high-volume bank accounts surface cleanly in the settlement linker.

v4.5.1

August 29, 2026
Custom Rules UI & Responsive Framing
  • No-Scroll Rules List Layout: Completely eliminated horizontal scrolling on the Active Automation Rules list on desktop and laptop screens with responsive CSS grid framing (320px minmax(0, 1fr)) and auto-sizing table layout.
  • Proportional Columns & Compact Details: Rule Name, Conditions, Actions, Status toggles, and Run/Edit/Delete action buttons now fit cleanly across standard screens without cutting off columns.
  • Streamlined Rule Creation Form: Category, Tags, Target Account, and Link to Debt fields now stack cleanly inside the sidebar card for full-width input legibility.
  • Mobile Card Support: On small screens (≤ 640px), rules format into individual touch-friendly cards.
Investment Research & Market Pulse
  • Research Reports Built on Real SEC Filings: A new Research tab on Investments with four pre‑configured agents: a company brief, an earnings breakdown, an annual report deep‑dive, and a thesis & risk memo. Pick a company you hold or watch, pick a report, confirm the cost, and it downloads that company’s actual 10‑K or 10‑Q from the SEC and writes the report from it. Reports are saved and reopenable.
  • The Report Can’t Invent Numbers or Fumble the Maths: Asking an AI to “analyse a company” from nothing produces something that looks like analysis with figures that quietly don’t add up. So: every run reads the real filing first and must say “not available” rather than guess; every growth rate and margin is calculated by the app from the company’s filed numbers and handed over as fixed fact, leaving the model no arithmetic to get wrong; every claim carries a marker linking to the exact source behind it; and asking for a report on an ETF or a foreign listing is refused up front with a plain reason instead of answered confidently. Each report ends with what it could not see.
  • Click a Stock, See the Whole Picture: Watchlist cards and the tickers in your Holdings table now open. Inside: a price chart over one month, three, six, or a year; the 52‑week range, market cap, P/E, dividend yield and next earnings date where they're reported; a written brief of what the news has been saying; and the five latest headlines with what each means for a holder. Own it as well as watch it, and the same panel shows your shares, their value, your gain or loss, and which accounts hold them. Nothing on the panel can place a trade.
  • “The Story So Far” — a Week of News in One Read: Every symbol now gets a short written brief: two or three sentences on what actually happened, up to four bullets naming the specifics, and whether the week reads positive, negative, or neutral. It's written automatically each evening as part of the run that already sorts the day's news, so it stays current at no extra cost — and if you want it sooner, one button writes it on the spot. It describes rather than recommends, and when a week is all listicles and price recaps it says so instead of inventing a narrative.
  • Market Pulse Filters by Symbol: Following a dozen companies used to mean one undifferentiated wall of headlines. A row of tickers now sits above the feed — tap one for just that company, tap it again for everything, or click the ticker on any story to do the same. It stacks with the kind filter, so “analyst notes on NVDA” is two taps. And when a filter comes up empty, the page now explains why rather than looking broken: the kind is worked out once a day, so news collected since last night sits under All until this evening's run.

v4.4.0

August 24, 2026
Added & Improved
  • Choose who a shared expense is split with: not every bill on a shared property is shared with everybody. Every property expense now has a Shared with row — you and each co-owner, all switched on. Tap someone off and the bill splits between whoever is left, in their usual proportion: a $60 internet charge on a property you own 34% of with two housemates at 33% each becomes $29.55 for the one who's on it and $30.45 for you. The amounts are shown before you save. Prefer to cover the missing person's portion yourself? One toggle. You can even switch yourself off, making an expense entirely your co-owners'.
  • Set it once for a recurring bill: the same control sits on automation rules and on a property's recurring expense templates, so next month's internet charge lands with the right people on it without you touching it.
  • Nobody who has already paid can be quietly removed: a co-owner who has settled or is disputing their share is greyed out until you unsettle it.
  • Fixed — Override Split now works on properties you own a share of: it used to insist the co-owners' amounts add up to the whole expense, with no row for your own share, so on a 34/33/33 property the Save button could never be enabled. Your share is now its own line, and a co-owner added after the expense was recorded can finally be given an amount instead of being silently dropped.
  • Fixed — Recurring Expense Templates: the list was always empty and saving a template silently did nothing. Both fixed, with a proper category picker.
Changed & Fixed
  • Streamlined Monthly Category Budgets: Category budgets now cleanly represent monthly spending targets without confusing frequency dropdowns. Setting limits is simpler, and non-monthly or irregular bills (such as insurance, property taxes, or annual subscriptions) are saved for ahead of time in the dedicated Planned Expenses section.
  • The Daily Planner now answers “how much can I spend today?”: the number in the middle of the dial used to be your budget position for the month so far, shown in a daily-looking gauge — so “$400” read as spend $400 today when it meant you're $400 ahead for the month. It is now what it always claimed to be: your remaining spending money divided by the days left. The dial prints that division underneath it, so you can check the figure by hand.
  • Rent day is no longer a crisis: your recurring bills are set aside for the whole month up front and left out of the spending the dial measures. A mortgage leaving your account on the 1st used to drive the planner deep into the red for a fortnight before it slowly healed. It now doesn't move the dial at all. Bills paid today are noted beneath the dial as context rather than counted against your day.
  • Enter your bills to switch this on: the planner can only set aside what it knows about, so rent, loan and utility payments need to exist on the Recurring page. If the dial collapses on the same date every month, that date is naming the bill you haven't entered — and there's now a prompt under the dial when very little has been reserved. Savings transfers and card payments need nothing; they were never counted as spending.
  • One subscription no longer hides a whole category: spending was previously judged fixed or discretionary by category, so a single Netflix bill filed under Entertainment made every entertainment purchase all month invisible to the dial, the 7-day chart and the streak counter. Each transaction is now judged on its own, using the same match the Recurring page shows you when you set the bill up.
  • Spending Pace now forecasts instead of repeating: the card restated what the dial already showed, computed a different way so the two could appear to disagree. It now projects where your current rate finishes the month — “spending $84/day ends the month at $2,600 of $2,900”. The “Trending Over” warning is gone; it fired while you were still comfortably inside your budget.
  • Month-End Projection replaced by Spending money left: the old card showed what you were still permitted to spend under a heading that read like a forecast of what you'd have left. It now plainly shows the remaining pool, how many days it covers, and how much has been set aside for bills.
  • Fixed: the ring around the dial could only read 0% or 100% once you were behind for the month — nothing on a day you spent nothing, full red the moment a single dollar landed. It now tracks the day continuously, whatever size the purchase.
  • Fixed: a category budget that didn't cover your rent left the planner permanently negative, because rent was counted as spending while never being part of the budget it was measured against. Bills are now only set aside when the budget actually accounted for them.
  • Fixed: a refunded day could draw on the 7-day chart as a small spending day rather than sitting at the baseline. The duplicate “Daily Average” card, which reprinted a number already shown directly above it, has been removed and the chart given its place.

v4.3.0

August 22, 2026
Added & Improved
  • Filter Transactions by Entry Source & Unassigned Accounts: The transaction filter drawer now includes a dedicated Source dropdown allowing you to isolate Manual Only versus Synced Only (bank feed) transactions, plus a No Account selector under Accounts to instantly surface detached or unassigned transactions.
  • The Morning Run: Instead of separate jobs firing at their own times, the app now does one ordered round of housekeeping each morning — syncs your accounts, links transfers between them, applies your rules, AI-categorizes what's left, runs the daily check-in, and posts a worklist of what actually needs a decision from you. The check-in now describes a ledger that was brought up to date minutes earlier rather than whatever happened to be there.
  • Transfers Between Your Own Accounts Are Linked Automatically: Money moved from checking to savings used to count as spending and income at the same time, because the bank feed reports it as two unrelated rows. These are now paired and excluded from both totals. Every link is listed individually in the morning message, and Not a transfer undoes one in a click.
  • Ask the Assistant to Change Something: Ask it to fix a category or resize a budget and you get a Confirm button in the chat instead of instructions to go and click somewhere. Nothing happens until you tap. Only those two changes can be proposed; everything else stays look-only.
  • Split an Itemized Receipt Across Budgets: A Target run that's half groceries and half household supplies can now be split across both budgets with one tap. Tax and tip are spread in proportion to what was bought rather than dumped into one category, and the parts always add up to the charge exactly.
  • Receipts and Leases Now Check Their Own Arithmetic: If a receipt's subtotal plus tax doesn't equal its total, or a lease ends before it starts, the reading is re-checked once before it reaches your queue — and if it still doesn't hold up, it arrives marked uncertain instead of looking clean. The lease form now also tells you what looked wrong.
  • Monthly Budget Review: A look across six months rather than one, answering "are these budgets even set right?" — budgets you miss every month (and what they'd need to be), budgets you barely touch, spending too volatile to be a monthly line, subscriptions that quietly went up in price, and subscriptions you haven't been charged for in 90 days.
  • "What If I Paid More?" — Debt Scenarios: Ask the assistant to test extra monthly payments, a lump sum from a refund, or switching between avalanche and snowball. It projects against your real balances and rates and tells you the months and interest saved.
  • Paycheck Planning by Question: Ask "my paycheck just landed, what's spoken for?" and get the bills due before the next one, your debt minimums, this paycheck's share of any Planned Expenses, and what's left. If it doesn't stretch, it says by how much rather than quietly making the numbers fit.
  • Month-End Close: On the 1st, a month in review — budgeted against spent, which categories went over, and a checklist of anything still open, each with what to do about it.
  • Investments — a New Page for What You Own: Link a brokerage and your positions arrive with every sync, or add them by hand; most people will do both. Portfolio shows total value, the day's change, unrealized gain/loss, cost basis, your largest position, and a value chart. Watchlist follows symbols you don't own, with optional high and low price targets. Market Pulse collects the day's news for everything you hold or watch, each story tagged as positive, negative, or neutral for a holder and carrying a one‑line note on why it matters. Filter it by kind — earnings, analyst, product, M&A, macro — or down to a single ticker. Nothing here can place a trade — the bank connection is read‑only by design, so there is no path from any screen to a broker.
  • “I Have $10,000 — Where Should It Go?”: The new Money Advisor takes an amount and works down a priority order against your real balances, rates, and average monthly spending: starter buffer, then any debt above your high‑rate line named individually with its rate, then a full emergency reserve sized from what your months actually cost, then investing. The allocation adds up to exactly what you entered, to the cent. Steps you've already cleared don't appear at all, and a debt it deliberately doesn't pay gets an explanation rather than silence. Every plan ends with what it can't see — an employer 401(k) match above all — because a confident answer built on invisible inputs is worse than a hedged one.
  • Your Portfolio Speaks Up Without You Opening It: Alerts reach your AI Inbox for a big single‑day move in a position, a notable swing in the portfolio as a whole, one holding growing into an outsized share of it, a watchlist target being crossed, upcoming earnings on something you own, and a brokerage that has quietly stopped syncing. On Saturday mornings there's a weekly portfolio note — a review of a week already over, with no recommendations in it.
  • Ask About Your Investments in Plain English: The assistant — on the AI Inbox page or in Discord — can now answer “how's my portfolio doing?”, “what's the news on my stocks?”, and “where should this $5,000 go?” from the same figures the page shows. No new commands to learn.
  • Proposed Rules Are Tested Before You See Them: Every AI-suggested transaction rule is now replayed over your last twelve months first. You see what it would have done — "would have matched 14, 13 filed the way you did, 1 conflict" — and rules that match nothing, sweep up unrelated merchants, or contradict how you actually file are discarded before reaching your queue.
Changed & Fixed
  • The daily check-in is now part of the morning run rather than a job of its own. Same time, same delivery — it just runs after the sync and categorization steps rather than instead of them.
  • Fixed: a rent figure ending in a half-cent was rounded down when prefilled from a lease document (e.g. $1,349.575 became $1,349.57).
  • Fixed: merchants covered by a rule scoped to one card, or to money-in only, were treated as already handled and never got a new rule proposed for them.

v4.2.0

August 21, 2026
Added & Improved
  • Household Pay Period Deficit Carryover: Automated deficit tracking across consecutive pay periods. If a member's income is insufficient to cover their share of expenses and personal debts (negative payout / amount owed), that deficit automatically rolls forward and offsets against future positive payouts (e.g. -$100 deficit + +$300 base payout → +$200 net payout). Includes explicit Prior Period Deficit itemization on payout cards.
  • Credit Card Payoff & Transfer Exclusion in Pay Period Actuals: Automatically filters out isTransfer: true, Transfer category transactions, and credit card payoff withdrawals when aggregating actual transaction spending, eliminating double-counting against card charges while preserving mortgage obligations.
  • Automated Personal Loan & Personal Expense Allocation: Automatically detects member personal debt transfers (e.g. LB XFER) from bank feeds and pre-fills them as individual member Personal Expenses, deducting them directly from that member's payout share.
  • 1-Click Pay Period Sync & "Sync All": Instantly update existing pay periods with newly arrived or late-cleared bank transactions from the Current Period view, History & Trends table, and Detail Modal with automatic expense/income recalculation.
  • Automatic Draft Pay Period Creation: The Paycheck Planner now automatically schedules and creates Draft Pay Periods on payday mornings via a daily background cron.
  • Intelligent Paycheck Auto-Fill: Auto-populates estimated expenses from budget targets or actual transactions, and matches member incomes from bank feed transactions tagged with each member's keyword.
  • 1-Click "Approve & Settle": Review pre-calculated allocations in the amber Draft Alert Banner and finalize them into permanent history with a single click.
  • Interactive Settle & Link Modal for Shared Expenses: Settle property co-owner expenses by directly linking the real bank deposit transactions (Zelle, Venmo, wire, check) from your synced accounts.
  • Multi-Installment Settlements: When a co-owner pays a large expense in multiple transfers (e.g. two $1,000 Zelle payments for a $2,000 tax bill), select multiple deposit checkboxes to link and settle them together.
  • Bundled Reimbursements: Settle multiple shared expense bills at once with a single combined deposit using the "Settle Selected" bulk action.
  • Settlement Detail Modal & Applied Deposit Inspection: Click any settled or partial expense in the ledger to view an itemized breakdown of all co-owner shares, applied bank deposits (account, date, description, payment method, reference note, and applied amount), and action triggers.
  • Partial Settlement Status Badges: Partially settled expenses now display a clear amber Partial ($X.XX due) badge and a Settle Remainder button so you always know what is still owed.
  • Redesigned Split Override Modal: Easily customize co-owner share allocations in an upgraded dialog with positive currency formatting, live allocation math, difference tracking, and 1-click Default % and Split Evenly helper actions.
  • Revert & Edit Waived Expenses: Seamlessly resume co-owner splitting on expenses previously marked as "Cover this myself" directly from the ledger or detail modal.
  • Audit Memos: Automatically records clear settlement context (property name and expense description) on the bank transaction memo.

v4.1.0

August 19, 2026
Added & Improved
  • Save ahead for the big, occasional bills: A new Planned Expenses section on the Budget page lets you set aside a little each month for things that don’t show up monthly — insurance, property tax, an annual subscription — so that bill doesn’t blow up the month it actually arrives.
  • The monthly amount adjusts itself: Tell it the total you need and when it’s due, and it works out how much to set aside each month. Miss a month or add extra, and it recalculates automatically — you never have to do the math yourself.
  • Paying the bill doesn’t touch your regular budget: When the bill arrives, record the payment against its Planned Expense and it’s paid from what you’ve saved, not from that category’s monthly spending. If you hadn’t saved quite enough, only the leftover part shows up against your budget — so you can always see exactly what you're really covered for.
  • Included in your data export: Planned Expenses now have their own CSV export alongside your transactions and budgets.
  • Prove a contribution with a real transfer: When you put extra money in, you can now point it at the actual bank transfer that moved the money into savings — the same way paying a bill already links to the charge. It's optional; if you skip it, the fund keeps working exactly as before.
  • Cover a shared expense yourself: Sometimes you make a purchase and don't want your co-owners to pay their share. Tick "I'll cover this myself" when you add the expense, or use the new Cover This Myself button on the Shared Expenses ledger for something already split — either way, it's taken off your co-owners' tab, but stays visible in the ledger as "waived" so there's still a record of it.
  • Notifications now actually run on the schedule you pick: Set a co-owner to Daily, Weekly, or Monthly in Setup, and they'll get an itemized email of what they owe — broken down by expense, not just a total — right on that schedule. No more pinging them every single time you tweak a split.
  • Notify a co-owner on demand, right from their balance: Each co-owner's balance card in Shared Expenses now has its own Notify button, plus you can click the card itself to see exactly which expenses make up that number.
  • Bank-synced payments count too: If a co-owner's Venmo, Zelle, or bank transfer shows up automatically through your bank sync, it now gets suggested as a settlement in the Settlement Inbox, the same as one you type in yourself.
  • Fixed a crash on the Shared Expenses tab that could prevent it from loading, and a bug where the Category column was always blank.

v4.0.1

August 17, 2026
Fixed
  • The same purchase no longer appears twice: Some vendors attach both an invoice and a receipt to one email. Both were being read as separate purchases, doubling the amount. One email about one charge now produces one reading. Two genuinely different receipts in one email still come through separately.
  • Attach no longer fails on a duplicate: Because both copies were matched to the same transaction, attaching the second one did nothing. With the duplicate gone, this cannot happen.
  • The transaction list stays current: After attaching a receipt, the list of transactions offered to the remaining receipts refreshes, so it can no longer offer one that was just taken.
  • Honest confirmation when there is no file: If a receipt reading has no document behind it, accepting it no longer says “Receipt attached.” It tells you what actually happened.
  • Mailbox messages are visible where you are working: “Test connection” and “Check now” used to report their result at the very top of the Settings page, off screen. They now appear in the corner wherever you are scrolled.
  • Informational messages look informational: Results like “No new mail” were being shown in the red error style. They now read as information.
  • Two checks at once no longer collide: Pressing “Check now” during a scheduled check could read the same email twice. Only one check runs at a time, and the button says so.

v4.0.0

August 17, 2026
Added & Improved
  • Receipt Mailbox: Forward a receipt email to your receipts address and the app reads it for you — no photo, no upload. Readings land in the same AI Review panel as scanned receipts. Set it up in Settings → Connections.
  • Receipts in the email body are read too: Vendors like Amazon, Uber and Apple put the receipt in the message itself rather than attaching it. Those are now read the same way.
  • Every receipt keeps a copy: An attached receipt is saved and attached to the transaction. When the receipt is in the message body instead, a picture of the email is saved — so you always have something to open later.
  • Approve a sender once: The first email from a new sender is held for your decision. One click approves them, and everything from that address goes straight through afterwards.
  • Keep the mailbox tidy: Choose what happens after a receipt is read — leave it, mark it read, move it to a folder, or delete it. Mail waiting on your approval is never touched.
  • Sign in with Microsoft: Microsoft 365 mailboxes connect without a password at all.
  • Activity list and Check now: See exactly what happened to each message, and check for new mail on demand instead of waiting.
Fixed
  • Approving a sender now reads the email that was held: Previously the approval only applied to future mail, so you had to ask the sender to forward it again. The held message is now read straight away.
  • “No new mail” after forwarding a test receipt: A receipt forwarded while you were still setting the mailbox up fell outside the start window and was skipped forever. New connections now start reading from a day earlier.
  • Clearer mailbox sign-in errors: Failures now name the one thing that is actually wrong instead of offering a checklist, and no longer suggest fixing a password on connections that do not use one.
  • Bank sync restored: Fixed a SimpleFIN sync failure introduced by the outbound-request security check.
Security
  • Your receipts address alone is not enough: It gets handed to vendors, so it is not treated as a secret. Mail from an unapproved sender is held rather than read, meaning someone who learns the address still cannot put anything in your ledger.
  • Forged mail is held: Messages failing your provider’s own sender checks are held even when they claim to come from an approved address.
  • Receipt emails open in a locked-down viewer: No code runs and nothing is loaded from the internet, so tracking pixels never fire and hidden links cannot reach anything.
  • Mailbox passwords are encrypted and never shown again once saved. Microsoft connections store no password at all.
  • Nothing is added without you: Every emailed receipt still waits in the review queue for you to accept or discard.

v3.6.6

August 11, 2026
Added & Improved
  • Per-Row Financial Account Mapping & Matching: CSV Importer now supports per-row Account column mapping with intelligent matching against existing financial accounts by exact name, normalized whitespace, or account mask (e.g. (3497) or 3497). Balance updates are calculated and applied per resolved account.
  • Full Transaction Export Schema Alignment: Importer UI, auto-heuristics, and AI column mapping schema (map-import-columns.js) now support all 11 exported transaction fields (Date, Description, Amount, Type, Group, Category, Account, Notes, Property, Schedule E Line, Capital Improvement).
  • Auto-Creation of Missing Categories & Groups: Automatically creates missing parent category groups and child categories during CSV import, preventing metadata loss when migrating or re-importing exported transaction ledgers.
  • Live Importer Match Preview: Importer preview table now displays resolved financial account names and full category hierarchy paths (Group > Category) prior to executing the import.

v3.6.4

August 11, 2026
Added & Improved
  • Financial Reporting & Analytics Dashboard (/reports): Comprehensive financial reports featuring Income vs Expense trends, Category Spending Breakdown pie charts, Spending Velocity tracking, and Net Cash Flow summaries with multi-range date filters, property scoping, PDF printing, and CSV exports.
  • Interactive Debt Payoff & Balance Transfer Calculators (/debt): Dedicated calculators in the Debt workspace including Credit Card Payoff simulation (months to payoff and interest costs) and Balance Transfer analysis (fee calculations, promo APR timelines, and interest savings).
  • Enhanced Transaction Search & Multi-Tag Selection (/transactions): Interactive multi-select tag input with real-time autocomplete suggestions for multi-tag filtering across complex transaction ledgers.
  • On-Demand Rule Execution & Global Toast Alerts: Manual rule execution backfills (/api/rules/run) to apply newly created rules to historical transactions on demand, accompanied by a non-disruptive Toast notification system.

v3.6.3

August 9, 2026
Added & Improved
  • Account-Scoped Transaction Rules: Rules can now be limited to a specific account with a new "Only Match Transactions From" condition, so the same keyword can drive a different outcome depending on which card it hits (e.g. a Home Depot charge on the AMEX always files to 21 Crosby / Repairs, while the same payee on a personal card is left alone). Account-scoped rules take priority over a generic rule matching the same keyword. Applies everywhere rules run: Plaid/SimpleFIN sync, CSV import, and the Unassigned Expenses inbox's suggestion chip.

v3.6.2

August 7, 2026
Added & Improved
  • Dashboard Income & Group Breakdown Visualizations: Introduced an Income vs. Expenses toggle and a Groups vs. Categories view mode on the Spending Breakdown card. Users can now analyze income streams alongside expenses, view custom category group icons, and interact with dynamic pie chart overlays and list item tooltips.
  • Automated Rent Matching Engine Overhaul: Upgraded the rent matching engine with a robust 3-pass algorithm (exact tenant name + amount, partial tenant name match, and amount-only match). Added a description blacklist (cashback, refund, payroll, amazon, reversal) to eliminate false positives, cross-unit matcher isolation, and a $50 minimum threshold.
Fixed
  • Category-Based Budget Rollups & Group Totals: Budget spending is now measured directly by category hierarchy rather than relying solely on internal links, ensuring historical transactions immediately count toward budgets. Fixed group totals to aggregate across all member categories instead of showing only the largest category, and cleaned up uncapped budget displays.
  • UI, Tag Autocomplete & Accessibility Polish: Improved Tag Autocomplete dropdown z-index positioning and tag pill styling. Enhanced Daily Planner inline operations with popover layout fixes, auto-focus positioning, and full ARIA accessibility attributes.
Security
  • Path Traversal & Arbitrary File Unlink Defense: Enforced strict URL validation on receipt attachment paths prior to server disk unlinking.
  • Atomic Balance Updates & Bank-Synced Integrity: Refactored account balance updates to use Prisma atomic increment/decrement operations. Enforced protection in API handlers to block direct manual modification or deletion of Plaid/SimpleFIN bank-synced transactions.

v3.6.1

August 5, 2026
Fixed & Improved
  • Dashboard Category & Account Filter Popovers: Filter popovers on the Dashboard now automatically dismiss when clicking or touching anywhere outside the popover menu. Category filtering correctly resolves transactions logged under child categories (subcategories), ensuring accurate spending totals and donut chart rendering without "$0.00 / No data" errors.
  • Dashboard Month Selector Streamlining: Removed the redundant duplicate month selector from the Spending Breakdown card toolbar so the top-level month control governs the entire dashboard predictably.
  • Email Notification Template & Branding Overhaul: Upgraded email notifications across all 13 system templates to use a vector C brand mark at 56×56px with styled typography, eliminated duplicate text branding, and fixed Apple Mail layout alignment so logos render centered across macOS Mail, iOS Mail, Gmail, and Outlook clients.

v3.6.0

August 5, 2026
Added & Improved
  • Multiple Named Budgets & Rollover Carryover: Group categories under custom named budgets with carryover tracking.
  • Shared Property Expenses & Co-owner Portals: Settlement inbox, custom split overrides, and secure co-owner links.
  • AI Financial Query Agent & Discord Bot Updates: Natural language query agent, interactive digest snooze, and 2-way Discord slash commands.
  • Provisional Receipt Attachment & Auto-Merge: Uploaded receipts create provisional transactions auto-matched to bank postings.
  • Administrator AI Control Panel: Manage AI providers, allowlists, and default model selection.
  • Performance & Security Fixes: Resolved multi-tab session issues, UI layout overlaps, and hardened credentials and token authentication.

v3.5.0

August 3, 2026
Added
  • Phase 4 Shared Property Expenses: Analytics, Multi-property Rollups, Custom Split Overrides, Settlement Inbox & Co-owner Portals.
  • AI Features: Ask About Your Money, Watchdog Digest, Receipt scanning, and Local models support (llama.cpp, Ollama, Docker Model Runner).
  • Discord Bot Integration: Your Finances in Discord, Receipts by Discord, use in shared channels without asking an administrator.
  • Mark Personal, by hand or by rule: Keep personal expenses out of the inbox.
  • Property-filing rules: File automatically at sync.
  • AI Transaction Categorization & Rule Suggestions: Claude proposes categories and property attribution with a Review Queue.
  • AI Lease Reading & Column Mapping for CSV Import.
  • AI Settings Admin Page & AI Spend This Month.

v3.0.0

July 29, 2026
Added
  • Bulk Transaction Actions: Select transactions on the Transactions page (per-row checkboxes plus select-all for the page) and act on them together — delete, assign to a rental property and Schedule E category, set a category, or add/remove tags. The toolbar shows the selected count and total, and every result reports what was changed *and* what was skipped and why.
  • Property Manager (Pro): New `/properties` module for rental property finances — portfolio roll-up, a live Schedule E replacing the per-property expense spreadsheet, a per-unit rent roll with payment status, and a classification inbox for untagged spending.
  • Property Attribution on Transactions: Transactions, splits, and rules can be assigned to a property with an IRS Schedule E category and a capital-improvement flag. Rules stamp this during Plaid/SimpleFIN/CSV import, so property expenses classify themselves on sync instead of being re-entered by hand.
  • Capital vs Deductible Separation: Capital improvements (a roof, an HVAC system) are recorded as cost-basis additions and reported apart from the current-year deduction, rather than being summed into the expense total as the source spreadsheets did.
  • Rent Collection Tracking: Per-unit monthly charges with paid/partial/late/vacant status. ACH and Zelle deposits naming the tenant link automatically; check deposits, which match on amount alone, appear as Possible payments on the month with a one-click Link (the rent-roll cell is outlined until confirmed); cash is marked paid manually and can write the matching income transaction.
  • Annual Figure Overrides: Mortgage interest, property taxes, and insurance can be entered from a Form 1098 or tax bill and override the transaction roll-up, with the computed figure shown beside them so a discrepancy is visible.
  • Depreciation & Cost Basis: Schedule E line 18 now computes real IRS mid-month-convention straight-line depreciation instead of sitting at zero — the building (from purchase price minus land value) and every capital improvement each depreciate independently from their own placed-in-service date, over 27.5 years (residential) or 39 (commercial).
  • Mortgage Interest from Debt: Schedule E line 12 now computes from the property's linked mortgage debt's amortization schedule (loan origination date, original balance, rate, and P&I payment).
  • Leases & Tenants: Rental units now keep a real lease history — one record per lease term, each with its own tenant(s) (name, email, phone), monthly rent, and security deposit (amount held, amount/date returned).
  • Schedule E Export: CSV export of Schedule E line items, the underlying ledger, or the rent roll for a property or the whole portfolio.
  • Expense Workbook Import: One-time importer for existing `.xlsx` property workbooks. Parses ledger sheets, the Overview utility grid and annual totals, and the Rents sheet into a reviewable proposal.
Changed
  • Personal Totals Exclude Property Activity: The dashboard, daily planner, and budgets omit property-tagged income and expenses by default, so a large repair or a month of rent no longer distorts household figures. A Personal only / Including property activity switch on all three folds them back in.
  • Transaction CSV Export: Now includes Property, Schedule E Line, and Capital Improvement columns.

v2.6.0

July 23, 2026
Added
  • Automatic Credit Card Payment Detection: Plaid and SimpleFIN syncs now recognize card payments made outside the app and link the funding debit to the card credit as a Transfer automatically, matching on description pattern, amount, and date proximity. Ambiguous matches (e.g. two same-amount payments within a day of each other) are deliberately left unlinked rather than guessed.
  • Unlink Transfers: Auto-detected transfer pairs can be unlinked without deleting the underlying transactions or touching account balances — useful if the detector pairs the wrong two rows. A rejected pairing is remembered so it isn't silently re-linked on the next sync. Open the transaction and choose Not a transfer, from either the Transactions list or the Daily view.
  • Refund & Return Detection: Incoming bank transactions that look like a refund, return, reversal, or chargeback are now recognized by description or by the bank's spending category, and stored as an expense with a positive amount so they net against the purchase instead of counting as income.
  • Record a Transfer by Hand: The New Transaction form now offers Transfer alongside Expense and Income. Pick the account the money left and the account it went to, and both legs are created and linked in one step — useful for moving money between checking and savings, or for pairing a card payment the detector left alone. Transfers are excluded from income and spending totals, and both account balances update.
  • "Not a Transfer" Action: Any transfer the app detected during a sync can now be undone from the transaction itself, in both the Transactions list and the Daily view. Nothing is deleted and no balance moves — only the classification is withdrawn, and the app remembers the correction.
  • Mark a Synced Credit as a Refund: Bank-synced transactions can now be reclassified as a refund directly from the transaction (Transactions list or Daily view), even though their core fields are otherwise locked. It only changes how the credit is counted — the amount, date and account balance are untouched — so a credit the automatic detector didn't recognize can be netted against its purchase in one click.
  • Refund Rules: Transaction Rules gained a "treat matching deposits as refunds" option. A recurring credit with a steady description (e.g. a monthly "Walmart+ Credit" that offsets its subscription) is then converted to a refund automatically on every sync, and optionally applied to existing matches. Money-out transactions the rule also matches are never affected.
  • Distinct Refund Styling: Refunds no longer render in income green. They now carry a "Refund" badge and their own amber colour across the Transactions list, Daily view and detail panels, so a credit reads as money coming back rather than as a paycheck.
  • Refunds in the Budget: A refund now appears inside the budget it belongs to, shown as an amber credit (e.g. +$50.00) instead of a second red line, and it gives its budget back. A purchase and its matching credit net out, so the budget reads $0.00 spent — and a budget can never display a negative "spent" figure.
  • Manual Refund Entry: The New Transaction form now offers a "This is a refund or return" option on expenses, so cash returns and reimbursements can be recorded by hand and credited back to their category and budget instead of being logged as income.

v2.5.0

July 15, 2026
Added
  • Multiple Named Budgets: Support for defining multiple nested/named budgets per category, self-referencing overrides, and spent tracking per individual budget.
  • Trigger Testing & Verification: Preview the transactions a rule or recurring-bill matcher would catch before you save it.
  • Universal Category Selector: A single, consistent category and budget picker across transactions, rules, and bills.
  • Automated Rule Drilldown: Inline expandable rows in the recurring bills and custom rules UI displaying recent matching transactions.
  • SimpleFIN Integration: Connect securely to your bank feeds via the SimpleFIN Bridge to import historical and real-time transaction data automatically.
  • Receipt Uploads: Scan, upload, and attach receipt images directly to your transactions, securing digital proof for taxes and expenses.
  • Onboarding Wizard: A step-by-step introduction wizard to guide new users through their initial account, ledger, and budget configurations.
  • Feedback Chats: Interactive help-chat component for submitting feedback, reporting bugs, and suggesting feature improvements.
  • Account Reconciliation: Check lists and tools to verify and reconcile manual ledger entries against bank feed statements.

v2.2.0

July 10, 2026
Added
  • SMTP/Nodemailer Integration: System emails configuration for automatic household invites and secure password retrieval.
  • Historical Net Worth Trend: Interactive dashboard visualization displaying 6-month historical net worth and asset accumulation curves.

v2.1.0

July 3, 2026
Added
  • Budgets Inline Transaction List: View specific transaction lines mapped directly within the monthly budget categories without navigating away.
  • Eucalyptus Theme: A modern, natural green-accented visual option designed to complement clean interface designs.
  • Stacked Brand Logos: Theme-adaptive stacked vector assets updating navigation badges and splash layouts.

v2.0.0

July 2, 2026
Added
  • Custom Transaction Rules: Create automated rules (based on keyword match) to automatically tag and categorize synced ledger transactions.
  • Recurring Bills Detector: Algorithmic scanning tool identifying consistent historical payments to predict and list recurring bills.

v1.5.0

June 21, 2026
Added
  • Multi-Factor Authentication (MFA): Protect your login with a 6-digit code from an authenticator app (Google Authenticator, Duo, Authy). Set it up in Settings.

v1.0.0

June 12, 2026
Added
  • Core Double-Entry Ledger: Manual ledger system to create asset/liability accounts and keep track of daily cash transactions.
  • Base Platform: Essential authentication layers, interactive dashboard, settings panels, and month navigation.