The headline this release: transactions no longer need a category. Enter, import, or approve anything and sort it out when you're ready — a new Needs Category row keeps your budget honest while you decide.

🏷️ Categorize when you're ready

• New: categories are optional. Save a transaction without a category and it just works — imported transactions approve without one too. Anything uncategorized gathers in a Needs Category row at the top of your budget, and the review banner counts what's left to sort.

• The math stays honest while you decide. Uncategorized card spending counts as card debt, and categorizing it later moves exactly the money that categorizing up front would have.

→ Budgets & Categories · Transactions

🖼️ Give accounts a face

• New: custom account images. Upload a photo or logo (PNG, JPEG, WebP, or GIF) and it identifies the account everywhere — pickers, register, search, calendar, analytics, and mobile. Images are private to your budget, with photo metadata stripped.

→ Accounts & Transfers

💳 Pay off a card by a date

• New: "pay off balance by date" goals. On a credit card payment category, pick a payoff month and Zerosum calculates how much to budget each month to get there, re-planning as the balance moves. (This one came straight from your feature requests. Thank you!)

→ Credit Cards · Budget Goals

✅ Register power tools

• New: right-click a selection. Select a few rows, right-click, and every bulk action is there — Approve, Reject, Match, Categorize, Tag.

• New: Enter Now in bulk. Select any mix of scheduled transactions and bank-pending previews and enter them all at once — one action, one undo.

• Match always explains itself. Match now shows for every selected pair, and when it can't run, it tells you exactly why.

• A clearer reconcile dialog. A statement-style card lines up your bank balance against what's cleared in Zerosum, ending in a green "Balances match" or a signed difference — and it's a proper bottom sheet on mobile.

→ Reviewing imported transactions · Reconciling accounts

🏦 Bank sync

• New: disconnected accounts are visible and fixable. An account your provider stops returning now shows on the Bank Sync page with reconnect instructions, and the sidebar badge got tiers: red means act now, yellow means reconnect soon.

• Transfers show both sides right away. When an import matches a transfer rule, the other account's side appears immediately — balances are right from the first moment, on both accounts.

→ Bank Sync

📊 Analytics

• Year over Year compares matching months. Mid-year, 2026 is compared against January–July of 2025 — not the full year — so the change percentage finally means something.

• Cash Flow respects your account selection. Transfers between selected accounts stay internal; transfers leaving the selection count once. Balance adjustments now show up too, clearly labeled.

→ Analytics & Reports

✨ Also in this release

• PDF receipts on every platform. Desktop browsers now take PDF receipts too — page one, converted privately on your device.

• Paste works in every amount field on mobile — every numpad and dialog — and the cursor finally stays put when you edit an amount mid-number.

• For Next Month speaks one language. Every surface now says "set aside", and the receiving month explains where its extra Ready to Budget came from.

Thank you for being here. ❤️