Backlog

Next up

In Progress

Done

Main Roadmap

I’m coming from YNAB like many other folks. Before trying ZeroSum, I gave Lunch Money a shot. One thing that really stood out to me was the option to connect to an AI using an MCP. This allowed me to work directly with an AI to discuss my budget and even bulk modify my budget and plan. While this is definitely not a dealbreaker(I really love what I see with zero sum!), it would be very nice to have.

Migrated from UserJot · originally requested Apr 2026 · 7 votes.

In Review

MCP server

hidden

The situationSavings Rate today compares the money that came in during a month to the money that went out during that same month. That works perfectly if you spend this month what you earned this month.But some of us here don't. We keep a buffer. We budget a month or several months ahead. That's literally what the app teaches us to do — and the better we get at it, the less our monthly spending is funded by that month's income.So the chart starts telling us about our payroll calendar instead of our habits:<ul><li>You put money aside in February, and the month it finally gets spent shows up as a huge expense with no income facing it. Your rate tanks — for doing exactly the right thing.</li><li>A bonus, a 13th month or a holiday allowance lands, and that month reads +65%. The next few months look terrible by comparison.</li><li>Pay your annual insurance, your taxes, or book the family holiday, and one month goes deep red even though nothing about your finances changed.</li></ul>My own last 12 months read −109%, +65%, +59%, −19%. My habits didn't swing by 170 points in three months. The chart is measuring when money moved, not how much I actually keep.What would fix itNone of this requires throwing the widget away — mostly it's about what we're shown by default:<ol><li>Lead with a rolling 12-month figure rather than a single month? Over a full year the timing effects cancel out and the number becomes real. Keep the monthly bars as context.</li><li>Smooth out the one-offs? An option to spread annual expenses (taxes, insurance, big trips) across the year, the same way the app already thinks about true expenses on the budget side.</li><li>Longer term, an alternative basis that timing can't distort — for example measuring what you allocated to savings and investment categories out of the income you received, or the growth of your net worth excluding market moves. Either one answers "how much do I actually keep?" regardless of when the money moves.</li></ol>Even just item 1 and 2 would make the widget trustworthy for a large chunk of users.If your Savings Rate chart also looks like a heart monitor, give this a vote!

Make Savings Rate meaningful for users who don't live paycheck-to-paycheck

Please add support for Markdown syntax within the notes section of 
transactions.&nbsp;Specifically, the ability to include code blocks (using 
backticks) would be highly beneficial for:- Linking specific transaction IDs or reference numbers.- Documenting small snippets of data related to a trade.- Improving general readability with bolding and lists.This would allow for more structured and professional record-keeping directly within the app.

Migrated from UserJot · originally requested Jun 2026 · 3 votes.

Support Markdown formatting in transaction notes

In the best case scenario, reconciling currently requires 4 clicks per account which adds up fast if you have lots of accounts. Would be cool to be able to reconcile all accounts at once through a single dialog / experience - reducing to as low as 3-4 clicks total.This should probably live on the Accounts tab.Requirements- Single screen with a looks good / different balance toggle for each account (defaulting to looks good)- Perform the sync comparison across all bank-linked accounts simultaneously- For any marked by user as looks good, reconcile- For any marked by user as different balance, initiate a guided experience that takes them through each account page to reconcile manually (or just add a flag to each account requiring review if that's easier)

Migrated from UserJot · originally requested Jun 2026 · 10 votes.

Reconciliation wizard

Would it be possible to add a feature to hide a payee from the payee dropdown list by setting it to inactive? This way its sort of archived when working with transactions.I have payees from vacations or business trips where I'd like their name to be displayed when searching or viewing old transactions or viewing reports and I don't need to see them in the payee list when adding/editing transactions.I don't want to delete/merge the payees because then I'd likely need the payee names added to the transaction notes as it can be important for historical reasons like reimbursement for a business trip.This is a feature in YNAB that I am used to using.In Zerosum, it would be even cooler if on the Manage Payees screen if there was a toggle for something like active vs inactive payees. This would be even better than what YNAB offers. The last used date on the Payee screen is awesome by the way. Something YNAB doesn't have. :)

Add a Hide or Inactivate Payee option

Currently, targets in the Income Ratio widget only work as a "surpass this %" threshold — the percentage turns green once you meet or exceed it.It would be great to have the option to set a target as either a minimum (meet or exceed) or a maximum (stay under), depending on what's being tracked.For example, I have several income ratios set up:<ul><li>Savings Rate — target: minimum 20%</li><li>Essential Expenses — target: maximum 60%</li><li>Fun Expenses — target: maximum 20%</li></ul>Right now, this only works well for Savings Rate, since going over the target is the goal. But for Essential Expenses and Fun Expenses, going over the target is actually the bad outcome — so the current "green when exceeded" logic doesn't apply, and these two ratios don't get the same useful at-a-glance feedback.Being able to flag a target as min or max would make the green/red indicator meaningful across all these use cases.

Income Ratio targets

It's great that clickable links now are available in the memo field of each month. However, I think it could be even more useful to have clickable links in the memo field of each transaction.&nbsp;My use case would be to keep receipts, pay stubs, proof of guarantee in a cloud solution like DropBox or iCloud and have a direct clickable link in each transaction in ZS for relevant PDFs.

Migrated from UserJot · originally requested Jun 2026 · 4 votes.

clickable links in transaction memo field

I’d love the ability to subtract the month’s total targets from my expected income. I’m switching from YNAB and I love their Cost To Be Me view as it eliminates the need for my extra spreadsheet on the side. Though even that view in YNAB doesn’t give you the leftover number between income and spending targets, just displays the difference visually.If I’m able to see this calculation (Monthly Income – Monthly Targets) in the Month Overview next to the monthly targets, my Zerosum experience would be complete!Currently, I make a note of my income in the monthly note but it would be great if Zerosum could do the math for me here.

Ability to put expected monthly income in Month Overview and do some math

The first thing I do when I’m budgeting income is reconciling my accounts and I’d love an easy way to see without having to click into each account how recently I last reconciled. Minimum viability for me on this is a little check mark or dot next to the account on the full accounts view if I reconciled today. Extra bonus would be a little counter telling me how many days ago I reconciled that account. Extra extra bonus would be that counter changing color from green (for reconciled today) to yellow (last reconciled this week) to red (last reconciled more than a week ago).

On the accounts view, I'd love a little reconcile icon next to each account if I reconciled today

I would like an option to be able to toggle which accounts are visible in the calendar view. I have multiple off-budget accounts that I use simply for tracking purposes for a full financial picture. Currently the calendar shows all transactions across all accounts, but I would mainly like it to show only transactions from on-budget accounts to get a better visual of my day-to-day cash flow.

Toggle accounts for calendar view.

ZeroSum on iOS and Android, built native. Manage your budget, log transactions, and check your numbers on the go — with the speed and feel of a real app, not a browser tab.Migrated from UserJot · originally requested Mar 2026 · 45 votes.

Planned

Native Mobile Apps

I use the YNAB API to pull in current category balances for a couple of spreadsheets I use for various projections. It would be awfully nice not to lose that ability if I switch over.

Migrated from UserJot · originally requested Jun 2026 · 18 votes.

It would be great if the Overview page could be customizable with reports from the Analytics tab. Right I have a few reports that I love in the Analytics that I use everyday and I have to flip to Overview to see recurring transactions and Goals needing attention. It would be fantastic if all this info can be available on a single tab.

Migrated from UserJot · originally requested Jun 2026 · 6 votes.

Customizable Overview page

I’d like a toggle for hiding the values (both transactions and categories), for privacy purposes. Maybe this can be an eye symbol next to the filters button on budget view or in the “view” dropdown.

Migrated from UserJot · originally requested Jun 2026 · 9 votes.

Hide Values for Privacy

I use Tags as a sort of sub-category. A great example is as a means of analysing the spend in my Vacation category. So one of my tags might then be "Greece '26". Once that vacation is over I will not need this tag again but I will want it to appear in tag based reports.Another example is Home Improvements. I will not need my "Driveway: tag again for many years, if ever.

So, my feature request is for a way to hide Tags please.&nbsp; In just the same way as we can hide Categories.

Migrated from UserJot · originally requested Jun 2026 · 6 votes.

Hidden Tags

Hi, thanks that you added the possibility to use emojis before each bank account. Is it possible to <ol><li>allow us to use a gif/png file for this?</li><li>can you let us see the icon when we create a transfer? for multiple accounts it would be very helpful</li></ol>

Completed

bank account icons

It's awesome that credit cards can now have goals, but often, you need to pay off your balance by a certain date. Having the ability to set a "pay by" date as a goal and have Zerosum calculate how much you'll need to budget every month would be a great addition!

Migrated from UserJot · originally requested Jul 2026 · 3 votes.

Create "Pay by [date]" goals for credit cards

Add “Enter now option” when multiple upcoming transactions are selected to the menu at the bottom of the screen. Currently this needs to be done for each transaction separately.

“Enter now” for multiple upcoming transactions

I would really like the ability to add a picture to transactions. I have som transactions that I can get tax deductions from, but then I need the receipts/invoices.

Picture of receipt

It would be nice to have the ability to adjust the column widths in the accounts. This is especially helpful when you have longer notes or category names.

Migrated from UserJot · originally requested Jun 2026 · 10 votes.

Adjustable Columns in Accounts

I would suggest that the review transactions show on the main page when opening the budget. As a new user, I found it a bit confusing to know where I needed to go when opening the app. Since reviewing transactions is a critical part of keeping things in order it just seems like when you open the app it should direct you to the those things. Also, perhaps make the color stand out a bit more as it is something needing attention. Thank you for your consideration. :-)<img data-width="100%" data-align="left" alt="" data-featurebase-content-key="6a49b78537796423c2fb3c02/post/6a7200d0ec92efce224bec39/019fcd4d-6832-7d76-958d-5f341d81b0b7/b64u-dml2YWxkaV9aVkxVcktjdEwxLnBuZw.png" data-featurebase-content-filename="vivaldi_ZVLUrKctL1.png" src="https://6a49b78537796423c2fb3c02.featurebase-attachments.com/c/post/6a7200d0ec92efce224bec39/019fcd4d-6832-7d76-958d-5f341d81b0b7/b64u-dml2YWxkaV9aVkxVcktjdEwxLnBuZw.png?X-Amz-Expires=3600&amp;X-Amz-Date=20260829T120000Z&amp;X-Amz-Algorithm=AWS4-HMAC-SHA256&amp;X-Amz-Credential=DO801TYC4FCVNNEKURKM%2F20260829%2Ffra1%2Fs3%2Faws4_request&amp;X-Amz-SignedHeaders=host&amp;X-Amz-Signature=e757df21e6b74e49629d5e32878af7fff0ddeee159113933a01e39d31f14a0a9">

Review Transactions banner on main page

Let's say I want to edit the category for a given transaction. This currently requires three clicks: first one selects the transaction, second one "opens" the transaction (for editing), third one selects the actual category input so I can now edit it.&nbsp;If the second click took into account where the user was clicking, it could make the workflow a little smoother by only having two click twice (eg. if clicking the category section then after the second click it would open up the category text box for input, or similar for payee, outflow, etc.)

Migrated from UserJot · originally requested Jun 2026 · 4 votes.

Quicker clicking in transaction page

Scheduled transactions seem to post automatically when the day arrives. Could we have an option to review them before posting? I often use scheduled trx as reminders to myself to do something (e.g. sweep funds into an account to cover an upcoming bill, pay off 0% CC before offer period ends, remind someone to reimburse me for something). Or might just have a regular bill that's higher than usual. Without an approval workflow, these risk falling through the cracks.

Migrated from UserJot · originally requested Jun 2026 · 23 votes.

Approve / reject scheduled transactions

Could you please add the ability to favorite some accounts so that they can optionally appear above the rest of the accounts / account groups?&nbsp; I have 6 of my most recently used accounts set as Starred in YNAB and like the quick access without having to scroll between checking/savings and credit card account groups.I still like the idea of keeping checking and savings accounts in a Cash group and then credit cards in a Credit Cards group.

Migrated from UserJot · originally requested Jul 2026 · 4 votes.

Add a Favorite accounts feature

For example my subscription categories, I would love to be able to calculate things when adding or editing the goal amount incase I cancel a subscription or add a new subscription.