Financy v0.14.0

Financy v0.14.0 — A redesigned desktop & recurring that looks ahead ✨

The desktop app got a full facelift — a modern sidebar shell, a refreshed
design system across both themes, and custom modals — and the Recurring
feature was rebuilt to actually help: it now shows what's coming and what it
costs, instead of just nagging about what's overdue. Your existing .financy
files open unchanged.

🔁 Recurring, forward-looking

• The Recurring screen now leads with your commitments: MONTHLY BILLS,
  MONTHLY INCOME, NET PER MONTH and ACTIVE stat cards, with every frequency
  (weekly, biweekly, monthly, quarterly, yearly) normalized to a monthly
  figure.
• A Next 30 days timeline projects every upcoming occurrence, bucketed
  into Overdue & due (amber, with an inline Review & Post), This week
  and Later this month — each row saying plainly "today", "in 5 days", or
  "3 days overdue".
• The Accounts overview gains an Upcoming card: anything due plus the
  next 14 days of bills, one click from the full Recurring screen.
• Financy now re-checks the schedule while the app runs (about once a
  minute, midnight rollover included) — not just when a file opens. The
  review prompt only reappears when something new becomes due, so Later
  actually means later.
• Nothing changed about control: every entry is still drafted for your
  review — recurring never posts silently, and duplicate detection still
  links occurrences to payments you already recorded.

🎨 Desktop redesign

• A modern shell — the icon-only toolbar and status bar are gone;
  navigation lives in a labeled left sidebar with a prominent New
  Transaction button, quick utilities, and a live net-worth summary pinned
  at the bottom (it steps aside entirely when no file is open).
• A refreshed design system in both themes: indigo accent, calmer
  emerald/rose money colors, a deeper dark palette, softer corners, airier
  headers and stat cards.
• Every screen rebuilt on it — Accounts is a scannable grouped table with
  share bars; Transactions groups each day into its own card with a one-line
  filter bar; Budget rows carry traffic-light usage bars and an overspend
  banner; Recurring as above.
• Custom modals everywhere: dialogs moved off Fyne's stock boxes onto
  centered rounded cards with proper headers and footer actions; delete
  confirmations use an explicit red Delete button.

💰 Budget: cover overspending in place

• An overspent envelope can be fixed where you see it: Cover… moves money
  from another envelope (or Ready to Assign), with sources sorted by what
  they can spare and the amount prefilled with the shortfall.

🧹 Housekeeping

• The release no longer ships an unsigned iOS .ipa (it couldn't be
  installed without re-signing weekly). Android, Linux, Windows and macOS
  assets are unchanged.

📥 Install

Android: download Financy-v0.14.0-android-arm64.apk below and sideload it
(you'll need to allow installs from your browser/file manager).

Desktop: grab the package for your OS below (.deb / .rpm / .tar.xz /
.exe / macOS .zip).

---

Full changelog: v0.13.0...v0.14.0

Financy v0.13.0

Financy v0.13.0 — Debts, reworked 💳

The biggest module release since the budget: Debts grows beyond BNPL plans
into full debt tracking — loans with real interest math, credit cards,
and IOUs — with payoff projections and a strategy comparison to plan your way
out. Everything ships on desktop and mobile alike, and your existing
.financy files upgrade automatically (a .bak is written first, as always).

🏦 Every debt type

• Amortizing loans (mortgage, auto, student, personal) — enter the
  principal, APR, and either the term or the payment; Financy computes the
  other and generates the full amortization schedule. Every payment posts a
  real principal-vs-interest split: principal draws the loan down,
  interest lands in an expense category, and the loan's balance always equals
  the remaining principal. Extra payments either shorten the term (the
  default — saves the most interest) or lower the payment, with a live
  preview of the payoff date and interest saved.
• Revolving credit (credit cards, lines of credit) — attach the card
  account you already track (its history stays yours) or create a new one,
  with a credit limit, utilization bar, and a minimum-payment rule. Interest
  is never auto-posted: once a month a statement review proposes an
  editable charge for you to confirm, correct, or skip — your real statement
  is ground truth. Card payments are budget-neutral transfers, so your
  envelopes are never double-counted.
• Informal debts (an IOU, money from a friend) — just a balance with an
  optional due date; pay any amount anytime, and optionally record which
  account the borrowed cash landed in so your books balance to the cent.
• BNPL / installment plans work exactly as before.

📈 Payoff projections & strategies

• Every debt shows its payoff date and interest remaining under the
  current plan — including the classic minimum-payment trap on a card, which
  is reported honestly ("this never pays off") instead of pretending.
• Snowball vs. avalanche: tell Financy what extra you can put toward
  debts each month and compare both strategies side by side — payoff order,
  debt-free date, and total interest, with the cheaper plan highlighted.
  Every cleared debt's payment rolls into the next target automatically.
• A debt overview dashboard sums it up: total owed, balance-weighted
  average APR, what's due now, and your projected debt-free date.

✨ Easy to set up

• The add-debt form is type-driven and minimal: pick a kind and only its
  essentials appear (a loan is just name + principal + APR + term), with a
  live plan preview before you save. Everything optional folds into an
  Advanced setup section with defaults that just work.
• The desktop Debts screen is a compact table — kind, APR, balance,
  progress, status — and clicking a row opens the debt's full detail in a
  popup: schedule with pay/undo, extra payments, statement review, activity.

🔧 Fixed

• Deleting a debt no longer removes transactions of yours that were linked to
  installments — they're restored to their original categories first.

📥 Install

Android: download Financy-v0.13.0-android-arm64.apk below and sideload it
(you'll need to allow installs from your browser/file manager).

Desktop: grab the package for your OS below (.deb / .rpm / .tar.xz /
.exe / macOS .zip).

---

Full changelog: v0.12.0...v0.13.0

Financy v0.12.0

Financy v0.12.0 — Debt payments & Back-button polish 📱

A focused mobile release: paying a debt now works exactly like the desktop, and
the Android Back button behaves the way you'd expect around popups.

💳 Link a transaction when paying a debt

Paying a debt installment on mobile now mirrors the desktop. Instead of always
posting a fresh payment, a "record this payment as" dropdown lets you:

• ➕ Create a new transaction (today), or
• 🔗 Link an existing transaction already in your books (paid manually,
  imported, or a slightly different amount) — a confident match is pre-selected
  so an already-recorded installment links in one tap, and
• 🔍 Browse all transactions… opens a searchable picker of every transaction
  on the pay-from account.

Linking re-points that transaction onto the debt's liability, so the outstanding
balance stays correct instead of double-posting.

🔙 Back-button behaviour

• With a dropdown, dialog, or the calendar picker open, the Android Back
  button now dismisses just that popup instead of navigating the page away.

📥 Install

Android: download Financy-v0.12.0-android-arm64.apk below and sideload it
(you'll need to allow installs from your browser/file manager).

Desktop: grab the package for your OS below (.deb / .rpm / .tar.xz /
.exe / macOS .zip).

---

Full changelog: v0.11.0...v0.12.0

Financy v0.11.0

Financy v0.11.0 — Mobile forms & budget polish 📱

This release is all about the mobile app: deeper Settings, faster and less
error-prone data entry, and a clearer Budget — plus two important form fixes.

⚙️ Settings, reorganized

Settings is now a menu that drills into focused sections, mirroring the desktop
Preferences with a mobile-native UI:

• Document — open / export a .financy file, load demo data, or start fresh.
• Configuration — currency & number format.
• Categories — add / edit / delete income & expense labels.
• Data summary — account/category/transaction counts and totals.
• About — version & info.

✍️ Better data entry

• Live amount formatting — every money field (add/edit & bulk transaction,
  assign, reconcile, add debt) formats with thousands grouping as you type,
  following your number format.
• Forms scroll over their fields — dragging on a text field or dropdown now
  scrolls the form instead of selecting text / opening the dropdown, so long
  forms like Bulk add no longer misfire an edit when you meant to scroll.
• Focused fields stay above the keyboard — keyboard-avoidance now works for
  any field on any form, so nothing hides behind the on-screen keyboard.

💰 Budget

• The Budget tab now splits Spending categories and Debt payment
  envelopes into their own sections, matching the desktop layout.

📥 Install

Android: download Financy-v0.11.0-android-arm64.apk below and sideload it
(you'll need to allow installs from your browser/file manager).

Desktop: grab the package for your OS below (.deb / .rpm / .tar.xz /
.exe / macOS .zip).

---

Full changelog: v0.10.0...v0.11.0

Financy v0.10.0

Financy v0.10.0 — Faster entry & a friendlier budget ✍️

This release sharpens everyday use on mobile — bulk transaction entry, a
calendar picker for every date, and accounts grouped by type — and makes the
budget safer and the demo far more realistic on both platforms.

📱 Mobile

• Bulk transaction entry — a new Bulk add screen lets you enter many
  transactions in one pass: a scrollable list of editable rows, each its own
  type, amount, account, category (or transfer), date, payee and memo. Add as
  many rows as you like and commit them all in a single batch. It's reached from
  a Material-style speed dial that expands from the Transactions ＋ button
  (Add / Bulk add).
• Calendar date picker everywhere — every date field on mobile (add/edit
  transaction, reconcile as-of, and a debt's purchase / first-due dates) now
  opens a tappable month calendar instead of making you type YYYY-MM-DD.
• Accounts split by type — the Home screen now lists Assets and
  Liabilities as separate groups, each with its own count and color-coded
  subtotal, instead of one flat mixed list (matching the desktop Accounts
  screen).

💰 Budget

• Auto-Assign previews before overwriting — on desktop and mobile, running
  Auto-Assign now shows a confirmation popup listing every category that will
  change (current amount → new amount) so existing assignments are never
  silently overwritten. Nothing is applied until you confirm.

✨ Demo data

• Every month is now funded — the seeded demo budgets all of its months, not
  just the current one, so past months show a real funded budget with sinking
  funds visibly accumulating month over month, instead of reading "Assigned 0"
  against real spending.

📥 Install

Android: download Financy-v0.10.0-android-arm64.apk below and sideload it
(you'll need to allow installs from your browser/file manager).

Desktop: grab the package for your OS below (.deb / .rpm / .tar.xz /
.exe / macOS .zip).

---

Full changelog: v0.9.0...v0.10.0

Financy v0.9.0

Financy v0.9.0 — Financy on your phone 📱

This release brings Financy to Android — a touch-first mobile app built from
the same codebase as the desktop version, sharing the exact same double-entry
core and the same cross-platform .financy file format.

Beta. The core bookkeeping works end-to-end; some desktop features aren't
ported yet. See MOBILE.md.

📱 Mobile app (Android)

• Home, Transactions, Budget, Debts as bottom tabs, each with full-screen
  drill-down detail pages and add / edit / delete throughout.
• Account detail — running-balance register, reconcile, edit, delete, and add
  a transaction pre-filled to that account.
• Transaction detail — a kind-tinted amount, a labelled breakdown, edit/delete.
• Budget — navigate months, tap a category to assign money (with last-month /
  spent / average quick-fills), and auto-assign; add categories.
• Debts — add a debt (with a generated installment schedule), pay/undo each
  installment, edit, and delete.
• A context-aware ＋ button (adds an account, transaction, category, or debt
  depending on the tab) and proper Android Back navigation.
• Documents — one auto-saved file in the app sandbox; open/export any
  .financy file (including password-protected ones), with per-session
  write-back sync to the file you opened — so one file in a cloud folder works on
  both desktop and phone.

🧱 Under the hood

• The mobile UI is a separate package (internal/mobileui) that shares only
  the domain/data core — the desktop UI is never linked into the APK.
• APKs are 16 KB-aligned (Android 15 / Play requirement).

📥 Install

Android: download Financy-v0.9.0-android-arm64.apk below and sideload it
(you'll need to allow installs from your browser/file manager).

Desktop: grab the package for your OS below (.deb / .rpm /
.tar.xz / .exe / macOS .zip).

---

Not on mobile yet (available on desktop): Analytics, Recurring, transaction
filters/search, CSV import/export, password management, and preferences — see
MOBILE.md.

Financy v0.8.0

💰 Financy v0.8.0 — Password-protected files & smarter debt payments

This release puts your data behind a passphrase and makes paying off debts as
flexible as posting recurring transactions. Payee fields everywhere now
autocomplete from your history, too.

✨ Highlights

🔒 Password encryption

• A .financy file can now be protected with a passphrase. The document is
  encrypted at rest with XChaCha20-Poly1305 and an Argon2id-derived key, so a
  lost or leaked file is unreadable and tamper-evident without your password.
• Set a password when creating a file, or add/change/remove one later via
  File → Set Password….
• Encrypted documents use manual save (Cmd/Ctrl-S) and prompt you to save unsaved
  changes before closing; your data is only decrypted in memory while the file is
  open, never persisted to disk in plaintext.
• A forgotten passphrase is unrecoverable — there is no backdoor.

🤝 Match debt payments

• Paying an installment now opens the same review dialog as recurring transactions:
  post a new payment, or link an installment to an existing transaction that
  already paid it (re-pointed onto the debt's liability so the balance stays correct)
  instead of always posting a fresh one.
• Handles installments already paid manually or imported, and amounts that aren't
  exact.

🔧 Other changes

• Payee autocomplete — every payee field (Add Transaction, Bulk Add, Recurring,
  Debts) is now a searchable dropdown that suggests matching payees from your history
  as you type. Keep typing to filter and pick an existing payee, or enter a brand-new
  one inline.

📦 Install

Grab the build for your platform from the assets below.

• Debian / Ubuntu: sudo apt install ./Financy-v0.8.0-linux-amd64.deb
• Fedora / RHEL / openSUSE: sudo dnf install ./Financy-v0.8.0-linux-x86_64.rpm
• Other Linux: extract Financy-v0.8.0-linux-amd64.tar.xz and run the app.
• Windows: run the .exe (SmartScreen → More info → Run anyway; unsigned).
• macOS: unzip, move to Applications, first launch right-click → Open (unsigned).

The full list of changes is in CHANGELOG.md.

Financy v0.7.0

💰 Financy v0.7.0 — Faster bookkeeping & update checks

This release speeds up data entry and helps you stay current. Enter a backlog of
transactions in a single pass with the new bulk add form, and let Financy tell
you when a new version is out — on your terms, never installing anything on its own.

✨ Highlights

⚡ Bulk add for faster bookkeeping

• A new bulk-entry form with two appendable tables — income/expense rows and
  transfers — so you can knock out a backlog in one sitting.
• Every row carries its own date, money account, amount, category and payee, so
  entries spanning several days go in together; a date picker keeps dates tidy.
• Saving commits every valid row in a single batch instead of one dialog per
  transaction.

🔔 Update checks

• Financy now checks GitHub Releases for a newer version once a day on launch, or on
  demand via File → Check for Updates…, and shows a popup with a Download
  link.
• It never downloads or replaces the binary itself — you decide when and how to
  install.
• The check is an anonymous request to GitHub and sends none of your data. Use
  Skip This Version to silence the prompt for a release you're not ready for.

🔧 Other changes

• Toolbar + now consistently opens the Add Transaction form on every screen
  (it previously changed meaning per page). Per-screen adds remain as dedicated
  buttons within those screens.
• Pre-upgrade backups now embed the document's schema version in their name
  (e.g. My Budget.financy.v6.bak), so you can tell which earlier Financy version
  still opens a backup if you ever need to downgrade.
• A journal row with no payee now shows the transaction type (e.g. Expense,
  Transfer) instead of the category name, so the row title reads consistently.

🗑️ Removed

• The Reports screen (Income Statement, Balance Sheet, Cash Flow) has been
  removed — its figures were purely derived from the journal and overlapped with
  Analytics.

📦 Install

Grab the build for your platform from the assets below.

• Debian / Ubuntu: sudo apt install ./Financy-v0.7.0-linux-amd64.deb
• Fedora / RHEL / openSUSE: sudo dnf install ./Financy-v0.7.0-linux-x86_64.rpm
• Other Linux: extract Financy-v0.7.0-linux-amd64.tar.xz and run the app.
• Windows: run the .exe (SmartScreen → More info → Run anyway; unsigned).
• macOS: unzip, move to Applications, first launch right-click → Open (unsigned).

The full list of changes is in CHANGELOG.md.

Financy v0.6.0

💰 Financy v0.6.0 — Debt tracking

Financy now tracks debt as a first-class part of your finances. Add a
Buy-Now-Pay-Later or installment plan and Financy generates the schedule, opens a
matching liability account, and wires it into your zero-based budget — so the money
you owe shows up in your net worth and your monthly plan, never drifting out of
balance with the rest of your journal.

✨ Highlights

💳 A Debts module

• A new Debts screen in the toolbar (between Recurring and Analytics). Add a debt
  with its name, lender, pay-from account, total, number of installments, purchase
  date, first due date, and frequency — Financy generates a near-equal schedule
  automatically.
• Each debt is a tab with an inline installment table: Pay or Undo each
  installment, or tap an unpaid one to edit its due date or amount.
• The header summarises what's Outstanding, Due now, due This month, and
  Next month. Payments are dated when you actually pay (today), not the scheduled
  due date.

🎯 Debts in your zero-based budget

• Each debt is its own envelope under a Debt Payments group — fund it monthly, and
  paying an installment is budgeted spending that draws the liability down, leaving
  Ready to Assign neutral.
• Every debt also opens an off-budget Liability account that mirrors the
  outstanding balance, so it counts in Accounts and Net Worth.
• The original purchase is booked as a balance-sheet-only financing event on its
  purchase date (distinct from the first payment's due date) against an equity
  contra — Net Worth drops by what you owe, with no expense category charged.

⚡ Pay a debt from Add Transaction

• The Add Transaction form gains a Pay debt type: choose a debt and one of its
  unpaid installments to post the payment without leaving the transaction flow.

🗃️ Data & compatibility

• Append-only schema migrations v5–v7 add debt persistence. Existing .financy
  files upgrade automatically on open (a .bak is written first).
• Amounts remain integer minor units; money is never stored as a float.

📦 Install

Grab the build for your platform from the assets below.

• Debian / Ubuntu: sudo apt install ./Financy-v0.6.0-linux-amd64.deb
• Fedora / RHEL / openSUSE: sudo dnf install ./Financy-v0.6.0-linux-x86_64.rpm
• Other Linux: extract Financy-v0.6.0-linux-amd64.tar.xz and run the app.
• Windows: run the .exe (SmartScreen → More info → Run anyway; unsigned).
• macOS: unzip, move to Applications, first launch right-click → Open (unsigned).

The full list of changes is in CHANGELOG.md.

Financy v0.5.1

💰 Financy v0.5.1 — Maintenance release

A small housekeeping release on top of v0.5.0. No
changes to the application itself, your data, or the .financy file format —
this is purely tooling and project metadata.

🔧 Changed

• make run-dev — run against an isolated dev profile so development never
  touches your real data. It repoints $XDG_CONFIG_HOME at ./.devdata/config
  (gitignored), giving dev its own prefs.json, recent-files list, and .financy
  database; your ~/.config/financy is left untouched. (Linux/BSD only — macOS
  ignores XDG_CONFIG_HOME.)
• Funding & sponsorship — added a GitHub Sponsors funding configuration and a
  "Support / sponsorship" section to the README.

📦 Install

Grab the build for your platform from the assets below.

• Debian / Ubuntu: sudo apt install ./Financy-v0.5.1-linux-amd64.deb
• Fedora / RHEL / openSUSE: sudo dnf install ./Financy-v0.5.1-linux-x86_64.rpm
• Other Linux: extract Financy-v0.5.1-linux-amd64.tar.xz and run the app.
• Windows: run the .exe (SmartScreen → More info → Run anyway; unsigned).
• macOS: unzip, move to Applications, first launch right-click → Open (unsigned).

The full list of changes is in CHANGELOG.md.