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).

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