v3.5.0

Two major new modules land in this release — Spending & Budgeting and
Allocation Targets & Rebalancing , plus a revamped net-worth dashboard, a
rebuilt performance pipeline, and AI-assisted categorization and classification.

🚀 Major Features

💸 Spending & Budgeting

Full cash-flow tracking, categorization, and budgeting module — enabled by
default on fresh databases.

• New Spending module activated by default in settings
• Categories & taxonomy with icon/color pickers and Phosphor duotone icons
• Categorization rules engine with bundled presets and auto-categorization
• Monthly budgets with groups, targets, rollovers, and copy-from-another-month
• Spending Events timeline with stacked lanes and rich detail panels
• Narrative Insights page with click-to-drill-down, cash-flow buckets, and
  FX-aware reporting (#1059, #1063)
• Credit-card spending, payment handling, and transfer support (#1067)
• AI categorization for uncategorized transactions

📊 Allocation Targets & Rebalancing

End-to-end allocation and rebalancing planner, delivered across four milestones.

• Target profiles with drift tracking and scope-aware (per-account) profiles
  (#1025, #1036, #1041)
• Model presets — GICS/region, risk-category, instrument-type (Passive,
  Core-Satellite, Diversified)
• Exposure-aware greedy drift planner with after-drift-by-category breakdowns
  (#1048)
• Cash-flow top-up, sell-to-rebalance, and hybrid scenarios (#1054, #1057)
• Whole-shares/fractional modes, min-trade filtering, rebalance goals
• CSV export, copy-as-text, and a redesigned planner UI

🏠 Net Worth Dashboard Revamp (#1024)

• Richer breakdown with per-category items and account-named cash
• New shared DashboardCard glass component across holdings, goals, budget, and
  activity
• Row-detail drawers, collapsible breakdowns, pace & momentum redesign
• Mobile polish: compact balances, single-line tabs, actions in the mobile
  header

📈 Portfolio Performance Pipeline (#1029)

A rebuilt, backend-owned performance engine. Frontend, Tauri, web, addon, and AI
surfaces now consume a single typed PerformanceResult instead of rolling up
returns in the client.

• True Time-Weighted Return (TWR) — replaces the previous Modified Dietz
  approximation. Builds daily valuation periods and links daily returns
  geometrically, neutralizing the size and timing of external cash flows
  (inflows treated as start-of-day, outflows as end-of-day).
• Money-Weighted Return (IRR/XIRR) — dated-cash-flow personal return on an
  ACT/365.25 basis, with selected-period and annualized variants.
• Value Return — cash-flow-adjusted growth used for holdings-only,
  mixed-tracking, and symbol/price scopes where a complete cash-flow ledger
  isn't available for TWR/IRR.
• Annualized variants for TWR, IRR, and value return.
• Full attribution — contributions, distributions, income, realized &
  unrealized P&L, FX effect, fees, taxes, and residual, reconciled to the period
  value change (with a warning when residual exceeds tolerance). Realized P&L
  comes from persisted lot-disposal slices.
• Risk metrics — volatility and max drawdown in full-profile results.
• Scope-aware — account, portfolio, dashboard group, saved portfolio, and
  symbol scopes, each with the metric appropriate to its tracking mode plus
  data-quality warnings for missing/partial metrics.
• Scoped cash flows, transfer-flow resolution, and split disposal income
  attribution.
• Custom portfolios selectable in the Add-account selector.

🗂️ Multiple Portfolio Reporting Scopes & Account Filters (#964, #995)

• You can now create multiple Portfolios to groups accounts and have a clean tracking, reporting and comparison #938
• Unified AccountScope filter across Holdings, Income, Allocations, Activity

✨ Other Features

• AI Asset Classification preview widget and tools, with apply safeguards
  (#1052)
• Buy & Sell activity markers on the stock history chart (#981)
• Scoped lots valuation — materialized lots/snapshot_positions tables,
  redesigned asset-lots view (#1002, #1011)
• Transaction CSV imports and import profiles in the assistant
• Remember last-selected tab on the portfolio page
• Activity search toggle with date-range support
• 12-hour AM/PM date parsing on import (#1046, fixes #984)
• Health Center surfaces invalid transfer groups
• Embedded addon source removed from the app repo (#989)

🎨 UI & Design

• Refined dashboard typography and category-hierarchy table density
• Dark-mode-safe chart colors and allocation-target color palette
• Income & dashboard history chart scaling and layout improvements
• Broad mobile-layout polish across spending, insights, and dashboard
• Tooltip UI refresh

🐛 Bug Fixes & Improvements

• Backend-owned data exports (#987)
• Liabilities can sit at $0 without a stale warning; future-dated payoffs no
  longer show as fully paid or zero out balances (#988, #1045, closes #1033)
• Options: contract multiplier applied to option-activity totals (#1058);
  expired options excluded from stale valuations
• Activity import: resolve symbols → asset_ids on the import path (#856)
• Sync: coverage for recent migrations, transfer-pair cascade delete/update
  (#1031), broker patch replay, snapshot restore/repair hardening,
  unknown-entity handling (#1053)
• Holdings/portfolio cache invalidation on account mutations (#1026)
• Performance/P&L: fixed all-time transaction P&L baseline and date-range
  handling (#1049)
• Spending: timezone-skew tolerance in event tagging, refund/sign hygiene,
  deterministic IDs, stale-data cache fixes
• Mobile: bottom-nav overlap (#1040), markdown table overflow & avatar fallback
  (#1038), income-chart cumulative axis
• Provider-neutral dividend fetching (#1021)
• Provider-neutral Connect activity sync
• Broker sync improvements — Trading212 fixes, account-type normalization,
• Numerous dependabot security patches (#1042)

🙌 Contributors

Thanks to everyone who contributed to this release:

• @afadil — maintainer; Spending, Net Worth dashboard, Performance pipeline,
  lots valuation, sync, and more
• @Jonjon-prog — Allocation Targets & Rebalancing (M1–M3), Portfolios, portfolio
  filters, transfer-pair sync (#964, #995, #1025, #1036, #1048, #1054, #1057,
  #1031)
• @marcolagos - for initiating the foundations of the spending tracker , #494
• @triantos — materialized lots, unified valuation, relational snapshot positions
  #972. Option-activity contract multiplier fix (#1058)
• @ChampionBuffalo1 — Buy & Sell activity markers on stock history (#981)
• @loreboldo — liability future-dated payoff fix (#988)
• @eldossjogy — asset-id validation & mobile activity-date default (#1056)

Full Changelog:
v3.4.0...v3.5.0