MyWallet 1.2.0

Debts, loans and credit cards; deductions taken from income; fees and refunds; a new look with charts, account pages and entry pages. The database changes, and the upgrade keeps every record.

Debts and loans

• Record money you lend and each part paid back. The Debts screen shows who still owes you and how much. Lending and getting paid back are not income or expense in Tracking.
• Record a loan you take and each repayment. Interest you pay is split out and is the only part that counts as an expense.
• Close what is left of a debt when it is forgiven or lost. Writing it off records the rest as "Debt forgiven" income or "Lost debt" expense.
• The More choice on the transaction form adds five debt kinds: a debt you already had, something bought on credit, work done and paid later, and the two sides of a loan. A phone bought on credit for 1,000 shows a 1,000 expense on its day and 1,000 owed to the shop, with no account changed.
• Each debt has its own page with its history. Repayments can be edited, and write-off and deletion ask you to confirm first, with undo.

What is really yours

• Home shows what is in your pocket next to your balance, with what others owe you and what you owe. With a 1,000 balance and 300 lent to Sara, your pocket is 700.

Deductions from income

• Create your own deductions (tax, a family share, a bill) with a default percent or fixed amount, and switch each one on or off.
• An income fills in the deductions that apply to its category. You can change or add them on the entry, and the form shows the result before you save, for example "Bank receives 980, you owe 150".
• Paying a deduction later, from any account, settles what you owe and does not count as spending a second time.

Credit cards, fees and refunds

• New account type: credit card. Set its limit and see what you owe and what is still available. Spending counts when you buy; paying the card from the bank is a transfer.
• Transfers can carry a fee, and each account can have a default fee. Cashing out 300 from an e-wallet that takes 2% puts 294 in Cash and 6 in Fees. A fee you typed stays when you change the source account.
• A refund from a shop lowers what you spent in that category instead of showing up as income.
• Interest, Tax, Fees, Lost debt and Debt forgiven are ordinary categories you can rename or remove.

Entries keep the value of their day

• An entry in another currency keeps the rate it had on its day, and the list shows that value. Last month's totals no longer move when today's rate changes.

Charts and Tracking

• Tracking has a spending breakdown chart with each category's share, and a net worth line over the period you pick. The net worth line uses today's rates and says so.
• Tracking totals sit together in one card, with links to the spending and net worth views.
• Export the period on screen as a CSV file. You pick where to save it, and the file matches the report you selected. If the save is interrupted, the app tells you.

Account and entry pages

• Tap an account on Home or in Manage accounts to open its page: the balance, a card's owed and available amounts, and that account's own entries. You can start a new entry from there.
• Tap an entry in the list to see what was saved, including fees and deductions, before you choose to edit or delete it.

A new look

• New colour palette, cards, rows and navigation bar across the app. The transaction form leads with the amount, and Home's balance card labels each figure.
• Screens slide in from the side you read from. The motion is off when system animations are off.
• Settings rows show a second line and an icon, and new pages cover About, Privacy, and Support and FAQ. Support links can be tapped.
• The app is now licensed under Apache 2.0, and Settings shows the license.

Fixes and accessibility

• Screens stay readable at 200% text size: tab labels, list rows, type choices, totals and rate controls no longer clip, and the last row of each list stays clear of the add button.
• Section titles are announced as headings by TalkBack.
• The status and navigation bars follow the app theme.
• A transfer with only one account explains what is needed instead of failing.
• Percent fees above 100 are refused.
• A backup is checked before it is written, and a wallet with damaged data blocks account actions that could make it worse.
• Settings buttons are disabled while an action is running, and the theme picker opens fully.

Upgrading

• The database updates itself on first launch, and every account, amount, date, note and category link reads the same as before. Income and expense entries take the rates saved on the upgrade day.
• Export a backup from Settings before you update, as with any update.
• Backups from 1.1 restore in 1.2. A backup made in 1.2 cannot be restored in 1.1; that version asks you to update MyWallet.

Full notes for the 1.2 line: docs/releases/v1_2.md