v3.1.0 — Import Reliability, Data Protection & Performance Optimizations

Highlights

Bank Statement Analytics v3.1.0 introduces critical improvements for statement import reliability and atomicity, security hardening with encrypted PDF password storage via ASP.NET Data Protection, search query and navigation fixes, frontend performance optimizations with request cancellation and deferred loading, and comprehensive automated test suites.

---

What's New in v3.1.0

🛡️ Statement Import Reliability & Data Protection

• Account-Scoped Duplicate Detection & Atomic Persistence: Prevents duplicate imports per account while gracefully handling overlapping statements by preserving user notes, custom tags, assigned categories, and original upload ownership.
• Interrupted Import Recovery: Automatic detection and recovery for interrupted imports and temporary file cleanup.
• Import Review Warnings: Real-time warnings for statement balance discrepancies and unrecognized merchants with direct drill-down links to imported records.
• Encrypted PDF Passwords: Saved account statement PDF passwords are now encrypted at rest using ASP.NET Core Data Protection (Uploads/.statement-keys), with transparent migration of legacy plaintext passwords on startup.
• Serialized Import Processing: Concurrent manual uploads and automated watch-folder sweeps are queued and executed sequentially to eliminate database lock contention.

🔍 Search Navigation & Anomaly Drill-Down

• Scoped Global Search: Navigating to transactions via global search (Ctrl+K) or anomaly alert links properly initializes the account scope and active search filters, even when the Transactions page is already active.
• Request Cancellation & Anti-Overlap: Search autocomplete queries honor request cancellation tokens, and import error polling suppresses overlapping background requests.

⚡ Performance & Usability Improvements

• Paginated Google Pay Activity: Google Pay records and insights are paginated for instant rendering and reduced memory footprint.
• Batched Account Summaries: Multi-account status cards batch database queries for responsive dashboard load times.
• Deferred Dialog & Page Loading: Lazy-loaded settings sub-panels and modal dialogs reduce initial bundle evaluation overhead.
• Settings Layout Polish: Streamlined Google Pay profile configuration and account import action buttons.

🗄️ Database Migrations (v8)

• Added Migration 8 introducing recoverable import tracking metadata, account file-hash uniqueness, and encrypted storage columns for statement credentials.

---

Artifact Checksums

Artifact	File	Size	SHA-256 Checksum
Windows Installer	BankStatementAnalytics-Setup-3.1.0.exe	66.7 MB	574f1039696a9e5852cd8cf535e347307c2722f391ca8e1e11ae0050f53aa24e
Portable ZIP	BankStatementAnalytics-Portable-3.1.0.zip	101.3 MB	8cd00c50737d0957a4bcfe322efaaaf47cc8e2d824cb6e208c2ae2bc12442582

v3.0.0 — Bill Splits, Google Pay Activity Integration & Mobile Redesign

Highlights

Bank Statement Analytics v3.0.0 introduces Bill Splits & Group Expense Sharing, multi-profile Google Pay (GPay) Takeout Activity Integration with intelligent automatic bank statement matching, an end-to-end Mobile & Desktop Responsive UI Redesign, a brand-new Tag Management System, and Local Network (LAN) Access Controls with an In-App Update Engine.

---

What's New in v3.0.0

👥 Bill Splits & Shared Expense Groups

• Comprehensive Splits Page: Dedicated hub for tracking shared expenses across roommates, group trips, and shared household bills.
• Group & Member Tracking: Support for named bill groups, custom participant lists, individual VPAs/UPI IDs, and assigned vs. settled amounts.
• Transaction Splitting: Split any single transaction across multiple categories or participants directly from the transaction drawer or split modal.
• Repayment Tracking in Analytics: Split repayments are separated into personal shares and participant reimbursements, avoiding double-counting in Overview, Trends, and Reports.

📱 Google Pay Activity Import & Automatic Bank Matching

• Multi-Profile GPay Takeout Support: Import Google Pay activity archives (.zip / .json exports) with complete isolation across multiple household or personal profiles.
• High-Precision Bank Matching Engine:
  • Deterministic linking correlating transaction amounts, payment direction, bank account suffixes, and date / value-date evidence.
  • Value-date reconciliation for midnight and next-day bank value postings.
  • Payee name truncation handling and learned alias memory for shortened statement descriptions.
  • Competition detection and disambiguation warnings for same-day, same-amount transactions.
• Evidence Inspection: View source snapshots, settlement allocations, and verification statuses directly within transaction details.

🏷️ Tag Management & Custom TagPicker

• Full Tag Lifecycle Management: Create, edit, color-code, and delete custom tags from the new Tags management tab in Settings.
• Instant TagPicker Popover: Replaced native browser datalists with an interactive popover featuring search, recently used tags, and inline tag creation.
• Split-Aware Tag Filtering: Filter statement transactions by tags and split categories across all analytical views.

📱 Complete Responsive & Mobile UI Overhaul

• Off-Canvas Slide-in Drawer Navigation: Modern overlay drawer on tablet and mobile screens (≤ 1024px) with backdrop dismissal and auto-close.
• Adaptive Header & Breadcrumbs: Mobile-friendly PageHeader with hamburger menu toggle, compact action buttons, and direct Settings gear access.
• Single-Month Responsive Date Range Picker: Adaptive calendar modal collapsing cleanly on mobile viewports (≤ 640px) with horizontally scrollable preset chips.
• 2x2 Compact Stat Cards Grid: Refactored KPI summaries across Overview, Trends, Insights, and Reports into high-density 2x2 grids on small screens.
• Touch-Friendly Data Tables: Horizontal scrolling wrappers (.table-responsive), clamped card row views for mobile transactions, and responsive action strips.

⚙️ Categorized Settings Hub & Navigation

• Four Dedicated Setting Categories:
  • 💳 Finance & Data: Accounts, Categorization Rules, Tags, Bank Data, Import / Export.
  • 🎨 Preferences: Appearance, Currency & Formatting, Display Options.
  • 🛡️ System & Security: Security & Passwords, Local Network Access, Software Updates, Service Diagnostics.
  • ℹ️ Help & Support: About, Documentation, Logs, Reset.
• Settings Search & Quick Jump: Search across all settings panels or press Ctrl+K to jump directly to any configuration section.

🌐 Local Network (LAN) Access Controls

• Private Network Sharing: Safely allow phones, tablets, or other local devices on your home/office network (RFC 1918) to access Bank Statement Analytics.
• Network Settings UI: Real-time LAN toggle, host IP address discovery, and one-click copyable device URLs.

🔄 In-App Update Engine

• Automated Update Checking: Check for new releases directly from the Updates tab in Settings.
• Detached Upgrade Runner: Download signed installers and trigger service upgrades seamlessly from the web interface.

🗄️ Database Migrations (v4, v5, v6, v7)

• Automated schema migrations applying upon launch:
  • v4: split_groups and split_group_members tables.
  • v5: Persistent bill_groups and bill_group_members schema.
  • v6: Google Pay source evidence (gpay_evidence_records) and settlement allocations (gpay_settlement_allocations).
  • v7: Multi-profile support columns (gpayprofileid, gpayownername) on split and bill groups.

---

Artifact Checksums

Artifact	File	Size	SHA-256 Checksum
Windows Installer	BankStatementAnalytics-Setup-3.0.0.exe	66.7 MB	9722a1bfdd9f7044d620f6652c3b3efc84fc7d55ed0c415bf96039386c5c1141
Portable ZIP	BankStatementAnalytics-Portable-3.0.0.zip	101.3 MB	77707a857957afc90f488b73141e8de0ff86089d020681034ee58f4ac2fd81fc

v2.0.0 - Global Search, Forex Tracking, Financial Planning & Heatmaps

Bank Statement Analytics v2.0.0 introduces major enhancements for financial discovery, currency tracking, long-term planning, and performance.

🔍 Global Search Modal

• Press / anywhere in the app to open the quick-search overlay.
• Search instantly across transactions, merchants, accounts, notes, and categories.
• Jump straight to filtered views with keyboard navigation.

🌐 Forex & International Transactions Tracking

• Automatic detection of multi-currency transactions and international card swipes.
• Displays foreign currency amounts, exchange rates, and estimated bank markup fees.

📅 Annual Financial Summary & Net Worth Trajectory

• Comprehensive multi-year financial health dashboard.
• Net worth trajectory visualization and annual cash flow dynamics.
• Year-over-year category comparisons to spot shifting expenditure patterns.

📊 Daily Spending Heatmap

• Visual calendar heatmap displaying spending concentration, high-outflow days, and quiet periods.
• Click into any day to drill down directly to underlying transactions.

🎯 Advanced Financial Planning & Analytics

• Burn Rate & Runway Calculator: Estimates how many months current savings will last based on historical net outflow.
• Emergency Fund Target: Configurable safety buffer tracker with monthly progress metrics.
• Retirement & Savings Forecast: Interactive projection modeling monthly savings compounding over time.

📋 Enhanced Data Tables & Filtering

• Column header sorting and dropdown filtering in Transactions and Merchants tables.
• High-contrast checkbox indicators and refined row selection highlights in both light and dark themes.

💳 Credit Card Handling & Shared Limits

• Fixed calculations for shared credit limits across multiple cards to accurately reflect available credit.
• Preserves draft edits in the Settings credit card modal.
• Corrected billing-month cycle boundary calculations and drill-down date ranges in Trends.

⚡ Reliability & Migrations

• Instant branded splash animation on application start.
• Automated versioned database migrations powered by Common.Framework.Migrations.

---

Checksums & Verification

Artifact	File	Size	SHA-256 Checksum
Windows Installer	BankStatementAnalytics-Setup-2.0.0.exe	66.2 MB	a5a404a1932938483887ebab629a1cd32cf01d920a14daf1fdf740fac408ed1d
Portable ZIP	BankStatementAnalytics-Portable-2.0.0.zip	100.7 MB	c3c9b83bb7ea283126d47f331a84edfbbf5db4fcbf9f7168db45891d1e50dc3e

v1.0.0

First public release of Bank Statement Analytics — a self-hosted personal
finance app that turns bank statement exports into categorized, searchable
transactions with trends and insights.

Installing

Download and run Bank Statement Analytics-Setup-1.0.0.exe. It installs a
Windows service with a bundled, embedded PostgreSQL instance — no separate
database install or Docker needed. Once installed, open http://localhost:5080
and create your admin account on the setup screen.

What's in it

Statement import

• Parsers for HDFC savings, HDFC credit card, and IOB statements (.txt, .csv, .pdf)
• Coordinate-based PDF extraction, including password-protected statements
• Watch-folder auto-import with per-account history, retry after a password fix,
  and a desktop toast when an import fails
• Per-account statement storage with drill-down from a transaction to its source upload

Categorization

• Merchant-based categories with per-transaction overrides
• Searchable category picker, bulk categorize and tag, inline notes
• Category suggestions for uncategorized merchants, plus merge suggestions

Analysis

• Overview with a 6-month cash-flow chart, credit card panel, and paged activity feed
• Trends, Insights, Reports, Budgets, Bills, Investments, Deposits, Transfers
• Own-account transfer detection, excluded from income/spend totals
• Monthly and yearly reports with a server-rendered PDF download
• Drill from any summary tile into the transactions behind it

Credit cards

• Statement summary extracted from PDF uploads, utilization, billing cycles
• Unpaid card bills surfaced on the Bills page and in the reminder bell

Everything else

• Multi-user with self-registration; each user sees only their own data
• Dark mode with system/light/dark preference
• Privacy mode that masks amounts and merchant names
• Full instance backup and restore as a single zip
• First-login onboarding guide