1.27.4

Budget Tracker 1.27.4

Housekeeping. Nothing should look or behave differently.

Changed

• Styling cleaned up for Obsidian's plugin checks. Grid gaps, hidden
  settings rows, the flat "link" buttons, the swipeable tab and action bars and
  the trend chart's hover dimming now use approaches that hold up on older
  Obsidian versions.

Also in this release

• The README now spells out the plugin's three network calls (all to SimpleFIN,
  all optional) and why base64 appears in the code.
• Added a contributing guide.

Update

Replace main.js, styles.css and manifest.json in
<your vault>/.obsidian/plugins/budget-tracker/, or use Check for updates
in Settings → Community plugins.

1.27.3

Budget Tracker 1.27.3

Added

• Necessary expense: a category type for unavoidable one-off spending. An
  oil change is needed but isn't a bill, isn't regular like gas, and isn't a
  transfer. Mark its category a necessary expense and spending on it no longer
  draws down your spending allowance. Nothing is projected or reserved for it.
  It shows in "Where this period's money went" as Necessary expenses.

Changed

• Categories settings is shorter. One line of explanation, and each
  category has just Settings and Delete. Settings holds its name and
  what it counts as: Spending, Variable necessity, Scheduled bill, Necessary
  expense or Transfer. It's one choice at a time, so a category can't be both a
  transfer and a necessity.
• Bank sync says it can be unstable. A short purple note under the
  SimpleFIN description: "(Unstable) Some transactions may not appear until you
  use Adjust on SimpleFIN Bridge's website."

Update

Replace main.js, styles.css and manifest.json in
<your vault>/.obsidian/plugins/budget-tracker/, or use Check for updates
in Settings → Community plugins.

1.27.2

Budget Tracker 1.27.2

One display fix. Nothing about how your money is calculated has changed.

Fixed

• Money moved to a savings goal no longer shows in "Where this period's money
  went." Like a move between your own accounts, it's the same money in another
  place, so it's left out of the list, the total and the count. Your spending
  allowance is unchanged.

Update

Replace main.js, styles.css and manifest.json in
<your vault>/.obsidian/plugins/budget-tracker/, or use Check for updates
in Settings → Community plugins.

1.27.1

Budget Tracker 1.27.1

Four display fixes. Nothing about how your money is calculated has changed.

Fixed

• Moves between your own accounts no longer show in "Where this period's
  money went." They're the same money in a different place, so they're left
  out of the list.
• Card payments are shown apart. They're still listed and counted, since the
  cash did leave, but as their own Card payments line with the amount in
  purple and a short note: "Pays off spending already counted on the card."
• A fund in the hero no longer leaves a gap under the other figures. With a
  capped fund dragged into the hero, Spendable and Total flexibility now grow
  to match its height. On a phone, nothing changes.
• The Debt Reduction / Savings Focus switch looks like a switch in
  Obsidian. The unselected side is now flat and muted, and the selected one is
  the filled pill.

Update

Replace main.js, styles.css and manifest.json in
<your vault>/.obsidian/plugins/budget-tracker/, or use Check for updates
in Settings → Community plugins.

1.27.0

Budget Tracker 1.27.0: Loans

The first public release of Budget Tracker: a per-paycheck budget dashboard
that works out what you owe before the next payday and what's left to spend.

New: loans

Track car, mortgage, student and personal loans next to your cards and
buy-now-pay-later plans.

• Add a loan from the Debts tab or the command palette. Enter the balance,
  APR and monthly payment. A mortgage also asks for escrow.
• Future first payment. Nothing is set aside until the pay period the first
  payment falls in. The row shows a "starts Nov 9, 2026" badge until then.
• Lender balances. Optionally link a SimpleFIN account so each sync takes
  the balance straight from your lender.
• Interest the way lenders charge it. Car, student and personal loans
  accrue simple interest daily. A mortgage charges a month's interest and
  escrow at each due date, so paying a few days early doesn't count as
  principal.
• Each loan row shows payments left, the payoff month, interest still to
  come, what $50 more a month would save, and equity if you enter what the
  asset is worth.
• In your budget: a loan's payment is reserved in the pay period it's due
  in. A missed payment stays reserved, and a paid-off loan reserves nothing.
  Loans with an APR take spare cash in the payoff ladder, ranked by rate with
  your cards.
• "Extra toward principal" in Apply Payment lowers the balance while next
  month's payment stays due. It turns itself on when this month is already paid.
• Closing a loan: sold, traded in, refinanced or paid off. A sale shows
  your result as you type, either money to you or a shortfall you covered. Sale
  money is filed as a transfer, not income. Closed loans stay listed, and
  Reopen brings one back.
• Changing a started loan's due date keeps payments already made with the
  months they paid.

Fixed

• A payment applied while it was a pending hold now takes the posted date when
  the hold settles. It used to count as "today".

Also in this release

• Charts no longer use innerHTML, and command names are in sentence case.
• Added a README with data and network disclosures, and an MIT license.
• All test data is now synthetic.

Install

Download main.js, manifest.json and styles.css and put them in
<your vault>/.obsidian/plugins/budget-tracker/. Then enable Budget
Tracker in Settings → Community plugins.

Your data

Everything is stored as JSON in your vault. The only network requests are to
SimpleFIN Bridge, and only if you set it up. See the README for details.