ClearBudget v1.1.2

New Feature

• Discretionary budget — "Freedom to spend"
  The solvency panel now shows a meaningful "Freedom to spend" figure based on
  how much headroom you genuinely have, accounting for the upcoming month's
  intra-month cash flow low point.

  Formula: Freedom = max(0, next-month low point − discretionary buffer)

  • Next-month low point — the minimum bank balance at any day during the
    following month, simulated event-by-event in day order. This is the tightest
    moment your account will reach, and is therefore the safe upper bound on
    what you can spend freely right now.
  • Discretionary buffer — a small safety cushion you configure yourself
    (default £50). Ensures a minimum residual in the account even at the low
    point.

  Example: if next month's low point is £278 and your buffer is £50,
  the panel shows "Freedom to spend: £228".

  If the result is zero or negative (the low point is already below the buffer,
  or the upcoming months are already tight), the panel shows
  "No discretionary budget this month" — which is the correct and honest answer.

UI Change

• Discretionary buffer setting on solvency page
  A small "Discretionary buffer: £ [___]" input field now appears directly
  below the freedom figure. Type a new amount and press Enter to save. The
  value is persisted per-user in the settings database and the panel refreshes
  immediately. Default is £50.00.

Bug Fixes

• Fix: "Freedom to spend" was always zero
  The previous formula subtracted all bills (bank + credit card) from income.
  Credit card bills do not leave the bank account directly, so this caused the
  discretionary figure to always be negative or zero even in safe months.
  Replaced with the low-point formula described above.

ClearBudget v1.1.1

Bug Fix

• Fix: closing login window now exits the application
  Closing the login dialog with the window X button previously left the
  application running invisibly in the background. Because the process still
  held the single-instance mutex, re-launching ClearBudget would show an
  "already running" warning with no way to recover short of Task Manager.

ClearBudget v1.1.0

UI Improvements

Import/Export Database moved to File menu
Removed the Export Database and Import Database buttons from the Archive tab. Both actions
now live under File > Export Database... and File > Import Database..., a more
appropriate location. The Archive tab is now data-only.

Column widths auto-fit content
All tables (bills, income, credit cards, archive) now use ResizeToContents so column
widths always match their data. No more truncated values.

Delete confirmations
Deleting a bill template or income source now requires confirmation via an "Are you sure?"
dialog before the record is removed.

Live database reload after import
Importing a database no longer requires restarting the application. The window rebuilds
in-place after a successful import using a database_replaced signal chain.

New Feature: Display Currency Selection

File > Preferences - Display Currency
Users can now choose their display currency. 25 currencies are supported, covering
English-speaking countries and territories:

Code	Symbol	Currency
GBP	£	British Pound
USD	$	US Dollar
EUR	€	Euro (Ireland / Malta)
AUD	A$	Australian Dollar
CAD	C$	Canadian Dollar
NZD	NZ$	New Zealand Dollar
ZAR	R	South African Rand
SGD	S$	Singapore Dollar
HKD	HK$	Hong Kong Dollar
INR	₹	Indian Rupee
NGN	₦	Nigerian Naira
GHS	₵	Ghanaian Cedi
KES	KSh	Kenyan Shilling
PHP	₱	Philippine Peso
PKR	Rs	Pakistani Rupee
BDT	৳	Bangladeshi Taka
JMD	J$	Jamaican Dollar
TTD	TT$	Trinidad & Tobago Dollar
NAD	N$	Namibian Dollar
BWP	P	Botswanan Pula
ZMW	ZK	Zambian Kwacha
BZD	BZ$	Belize Dollar
GYD	G$	Guyanese Dollar
FJD	FJ$	Fijian Dollar
PGK	K	Papua New Guinean Kina

• Setting is per-user, saved to the user's budget database
• Takes effect immediately - the window rebuilds on save
• All amount displays throughout the app use the active symbol: tables, labels,
  solvency panel, credit card bars, projection text, dialog field labels
• Defaults to GBP for all existing users

New Feature: Multi-User Login System

ClearBudget now supports multiple user accounts with secure authentication.

First-run wizard
On first launch, a setup wizard prompts the user to create an admin account with a
username and password. A one-time recovery code is displayed and must be acknowledged
before proceeding - the dialog cannot be dismissed without copying or confirming the code.

Login screen
All subsequent launches show a login dialog. Users authenticate with their username and
password before accessing any budget data.

Per-user databases
Each user has an isolated budget database (budget_<username>.db). No user can access
another user's data. The legacy single-user budget.db is not auto-migrated.

Password reset via recovery code
A "Forgot password?" link on the login screen opens a reset dialog. Users provide their
username and the recovery code shown at account creation to set a new password.

Switch User
File > Switch User locks the current session and returns to the login screen without
closing the application. Any user on the system can then log in.

Admin: Manage Users
Admin accounts have access to a Users menu with a Manage Users dialog. Admins can add
new user accounts and delete existing ones. An admin cannot delete their own account.
Non-admin users do not see the Users menu.

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New Feature: New Budget

File > New Budget
Wipes all bills, income sources, credit cards, overrides, and settings for the current
user after two separate confirmation dialogs. Allows starting completely fresh without
creating a new account.

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Technical

• bcrypt/Blowfish password hashing for all user credentials
• Recovery codes stored as bcrypt hashes - plaintext never persisted
• Full flake8 and black compliance across the entire codebase

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ClearBudget v1.0.3

Bug fix release:

• Address problem whereby income due date occurred but bank balance was not updated.
• To address this, the entry date for when a bank balance is edited is stored.

ClearBudget v1.0.2

• Initial release with fully fledged functionality.
• See README.md for details.