Moved the Gain/Period toggle to the top of the tab as a full-width master control with a sliding gold selector and icons; it now drives the headline, chips, the accounts list, and benchmarks. Removed tap-to-chart from the "Your Accounts" rows — they're display-only now. Turned the Benchmarks section from a card carousel into a list (matching "Your Accounts" styling: gradient icon, sparkline, return pill). Benchmarks now show in both Gain and Period modes, measured over the date filter. Bug fixes Fixed the sparklines leaking outside their boxes (added chart plot clipping). Fixed the gain sort: Net Worth is no longer pinned to the top, so "Biggest gain" actually puts the largest gainer first; each row now shows the gain $ amount, total value, and % so every sort key is visible. Gain math Gain mode now shows true capital gain vs cost (P&L excluding deposits), not balance change. Stock portfolios use the exact same formula as the stock data tab (InvestmentView): market value − invested, % = P&L / invested, cash excluded — pulled from the same live cached value the stock tab uses. Extracted one shared stockGainVsCost helper so the graph's headline/chip and the accounts list use identical math (and both match the stock data tab). Made the displayed % consistent with the value and gain shown in each row.

Billing Improvements Account selection is now required when recording payments and receipts. A clear indicator and warning guide you to choose an account before confirming, ensuring every transaction is properly tracked. Dues Visual Refresh Simplified the color scheme across the Dues tab to reduce visual clutter. Amounts now use a clean neutral tone, with color reserved for category icons and expense/revenue accents (orange and green). The overall experience feels calmer and easier to scan. Stability & Performance Fixed a calendar rendering issue that could cause undefined behavior with duplicate day labels. Improved thread safety across background services for smoother performance. General code cleanup and audit pass.

Tax Planning Tax savings calculator with W-2, self-employment, and investment income Tax-advantaged account tracking (401k, Roth IRA, HSA) with holdings, contributions, and employer match Deductions and credits tracker with per-category breakdowns Live Yahoo Finance search when adding holdings to tax accounts Budgeting & Transactions 6 months of transaction history with category tracking Recurring transaction engine — auto-generates from rules (monthly, biweekly, yearly) Category budgets with monthly limits Credit card tracking with rewards rates, sign-up bonuses, and annual benefit calculations Bank app deep linking — tap to open Chase, Schwab, Fidelity, Coinbase, Amex directly Accounts & Net Worth Full account system — checking, savings, brokerage, credit cards, loans, tax-advantaged Dashboard net worth snapshot with investment integration toggle Asset and liability detail views Savings goals with deadlines and progress tracking Student loan and debt tracking with payment schedules Design Dark-mode-first premium UI with gold accent theme Collapsible sections throughout Customizable font design via settings Clean side menu navigation

Budget Tab — Completely Redesigned New visual spending ring shows exactly how much of your budget you've used at a glance Expandable category bar chart — tap any category to see recent transactions and set a budget Set budgets as a fixed dollar amount or as a percentage of your income Allocation overview shows how much of your income is budgeted and how much is still available Last 7 days spending velocity chart Collapsible sections so you control what you see Recurring & Subscriptions New detailed subscriptions breakdown in Insights showing every recurring charge with frequency, renewal dates, and monthly/annual costs Smarter recurring transaction detection and linking New options when stopping a recurring item: detach a single transaction, stop and delete future charges, or stop and delete all linked transactions Quality & Performance Fixed a crash that could occur on first launch Fixed currency symbol display issues Smoother animations and faster navigation throughout Collapsible sections added across Budget, Insights, and Settings for a cleaner experience

Smarter Insights — The Composition breakdown now leads with Income, giving you a clearer picture of where your money comes from before where it goes. Tap any category to highlight it across the chart and list. Investment Hub Refresh — Asset class cards now surface key details at a glance — average returns, risk level, and subtitles — so you can compare vehicles without tapping in. The compound interest calculator now breaks down your contributions vs. growth. Tax Vault Upgrade — See your total potential tax savings right at the top. Each strategy card now shows the annual dollar amount you could save, making it easier to prioritize the accounts that move the needle most. Light & Dark Mode, Instantly — Toggling your theme now updates every screen immediately — no more backing out and coming back in.

Bug Fixes Transfers now work correctly — Money properly moves between accounts when transferring from assets to pay off debt Transfer history stays separate — Transfers no longer appear in your Expenses or Revenue totals Deleting transactions restores balances — When you delete a transaction, your account balance is correctly adjusted back Edit your categories — You can now rename, change emoji, or delete categories from the transaction screen Liability accounts available in transfers — You can now select liability accounts when making transfers to pay off debt Balance updates instantly — Account balances now refresh immediately after completing a transfer

Income Breakdown — See where your retirement income will come from with a visual breakdown by source What-If Scenarios — See how investing an extra $200, $500, or $1,000/month changes your future wealth Projection Range — View optimistic, expected, and conservative projections to plan for any market condition 8 Wealth Engines — Track Stocks, Real Estate, Crypto, Startups, 401(k), Roth IRA, HSA, and IUL all in one place

Bug Fixes: Resolved an issue where the "Save" button was missing when editing Liability accounts. Smart Entry: Transaction entry now intelligently selects your default Asset or Liability account based on the transaction type.

Default Account Logic: Long-press or swipe on any account in the Assets or Liabilities tab to mark it as "Default." Smart Switching: The "Add Transaction" screen now remembers your default choices and switches context automatically. Visual Upgrades: Fixed layout and colors for Light Mode in creation sheets. Replaced auto-filled text with cleaner placeholders. Added visual toggles for "Liquid vs. Fixed" assets. Bug Fixes: Resolved theme inconsistencies in the Add Account sheet.

Light Mode Support: The app now fully adapts to both Light and Dark modes with a new dynamic theme engine. Net Worth Toggle: You can now toggle Liabilities on/off in your Net Worth Dashboard to view your "Buying Power" vs. "Total Net Worth." Visual Upgrades: Improved readability for charts, maps, and transaction history cards. Roadmap Improvements: Fixed scrolling behavior in the Financial Roadmap age slider for a smoother experience. Bug Fixes: Resolved symbol compatibility issues and layout bugs for better stability.

Fixed Data Persistence: Resolved an issue where user data would not save correctly or would disappear after restarting the app. iCloud Sync: Enabled iCloud backup so your financial data is now securely saved and restored automatically if you reinstall the app. Sample Data Cleanup: Fixed a bug where sample data would reappear after being deleted. Net Worth Accuracy: Improved the calculation logic for the Net Worth Dashboard to ensure cash flow and transaction history are reflected instantly and accurately. General Improvements: Enhanced stability and performance for smoother financial tracking.