Version 3.0 is our biggest update yet: • New Home dashboard with your net worth, trend and a suggested next step • iCloud sync across your iPhone and iPad • Goals that tell you if you're on track, complete themselves, and can have no target date (milestones are now goals) • "Future you" projection of your net worth 5, 10 and 20 years ahead • Debt Payoff Planner with snowball and avalanche methods and your debt-free date • "What changed" summaries and Ask a question, with Apple Intelligence on supported devices • Widgets for the Home Screen and Lock Screen: net worth, trend graph and your top goal • Hide Amounts to mask every number, in the app and its widgets • Start each year from last year's balances, and update balances in one place • Monthly reminder to update your balances • Quick setup for new users • Import from CSV, and export every year at once • Fixes for editing, deleting, Face ID lock, export and goal progress

Summary 1. Assets vs Liabilities chart — overlapping bars Several iterations to get the bars right on the Overall Analysis page: * Reworked the two bars to overlap (one behind the other) instead of being grouped/stacked — taller bar drawn behind, shorter bar in front, both anchored at zero. * Fixed the bars not rendering by switching the chart to a categorical year x-axis (duplicate years on a quantitative axis were collapsing bar width to zero). * Narrowed the bars (back 0.55, front 0.3 of the band) for a cleaner, readable look. 2. Net Worth Over Time chart * Switched its x-axis to the same categorical year logic, which also removed the "2,024" thousands-separator artifact. 3. Debt Snowball plan (new feature) * Added a new "Debt Snowball Plan" screen, reachable from Overall Analysis (styled like the existing Debt Payoff Projections link). * Lists liabilities smallest-balance-first with the next debt to pay highlighted. * Added snowballOrder(for:) and currentDebtYear helpers to the view model; the plan uses the largest tracked year ≤ the current year (so it reflects present-day debts, not future projections). * (Avalanche was deferred — the model stores no interest rate.) 4. Configurable asset/liability colors — added then reverted * Built a full feature: Settings color pickers for asset/liability colors (defaults green/black), persisted on UserSettings, applied across amounts, charts, and category breakdowns via SwiftUI environment. * You then asked to revert it, so it's been undone — the app is back to the original red/green coloring. (Net effect on the codebase: none.) 5. Year detail page polish * The year in the navigation bar of the year detail page now shows in blue, matching the year on the home page card (via a custom principal toolbar item). * The "All" tab background now matches the "Summary" tab (shared navy gradient, extracted into Theme.summaryGradient1/2).

Technical Foundation: UserDefaults → FinancialItem, TrackedYear, UserSettings, Goal, RecurringItem, Milestone, CustomCategory Created Theme — semantic colors replacing scattered color literals Core Feature Improvements: Monthly tracking + yearly auto-aggregation — month field (0=yearly, 1-12=monthly), MonthlyBreakdownView with trend charts, month picker in AddItemView Currency formatting — currency picker in Settings Percentage change badges — year-over-year comparison on YearCard Financial Intelligence: Goal setting & progress — GoalsListView, AddGoalView, progress bar on home page Debt payoff projections — DebtPayoffView with calculator, declining balance chart, months-to-payoff Recurring items — RecurringItem model, auto-generation by frequency (monthly/quarterly/annually) Polish & UX: Search & filter Category customization Dark/Light mode toggle — UserSettings.colorScheme, picker in Settings Milestones — Milestone model, auto-check on data change, achievement tracking Platform Features: CSV/PDF export Face ID biometric lock — BiometricLockView with LAContext, toggle in Settings, gates app content WidgetKit home screen widgets — NetWorthWidget with small/medium views iCloud sync — ModelConfiguration

* Itemized totals of assets and liabilities by category, providing a clearer view of how net worth is distributed. * Improved number formatting when adding assets or liabilities for better readability and accuracy.