Split transactions become fully first-class — the classic mortgage payment (part principal, part interest) now tracks correctly on both sides — and re-importing a statement is safe after you've edited a transaction.

New

A second leg for a split transfer

A single transaction can be part transfer and part spending — the textbook case is a mortgage payment: some of it pays down the loan (a transfer), the rest is interest (real spending). You could already split a transaction that way, but the transfer half didn't actually move the other account. Now it does.

• Create or find the matching leg straight from the split editor. Each transfer line in a split shows Create / find leg (or Leg linked once it's set).
• It's a real transaction on the other account — so the loan balance actually goes down and the paydown shows up in that account's own register, not just as a label.
• Create a fresh leg — currency-aware, with the amount pre-filled at the day's exchange rate when the accounts differ (the same flow as whole-transaction transfers) — or link an existing transaction, e.g. the matching line from the loan's own imported statement.
• Remove it any time to detach the split again.

The result for a mortgage payment: your checking account is down the full amount, the loan balance drops by exactly the principal, and only the interest counts as spending.

Improved & fixed

• The transfer part of a split no longer counts as spending. Previously the transfer line of a split (the principal in a mortgage payment, or money you moved to savings inside one transaction) was mistakenly counted as an expense in Review, Spending, and the recurring-merchant anomaly flags. Now only the categorized part counts.
• Editing an imported transaction no longer creates a duplicate when you re-import. Changing a transaction's amount or memo used to make the next import of that statement re-add the row as if it were new. Imports now recognize an edited transaction as already-present, so re-importing a statement stays clean.

A new Review screen that tells you what actually happened with your money each period, a big Goals upgrade, smarter transfers.

New

Review & Proactive Insights

The headline feature: a dedicated screen that turns a period of transactions into a story you can read in a few seconds.

• Pick any period from a calendar — a month or a span. Months you've already reviewed are marked, so the gaps are the ones worth a look.
• Headline numbers — income, spending, net saved, savings rate, and net-worth change, each compared to the previous period.
• Where it went — spending by category, merchant, and owner, with anomaly flags ("vs your average") so an unusual month stands out on its own.
• Month-by-month — see the shape of a range: per-month income, % spent, % kept, and the change from the month before.
• Things to handle — uncategorized items, possible duplicate charges (the actual repeated groups, each a click away in the Register), and quiet accounts that may have stopped syncing.
• Per-member lens — on a shared budget, view flows and net worth for each member.
• Notes — attach a note, question, or hypothesis to any number; see it on hover, edit it in place.

Goals

• Reserve goals with no deadline — money you want available at all times, like an emergency fund.
• Momentum — every goal shows how much it moved this period versus the previous one, so you can tell whether you're speeding up or slowing down.
• Monthly contributions — the real money you put in each month (currency revaluation stripped out), as a bar chart with amounts on hover.
• Target and projected dates, the accumulated value as of the month you're viewing, and a reworked pinned-goal widget in the sidebar.

Transfers

• Currency-aware second legs — when the other account is in a different currency, the app proposes that account's currency and pre-fills the amount using the exchange rate for the day.
• Create legs in bulk — select many transactions and mint their opposite legs at once.
• The app remembers the account you used last, and a transfer you create now records both legs automatically.

Faster

• Results are kept warm in the background right after you make a change, so editing something and then opening Review no longer waits on a recalculation — while always reflecting your latest numbers.

Improved & fixed

• Fixed an inflated account balance caused by a transfer that was counted twice — affected accounts now read correctly.
• Snapshots now include your Review notes and history, so a backup or download is complete.
• Editing a transaction, budget, goal, exchange rate, or account now reliably updates every affected screen (Review, Net worth, Budget, Goals).

Your connected AI can now run your budget, not just read it — plus big performance gains, live updates, a smoother budget grid, and native Mac builds for both chip types.

New

Your AI assistant can now do the work (MCP)

The biggest change this release: the MCP server grew from a read-only view into a full control surface (15 → 43 tools). Connect Claude, ChatGPT, or any MCP client (see the "Connect your AI" page) and it can now actively manage your budget, not just report on it:

• Transactions — add, edit, categorize (with ML suggestions or one-shot auto-classify), archive/unarchive, and link/unlink transfers.
• Structure — create/update/delete categories, apply a starter category preset, set category budgets, and create/organize account groups.
• Goals — create, update, and delete financial goals.
• Backups & data — take, list, and download snapshots; list and download your imported bank statements.
• Family — list and add members.

Changes an AI makes show up in the app automatically (see Live updates), and mutating actions are designed to confirm with you first. The "Connect your AI" page now reflects this full range.

Also new

• Native macOS builds for Apple Silicon and Intel. The download page now auto-detects your Mac and gives you the right native build — no more running the Intel version under emulation or hitting macOS's "not optimized" compatibility warning.
• Starter categories for new budgets. Begin with a ready-made set of category groups (Monthly Payments, Living, Savings) instead of a blank slate — in the new-budget flow and on the Categories page.

Faster

• Large budgets and long histories are dramatically quicker. The Register renders only the rows on screen (smooth scrolling and steady memory with thousands of transactions), and the Budget grid caches its heavy math and draws only the months in view.
• Snappier Goals. Pinning a goal is now instant, and the Goals screen loads noticeably faster.

Live updates

• Changes made by a connected AI (MCP), or in another open window, now appear automatically within a few seconds — no manual reload.
• Auto-refresh never interrupts you mid-edit, and your own edits update instantly without redundant reloading.

Other minor UX improvements

• Inline calculator in budget cells now capture + via shift-=.
• Budget-grid now has less content shifts.
• Keyboard nav: Home/End and Cmd/Ctrl-↑/↓ jump to the first/last transaction or category in the Register and Budget grid, and the focused row/cell always scrolls cleanly into view (clear of the header and status bar).

New features

Connect your AI. Give Claude, ChatGPT, Cursor, or any other MCP-compatible AI assistant read access to your budget — transactions, accounts, budget, net worth, spending reports, and goals — plus the ability to import bank statements for you. One-click buttons for Claude, ChatGPT, and Cursor; a ready-to-paste prompt for everything else. Find it under Settings → Connect your AI (or Settings → MCP Server on desktop).

Delete an account. Accounts can now be deleted from their edit dialog — history is kept (hidden, not erased), same as deleting a category.

Also in this release

• A friendlier first-run setup flow on desktop.
• A more compact way to manage a family member's budget access.
• Quick links between the Import and Statements pages.

Minor UX polish and improvements

Budget v0.1.0 — first release 🎉

The very first public build of Budget, a private, offline-first personal-finance app for your desktop. Your data lives in a single local file on your machine — nothing is uploaded, nothing is tracked.

This is an early release: the core budgeting workflow is here and solid. Feedback is very welcome (Settings → Support).

What you can do

• Import your bank statements — drop in an .xlsx export and Budget parses it into transactions automatically.
• Smart categorization — a built-in model auto-categorizes transactions for you, and the keyboard-driven Classify screen makes reviewing the rest fast. It learns from your corrections and gets better over time.
• Register — a clean, editable ledger of every transaction.
• Accounts & Net Worth — track balances across accounts and currencies, and watch your net worth over time.
• Categories & Goals — organize spending into a category tree and set goals.
• Spending insights — a dashboard and spending views to see where the money goes.
• Snapshots — back up and restore your whole budget with one click; download a snapshot to keep it safe or move it to another machine.
• Multi-currency — accounts and balances are currency-aware.

Good to know

• Fully offline & private — everything stays on your device.
• In-app updates — Budget will let you know when a new version is available.
• macOS & Windows builds available.

Installing

• macOS — the app isn't notarized yet, so on first launch right-click → Open (or allow it under System Settings → Privacy & Security).
• Windows — if SmartScreen appears, click More info → Run anyway.