Budgero Changelog

Choose per budget how Ready to Assign is calculated. Monthly mode counts income through the month you are viewing and pulls last month’s overspending out of this month’s Ready to Assign — overspent categories reset instead of carrying a red balance forever. Cumulative (the original all-time total) stays the default; switch anytime in Settings → Budget Settings, and the Ready to Assign popover shows the full math for whichever mode is active.

Overspending on a credit card is now flagged in amber, distinct from cash overspend in red, because it becomes card debt rather than lost cash. Credit Card Payment categories show when they are underfunded against the card balance, and you can click through to see exactly which categories and months created the debt.

Reports and analytics now expand split transactions into their individual lines, so category spending totals include money from splits.

Hardened API rate limiting and workspace-invite handling.

If a custom date-range rate covers today, account balances are now pinned to it instead of drifting with daily market rates. Adding, editing, or deleting a custom rate also trues balances up immediately instead of waiting for the next app launch.

Track 25 cryptocurrencies — Bitcoin, Ethereum, Solana and more — each with its own icon and full 8-decimal precision. Crypto accounts are tracking-only (off-budget) by default so market swings never distort your envelopes, and they get their own Crypto section on the accounts page and in net-worth views.

Accounts held in another currency — fiat or crypto — now revalue daily to market rates, so their balance in your budget currency reflects what they are actually worth. A value-change stat on each account shows the 30-day market impact with a mini chart, and Ready to Assign follows market moves for on-budget accounts.

Exchange rates now come from an open daily dataset covering ~350 currencies including crypto — no signup, no rate limits, and self-hosters can point at their own mirror. Rates are cached per day with a configurable retention window, and when you are offline you can enter a rate by hand (prefilled with the closest cached one) — it trues up automatically when you reconnect.

The Wealth report gained a By Type view that stacks your net worth into cash, investments, crypto, retirement, real estate, other assets, and debt — so you can see composition at a glance, not just the total.

Every account now carries a type-colored icon — and crypto accounts show their coin — across the sidebar, account lists, and pickers.

iOS Safari cancels in-flight requests the moment the download sheet appears, so backups were never recorded as done. Backups are now registered before the download starts, and the reminder respects them.

The full source code is now licensed under the AGPL-3.0, an OSI-approved open source license — read it, audit the encryption, build from source, self-host it freely. Contributions are open too: pull requests are welcome on GitHub under a DCO, with CI running on every PR.

Budgero Cloud is now $4/month or $35/year — down from $7.99/$60 — and prices are tax-inclusive worldwide: the price you see is exactly what you pay, no VAT or sales tax added at checkout. Existing subscribers have been moved to the new lower price at their next renewal, automatically.

With one flat low price there is nothing left to discount, so the earn-a-discount trial program is gone — along with the discount emails and the trial activity tracking that powered it. At $35/year, the new full price is lower than the old price with the best earned discount applied.

Removing the rewards program also removed its server-side behavior counters and the associated privacy toggle — there is simply nothing to track anymore. Trial reminder emails still exist, but they are plain reminders now: no codes, no pitches.

When you add a transaction for a payee you've used before, the category pre-fills with whatever you chose last time — marked with an amber ring so you can tell it apart from rule autofills. Explicit autofill rules still win, your own picks always win, and you can turn it off under Settings → Automation Rules.

Manage Payees now has checkboxes: select several payees — or every unused one with a single click — and remove them in one confirmed action, with one undo step. The confirmation tells you how many transactions are affected before you commit.

Your server now notices when a newer Budgero release is available and shows a banner in the app. The check is anonymous and can be disabled entirely with UPDATE_CHECK_DISABLED=true.

Date columns carrying a timestamp ("31/01/2024 12:30") or compact dates ("20240131") now parse correctly instead of silently falling back to the import date. When a date genuinely can’t be read, the preview now says so loudly instead of failing quietly.

Amounts like "$-54.20", Unicode minus signs from PDF statements, and the European whole-amount style "12,–" now import with the correct sign, so spending no longer occasionally lands as income.

Workspaces created on older versions now open reliably, the audit log survives deleting a budget, and locked shared workspaces show accurate messaging instead of a dead-end subscribe prompt.

The Prebuilt page now answers the questions a household actually asks: Wealth (am I growing?), Spending (where does it go?), In vs Out (within our means?), Plan vs Reality (did the budget hold?), Money Map, and Ledger. Each report opens with plain-language insights computed from your data, and the Wealth forecast shows an honest 95% confidence band with real statistics.

Stress-test your finances: start from your selected accounts' balance, scale monthly income and spending with sliders, drop in dated one-off inflows or outflows (a car repair, a bonus), and see exactly when — or whether — your balance would break. Choose between four baseline models, from flat average to seasonal patterns, and save scenarios to revisit later.

The report only a budgeting app can make: what you assigned each month against what you actually spent, which categories chronically run over their assignment, and how well your goals are being funded.

A recurring transfer that leaves your budget (like monthly investing) can now book as spending in a category of your choice, instead of always reducing Ready to Assign.

Adding a custom exchange rate now shows the computed reverse rate and creates it as its own entry by default — no more entering both directions by hand.

Every chart in the app moved to a new rendering engine: noticeably smoother interactions, tooltips and colors that follow all five themes and your chosen typeface, and a consistent visual language across analytics, dashboards, and AI-generated charts.

Explicit Start and End fields above the calendar — click a field, then a date, and you always know which end you're setting. Presets no longer truncate.

Dashboard widgets and AI charts whose queries compared dates with typed DATE literals failed with a binder error. They run again, including previously saved ones.

Switching light/dark could silently revert if the preference save hadn't reached the server yet. Your choice now sticks.

Badges, toggles, and dropdowns no longer truncate or wrap awkwardly under the wider monospace typefaces.

With a whole-number display format selected (like RSD 4,585), edit fields silently dropped cents: decimals couldn't be typed, editing an amount truncated its fraction, and split transactions with a fractional remainder showed "Remaining 0" while refusing to save. Edit surfaces now always accept and show full precision — your display format stays whole-number everywhere else.

Confirming a balance of 0 in the reconcile dialog never enabled the Reconcile button. Entering the seeded value now counts as confirming it, so empty accounts can be reconciled again.

Picking a currency from the full-list dropdown (rather than the quick-pick tiles) showed "$" on the accounts, goal, and summary steps regardless of your choice. All 168 currencies now display their correct symbol or code.

Admin commands (list-users, reset-password, …) opened a fresh empty database instead of the server's, reporting "user not found" for accounts that exist. They now target the self-host database, and errors print once instead of twice.

When the account list is truncated behind "Show All", accounts with a zero balance are now hidden first, so accounts you actually use stay visible.

Recurring transactions now support a third type alongside Income and Bill: Transfer. Schedule money to move between two accounts on a cadence — both sides show up in each account's register and upcoming panel, cross-currency amounts are converted automatically, and marking an occurrence ready posts both sides as a regular linked transfer.

Select a transaction on the All Transactions page and turn it into a recurring template straight from the toolbar — the editor opens prefilled with the amount, account, and category. Previously this was only available on individual account pages.

The export instructions now open by default when importing from YNAB, appear during onboarding, and link to the full guide — so the format settings that make an import lossless are hard to miss.

The offline mutation queue and your remembered master password are now encrypted at rest under a non-extractable device key, and key handling has been tightened across the board.

YNAB exports using MM/DD/YYYY dates were parsed day-first, silently shifting transaction dates. Budgero now detects the date order from the file itself, so imports come through correctly regardless of your YNAB date format.

The "Show Budget, Account, Category & Payee IDs" button no longer overflows its card on small screens.