New
- Mozaic now asks before sending any of your data to Google Gemini, and you can change your answer in Settings.
- Connect RBC Direct Investing and Sun Life to follow their holdings in Mozaic.
- Connect US mortgage and loan servicers such as Cenlar to track what you still owe.
- Open a Cash Flow category to see its history by day, week, month, quarter or year, with its average.
- Invited to a household while you already have an account? Delete it and join in one step.
Improved
- On the Accounts page every bank now shows as one round logo, and 28 more banks have their own.
- The category picker now ends with Manage categories, where you can rename or delete them.
- On a phone, Cash Flow shows a 12-month chart, the month's totals and a short breakdown.
- On a phone, transaction rows, onboarding and the Rules page now fit the screen.
- When Holdings has many columns, the symbol stays put and the others scroll sideways.
- When we reply to your feature request you get an email, and you can answer us from the request's page.
Fixed
- A Cash Flow category's details now count and total all its transactions, not only the first 50.
- Bank CSV files with headers like DebitAmount now import, and unconfirmed accounts send you back to confirm them.
- SnapTrade now asks you to reconnect when a brokerage's session expires.
- You now get at most one "reconnect your account" email a week for the same connection.
- Signing up with Apple keeps the name you share, and a name you change in Settings stays changed.
New
- Sign up or sign in on the web with Continue with Apple, next to Google and email.
- The Sector column on Holdings now fills in over the coming days for US and Canadian stocks.
Improved
- The Budgets Full year view is now one table, with each month's plan marked on every budget's chart.
- The two-factor authentication, password reset and email verification pages now look like the sign-in page.
Fixed
- An account's balance chart no longer shows the same figure on two axis labels.
- The confirmation before exporting your data now appears in your language.
- The display currency picker no longer says it sets the currency for an account.
- The app's own typefaces now ship with it, so they show even on networks that block Google's font servers.
New
- Split a transaction across several categories, and each line counts toward its own, except for transfers and trades.
- Switch a synced transaction between money in and money out from its details, with Undo.
- Export CSV files from the Cash Flow tab, the filtered Transactions list and the Performance holdings card.
- A Spending by category card on Cash Flow compares this month or year with the same period before.
- Choose CAD or USD billing, whatever currency the app shows, and switch at your next renewal from Settings.
Improved
- The Recurring page now opens with what is left to pay and income received this month.
- Skipping the bank connection during setup now takes you straight to your dashboard.
- On the Accounts page, Reconnect now opens Plaid's sign-in without the usual wait.
Fixed
- Filing a transaction under an income category no longer turns money out into money in.
- Budgets now update right away after you recategorize, split or delete a transaction.
- The Dashboard and the Accounts page now agree on your net worth and the month they measure.
- The Recurring page now lists every overdue item, including ones from earlier months.
- Amounts on the main tabs now follow your language's number format and currency symbols.
- Reconnecting a bank that held back investment or loan data now works, CIBC included.
- Desjardins AccesD CSV exports now import, even though the file has no header row.
- You now get a warning before being signed out for inactivity.
New
- Attach receipts to a transaction, as PDF, JPEG, PNG or HEIC, from its details or while adding it.
- Attached PDFs, JPEGs and PNGs open in a viewer inside the app, with a Download button.
- Record a transfer between two manual accounts in the same currency as one entry, and both balances move.
- Budgets can roll what is left, or what you overspent, into the next period, switched on per budget.
- A Full year view on Budgets compares planned and actual spending for the calendar year, month by month.
- Mark each budget as Fixed, Flex or Non-monthly, and the page groups them by type.
- Set who owns each account (you, another person or joint); Accounts shows it and Holdings can filter by it.
- Give one other person their own login to your account from Shared access in Settings, without billing access.
- A new Categories page in Settings lets you rename, reorder and add categories and groups, defaults included.
- The net worth card says when you pass a milestone this week, and marks a new all-time high.
- After you change a transaction's category, a prompt offers to apply it to that merchant's other transactions.
Improved
- Settings now has three tabs, Account, Money and App, each on one topic.
- Add Transaction and the other form windows now fit in a laptop browser window without scrolling.
- Accents no longer change categorization: "Café Dépôt" and "CAFE DEPOT" count as the same merchant, and rules match both.
- A merchant you file two ways, such as fuel and groceries at Costco, is now told apart by description, account and amount.
- To review now also lists transactions filed from a similar merchant or an uncertain match, not only AI picks.
- Large-transaction alerts now come only for recent transactions, not for history imported when you connect an account.
- A budget whose books hold no active account now says so, instead of showing $0 spent.
- Performance and the weekly email now warn when a holding is left out because its currency has no exchange rate.
- GIC is now offered in the account type picker.
- Account groups in Settings are now called personal and business books, so they are not confused with account owners.
Fixed
- The rule dialog's "Apply to Existing" switch now works, in the books you are viewing.
- A transaction saved while offline now closes the form and syncs later, instead of showing an error.
- Selling the last position in a SnapTrade account now removes it from Holdings.
- A holding Plaid reports as worthless now counts its loss in your gain, instead of being left out.
- After you delete an account and reconnect the bank, the connection page no longer lists it as linked.
- Recurring items with a zero amount no longer show up in counts, totals, the weekly email or savings tips.
- When a Performance period fails to load, the chart says so with a retry instead of showing the old period.
- Dashboard totals now update right after you edit an account or move it to other books.
- Budget totals now show in your base currency instead of always in Canadian dollars.
- In English, euro amounts now put the symbol in front everywhere, as in €300.
- Switching the app language no longer sends Settings back to its first tab.
- Sign-in no longer stalls when the browser tab is hidden while the app starts.
Security
- Attached files are deleted from storage when their transaction, account or profile is deleted.
- Plaid Link tokens are now encrypted at rest and deleted after an hour.
- Deleting your account or exporting your data now asks you to sign in again unless you just did.
- An unused bank connection route that accepted requests without sign-in has been removed.
New
- Import a Wealthsimple activity CSV, with trades, dividends, deposits and fees kept apart per account.
- Transactions you enter on a manual account now update its balance, and the form shows it before and after.
- Holdings, holding pages and Performance now show fund fees (MER) for Canadian iShares funds and US-listed ETFs.
- "Combine accounts" on Holdings shows one row per security, summed across your accounts.
- Enter your mortgage payment and renewal terms in Liability Details to see an estimated payoff date.
- Members can now enter a promo code or change plan from the paywall, during the trial too.
- Some help articles now include narrated videos of the app and animated diagrams, in English and French.
Improved
- With no accounts yet, every tab shows one prompt to connect a bank, add an account or import a CSV.
- Every form that asks for a category now uses the same searchable, grouped category picker.
- When you filter Holdings by account, the weights, total and CSV export follow that selection.
- Connecting a brokerage after a CSV import reuses the imported account and its transactions when exactly one matches.
- Your own category rules now apply to buys, sells and dividends from connected brokerage accounts.
- A likely duplicate in a CSV import now says why in plain words, with the matching date.
- The dashboard's latest transactions leave out investment buys and sells, and fit five rows without scrolling.
- When a sync fails outright for a provider, the message now names the banks that could not refresh.
- Rows, cards and tiles across the app show a focus ring and open with Enter or Space.
- Holdings now show sector and country for US-listed stocks, and funds read "Fund" in the Sector column.
- Each card can start one free trial; if yours already had one, you are told so and nothing is charged.
Fixed
- A Plaid bank that has not updated in over 72 hours asks you to sign in, then waits 72 hours before asking again.
- Reconnecting a bank no longer ends on a message asking you to wait before syncing.
- A Plaid connection that breaks or is repaired now shows its new status on your next visit, not minutes later.
- A brokerage whose SnapTrade login was removed at SnapTrade now asks you to reconnect instead of going quietly stale.
- With two logins at one brokerage, reconnecting one no longer deactivates the other login's accounts.
- SnapTrade buys no longer show as income, sales count as money in, and unpriced holdings show no false loss.
- A Wealthsimple credit card connected through SnapTrade now counts as debt, not as an investment.
- Transactions imported from a CSV file are no longer duplicated when Plaid later sends the same ones.
- Auto and personal loans now show as loans, with their own details form, not as credit cards.
- Changing a debt account's type now updates its details form to match, such as a loan becoming a mortgage.
- Loan and credit card details such as APR now refresh daily for Plaid-connected accounts.
- Bank search no longer lists institutions that Plaid would refuse once you pick them.
- Fidelity, Schwab, Robinhood and E*TRADE now offer both their cash and investment accounts when you connect.
- Cash Flow, Monthly Spending, the Transactions month cards and the dashboard's month-so-far card now convert to your base currency.
- The This month cards on Transactions now total every matching transaction, not just the first 50 loaded.
- Monthly Spending no longer counts investment purchases, savings contributions or deactivated accounts.
- Dashboard figures update right after you edit a transaction or apply category rules.
- Amounts, chart dates, rule lists and the benchmark card now follow your app language.
- The Transaction Rules header fits narrow windows; Apply All, Clean Up and Delete All are in a More menu.
- Holding names line up, and sidebar links stay clear of the Actions block on short windows.
- Colored badges are now readable in dark mode.
- Offline and failed-action notices now appear on screen.
Security
- Idle sign-out now ends your session on time, even when another dialog covers the warning.
- Error messages no longer show internal technical details from the failure behind them.
- Deleting your account now also removes failed-email records, and deletion comments are erased after 90 days.
- Bank connections you replace, or that are cleaned up as duplicates, are now also closed at Plaid.
- The privacy policy now names Meta, Sentry, Microsoft Clarity, Google Analytics and Reddit as services that receive data.
New
- New accounts start on the free plan; your 14-day trial starts when you add a card to connect an account.
- A searchable help center with 40 articles is now available in English and French, linked from Help & FAQ.
- Watch a short narrated product tour on the homepage and the How it works page, in English and French.
- Short narrated clips now explain the main onboarding steps on the web, in English and French.
- During setup you can now connect a bank, add accounts by hand, or import a CSV file.
- Before you connect, onboarding now tells the founder's story, which you can also listen to.
Improved
- "Always categorize" now saves the rule, refiles past matching transactions, and overrides categories learned from earlier edits.
- "Create rule" now opens a rule dialog already filled in from the transaction.
- If you have not used a trial yet, the paywall leads with it and says when you would be charged.
- The welcome email for new sign-ups now explains the free plan and how the trial starts.
- Suggested goals now fit what you can save each month, and none appear when you overspend.
- Accounts that stopped updating after a subscription ended now say how long ago they stopped.
- Accounts that need reconnecting show a muted last-sync time instead of a red label on every row.
- Onboarding drops the categorization check step, and its choice chips stay in place as you pick them.
Fixed
- Changing your base currency now updates the dashboard right away instead of showing the old currency.
- The base currency picker now lists only currencies that can be saved, so choosing one no longer fails.
- Editing a bank-synced account's details no longer overwrites its synced balance with an older figure.
- Goals no longer count an unreadable linked balance as zero, and say so when accounts fail to load.
- Subscribing no longer fails when your promo code does not apply to the chosen plan.
- The "Subscribe now" link in the trial-ending email now works before you finish onboarding.
- CSV import now checks your files against the real 10 MB limit before uploading, not after.
- After deleting your account, signing up again with the same email can connect accounts again.
New
- Create your own categories from any category picker, and rename or delete them in Settings, unless a budget still uses one.
- Two new categories, Phone/Mobile and Licenses & Registration; new transactions your bank marks as telephone go to Phone/Mobile.
- With no accounts yet, the dashboard and Performance page now also offer Add manually and Import from CSV.
Improved
- Correcting or confirming a category now refiles that merchant's other transactions in the same group and direction, except ones you set by hand.
- The Accounts page leads with net worth, and a bank that needs you shows one Reconnect or Sign in button in its header.
- Banks that ask for a code at every login no longer show "Needs sync"; their header offers Sign in once the last reading is a day old.
- The net worth card now lists the five largest accounts behind the figure, with a link to all your accounts.
- The dashboard opens with your summary as a sentence, noting it comes from your accounts and when they last synced.
- Find BMO, RBC, Scotiabank, CIBC, TD or National Bank by typing its full French name, such as "Banque de Montréal".
- Banks you name during setup now appear as chips under the Connect search box.
- "Business and personal" in Settings is now "Account groups", and the Personal/Business tag is gone.
- Relative times on account rows, the account panel, alerts and notifications are now written fully in your language.
- Analytics opens faster by loading each tab the first time you open it.
- The getting-started checklist now hides itself in this browser once every step is done.
- The website homepage now leads with the app's own net worth card and real app widgets, in English, French, Spanish and Chinese.
Fixed
- When your bank says your online banking is locked, Mozaic closes its window and asks you to check at your bank's site first.
- Every amount field now reads a comma or a dot as the decimal and ignores spaces between thousands.
- Holdings priced under a cent now keep their price, stored to eight decimal places.
- Disconnecting a bank now also removes the loan and card records filed against its accounts.
- The weekly summary email now reaches every member unless they turn it off.
- You are now notified when a bank breaks in a background sync or again after a repair, if sync-failure alerts are on.
- The dashboard's latest transactions card now keeps its own list instead of showing filtered or single-account rows.
- On paid plans, later syncs retry categorizing transactions from the last 90 days that a categorizer failure left blank.
- A budget no longer counts a transaction you filed under another category.
- Adding to a goal no longer shows an error after the contribution was saved.
- Goal suggestions now load when a card has a credit balance.
- The roadmap board's "Ask for something" button now also sits in the page header, so you can post from a desktop window.
Security
- Signing out or switching accounts now cancels or clears everything the previous person was looking at.
- Error messages no longer show database or bank-provider internals, and error reports no longer include your email or full IP address.
- Turning off lifecycle emails now also stops the day-after-signup reminder, which now carries an unsubscribe link.
New
- Banks that ask for a code at every sign-in, like RBC, now connect, and you refresh them with Refresh from bank.
Improved
- The upgrade page now has a Go to Dashboard chip under the membership panel.
- Reconnecting a bank and the overnight refresh now clear cached figures, so the dashboard, cash-flow card and net worth update.
Fixed
- A dashboard whose accounts, debts or property read fails now shows an error instead of a confident number.
- A failed profile read no longer sends a member who finished setup back to onboarding.
- Requests to an address no longer hang forever after an earlier one refreshed an expired session.
- Hovering or pressing the X on the "a new version is ready" notice no longer takes the page down.
- When Safari blocks the Google sign-in pop-up, the message now says to allow pop-ups for this site.
- Checkout now shows an error you can act on instead of spinning forever on an unreadable response.
- During an exchange-rate outage, foreign-currency accounts stay in net worth using the most recent stored rate, for up to a week.
- A brokerage outage now fails with an error instead of displaying your positions as empty.
- Reconnecting a bank no longer stops the terms of the account's other cards and loans from refreshing.
- A long first import from a newly linked bank is no longer stopped at the hour while it is still saving data.
- A server that lost its cache at startup now reconnects, so magic-link sign-ins, verification emails and MFA recovery codes work there again.
Security
- A shared browser no longer shows the previous person's figures; every response is now tied to who asked for it.
- Budgets and recurring items can no longer point at another person's category.
- Replaying a stored webhook now refuses any whose signature did not verify on arrival.
- Deleting your account no longer leaves a growth-history row carrying your real id.
New
- A public roadmap anyone can read; signed in, you can post requests, vote and reply under a handle.
- Import from CSV from the Transactions page, or from any account's panel with that account already selected.
- An imported statement with no balance column now builds your history backwards from the account's balance.
- When a statement carries balances, the import result offers its closing balance and updates the account only if you tap.
- Enter a card, mortgage or student loan's terms on an account you keep by hand, and correct a holding's name.
- Browse and scroll the full catalogue of institutions in the Add Account search.
- A bank offered by two providers connects in one tap, with an option on the row to pick another route.
Improved
- Your category edits now become rules for new bank and CSV transactions; brokerage rows keep their reported activity type.
- The homepage now explains the app in three steps and lists the fourteen features included.
- A link opened inside a social app now explains that Google sign-in won't work there and points you to email sign-in.
- Pick the account a CSV import lands in from a dropdown of your accounts, or create a new one.
- Accounts you keep by hand now group under their institution like any other, and the Connected/Manual filters are gone.
Fixed
- Reconnect a bank that stopped when your subscription lapsed from its account panel, which now leads with Reconnect.
- Category icons on transaction rows no longer keep a light chip in dark mode.
- A database error during one bank's update no longer makes the banks queued after it fail.
- A long history update is no longer cut short at ten minutes for a queued update that is in no hurry.
- A bank update now runs its per-account work once instead of once per transaction row.
New
- Import a CSV statement from any bank, with columns read from their English or French headers.
- Add Transaction can record a payment from a manual asset, taking the capital part off the asset's value.
- A manual asset now opens the same panel as an account, with a value chart and its change over the window.
- Asset details now use the form's own labels and readable values, in your language.
Improved
- A single "Add manually" entry replaces the separate manual account and manual asset buttons.
Fixed
- The weekly email now shows a bill in the currency your bank will charge.
- Connecting a bank mid-sync no longer makes an overlapping recurring scan throw its work away.
- The dashboard now shows the transactions, balances, holdings and liabilities your bank just sent.
- A first two-year history pull is now cut short only when something is queued behind it, or after an hour.
- Pushed updates for investment accounts now read the recent window instead of waiting for the nightly pass.
- When the accounts page cannot check your connections, it now says so with Try again instead of showing the new-user screen.
- A missing field no longer shows an asset as worth nothing or overwrites its real value when you save.
- Trial emails now match what your dashboard holds, and day fourteen sends one message instead of two.
Security
- Connection diagnostics no longer store what you typed to find your bank, and rows already stored were cleared.
- An unreadable response now shows a plain "some data appears corrupted" message instead of a value from it.
New
- Export the Recurring page's month as a CSV spreadsheet, one row per item.
Improved
- RBC's row in the bank picker warns that connecting usually fails when 2-step verification is on.
- "I'll do this later" moves setup past the bank step and keeps the task on the Getting started checklist.
- Every connection choice now shows the bank's name with a badge naming the provider, replacing inaccurate route labels.
- Provider badges in the connection choices are now neutral and sit on the same edge.
- TD Direct Investing now has one row; the "TD Canada Trust - WebBroker" dead end is hidden, even from search.
- The trial-ending email no longer asks for a card when your dashboard is empty; it points you to adding an account.
Fixed
- The notifications panel opens again; an unreadable notification now shows a note and can be cleared.
- Two cash balances in one account no longer break the holdings update for the whole connection.
- When a brokerage connects before its accounts exist, we now ask SnapTrade again three times over the next half minute.
- The nightly restart of stalled transactions now waits long enough to finish, retrying one connection per run.
- Starting a bank connection over no longer throws away the connection you finish.
- The Recurring page and its export now convert every amount to your base currency before adding them up.
- A truncated link now drops only its unreadable part and keeps the rest, such as your language and referral.
- Asset type chips are now translated, in the asset window and on the asset card.
Security
- Net worth calculations no longer write your account names and balances to our logs.
New
- The bank picker shows one row per bank and asks which connection only when there is a real choice.
Improved
- Bank search finds what you meant, so "rbc bank" and "amex" now return results.
- Adding an account lists Canadian and American banks from the start, with no country switch.
- The subscription page is translated, including the plan cards, the loading screen and the pricing error.
- The subscription page describes repairing a connection instead of listing one we do not offer.
- The pricing page shows the free plan with its own card, price and button beside the paid one.
- Deleting your account asks why after you choose how to leave, and a reason is needed to confirm.
- "Sync now" refreshes your investment transactions for the last 30 days.
Fixed
- A nightly check restarts the import for an account that connected but never showed transactions.
- The bank search during setup shows its results instead of spinning forever.
- Institution initials no longer show punctuation, so "Wealthsimple (Canada)" no longer renders as "W(".
- A mortgage is no longer counted twice, which could show your net worth as negative.
- The transactions page no longer shows only one or two rows, and its dates follow your language.
- The page after checkout waits for confirmation before announcing your subscription.
- A magic link opened with the wrong address returns you to the address prompt instead of a dead end.
- The cookie notice no longer covers the price line on the homepage.
- The prompt to subscribe before connecting a bank is a proper dialog again, not a bar across the window.
- Two chips on the subscription page follow dark mode.
- The Getting started card sits where it belongs on desktop.
- A brokerage history refresh no longer gives up early because of time it did not spend.
Security
- A failure while preparing your dashboard summary no longer sends your figures to our error tool.
Improved
- Coming back from your brokerage no longer waits on the sync before redirecting you.
- A sync your brokerage starts on its own now refreshes the figures you see.
- "Open my dashboard" at the end of setup shows a spinner and becomes active again if it fails.
Fixed
- A failed renewal card no longer shuts you out of the app; only the automatic refresh waits on a working card.
- Connecting a bank no longer gives up while you are still logging in; only a dead session expires.
- A night when every bank refuses no longer counts as synced, and the dashboard keeps saying your balances are stale.
- The accounts list no longer empties itself after a dashboard visit.
- A transaction you add by hand now shows its category and account; picking the category again repairs an older row.
- A mistimed tap during setup can no longer skip the consent screen.
- The sync progress notice is readable in dark mode.
- Budget rows on the dashboard are translated; a category you named yourself stays as written unless it matches one of ours.
Security
- Signing out clears what the session left on the browser, keeping your language, theme and any referral code.
New
- A private investment can record its distributions, each split between return of capital and income.
- Holdings in an account that no longer syncs can be edited and removed by hand.
- Update a frozen balance from the account drawer on accounts you can edit that are not still syncing.
- The dashboard offers a one-time card to separate business money if you asked for it during setup.
Improved
- Setting up an account is one flow for everyone, with the same questions as before.
- The homepage says the free plan exists, in English, French, Spanish and Chinese.
- Desjardins has its own page in English and French, stating two limits to know before connecting.
- Announcement emails can use real headings, and their unsubscribe link stays valid for at least 63 days.
Fixed
- An account stopped by a lapsed subscription no longer needs attention forever.
- A stopped connection no longer offers actions that cannot work, such as stopping a sync already stopped.
- A second login at the same brokerage no longer retires the first.
- A failed read of your accounts no longer looks like an empty list; offline now says so and offers a retry.
- One wedged refresh no longer blocks every other bank update; a run past ten minutes is cancelled.
- A scheduled cancellation now shows on the Settings billing card.
Improved
- We no longer send the first-week check-in email or the day 11 discount email.
Fixed
- Your bank's updates arrive when your bank sends them, rather than the next night.
- Our emails about your subscription no longer tell you your access has ended.
- A locked database row no longer fails a whole brokerage refresh.
New
- Keep business and personal money in separate books by creating a second book in Settings and assigning accounts to it.
- Transfers between your own books show up as an owner's draw in cash flow when both sides are connected.
- When your trial ends, the app stays open and everything you can do by hand stays yours.
Improved
- The net worth chart's line view scales to net worth alone, so it draws as a line again.
- "Sync now" says which part failed and offers a retry only when it would reach your bank.
- The broken connection banner names each bank and repairs the one you pick.
- Add Account on the dashboard now offers "Import from another app" and "Add manual asset".
- "Last updated" moves only when a balance actually arrives.
- The coverage page no longer implies its 21 banks are the whole list the app searches.
- The paywall lists what paying actually buys instead of things the free plan already does.
- The TFSA and FHSA room pages now cover withdrawal timing, CRA lag, over-contribution penalties and when FHSA room starts.
- A reopened browser gets its own 48 hour window, so coming back the next day needs no two-factor code.
Fixed
- A holding with no recorded price no longer reports a total loss.
- A holding your broker did not name no longer takes the dashboard down.
- Brokerage accounts are no longer filed as a generic investment account.
- An extended trial is no longer cancelled on day 14.
- "Your trial has ended" now reaches everyone whose trial ended.
- A bank connection that imports nothing no longer reports success.
- One account's consent prompt no longer costs other people their nightly sync.
- Reconnecting a brokerage after a lapsed subscription no longer doubles your net worth.
- Two logins at the same bank are now told apart.
- All twelve registered account types are held to the Canadian dollar rule, including the FHSA.
- Creating an investment account by hand now works.
- A failed daily recalculation after editing an asset now warns you.
- The verification email is sent to new sign-ups again.
- We no longer say an email was sent when it was not.
- Searching for a bank with a stray space now finds it.
Security
- A manually created debt can no longer be filed against somebody else's account or bank connection.
Improved
- The coverage page now lists 40 institutions including US banks and brokerages, and the picker shows a US bank's banking side.
Fixed
- The 30 day cleanup of a retired bank connection now clears only the credential and keeps your accounts.
- A bank connection that fails halfway now shows on your Accounts page with a retry instead of disappearing.
- Your transaction list no longer collapses to the single row you just added.
- A dividend sent as a per-unit rate with no unit count now records the amount actually paid.
Improved
- "Sync now" refreshes bank-held investments and says brokerage holdings arrive later.
- The bank picker now has a country switch, so you can reach US banks.
- Budgets and Goals open with the same summary, and Budgets shows overspending past 100% to one decimal.
- Small uppercase labels above figures now follow dark mode.
- The coverage page now lists CIBC Investor's Edge as a supported institution.
Fixed
- A holding with no cost basis no longer reports its whole value as gain.
- A credit balance on a card or loan no longer counts as debt.
- The 30 day token rule that cut accounts off from their bank now allows a far longer window; accounts already cut off are not restored.
- An account type we do not recognise still defaults to chequing but now raises an alert.
- An RESP that a Canadian bank reports under the US name now reads as an RESP.
- Finishing a brokerage connection during setup no longer ends setup.
- Notifications saved under the wrong key during a connection problem no longer block your whole list; ones already saved need a one-off repair.
- Investment updates from your bank arrive again.
- Comparing duplicate transactions now loads the rows from the server instead of the cache.
Security
- Error reports no longer include your amounts or category names.
- An unsubscribe link now applies only to the emails it was sent for.
Improved
- Connecting a bank you already have now keeps both connections; balances count twice until you disconnect one.
- The dialog that stops an account syncing now explains what keeping or deleting it leaves behind.
- The disconnect confirmation is easier to read and keeps your chosen option when you go back a step.
- Account rows no longer show a meaningless four-character code where the account number belongs.
- Bank and brokerage logos are now legible in the picker.
Fixed
- A second login at the same bank no longer removes the accounts from the first.
- Your history is no longer merged into the wrong login on a single account-number match.
- Reconnecting the same bank twice in one day no longer loses the import.
- Reconnecting no longer duplicates your credit cards and loans.
- Adding an expense by hand works again.
- The add-transaction dialog now closes once the transaction is saved.
- Deleting a transaction now works.
- Budgets and recurring bills no longer report $0 of spending.
- Recategorising a transaction as income no longer inflates your contribution room; rooms already calculated are corrected automatically.
- "Continue Anyway" no longer leaves a blank white screen.
- Your buys, sells and dividends now keep refreshing after you link a brokerage.
- Net worth history no longer skips the same people every night.
- Fewer bank updates are dropped when several arrive at once.
Security
- A lapsed subscription now disconnects your banks properly, except for fully deleted accounts, which are cleared by hand.
- Rate limits now count per account, with a separate per-address limit still in place.
- Your name is stored under your own key from the moment your account exists.
- Administrative access on our side now requires a second factor.
Improved
- The buttons that start your trial now open the setup itself instead of the sign-up or sign-in form.
- Bank search now ranks results before cutting the list, so "td" finds TD.
- The connect screen now shows logos for banks and brokerages.
- Transactions show the merchant's logo, even when a payment processor like Square handled the sale.
Fixed
- A bank that needs a fresh sign-in now says so and can be reconnected.
- A stalled connection now shows even when your other accounts work.
- An account keeps its last known balance when your bank sends none, instead of dropping to $0.
- A short position no longer stops your holdings from syncing.
- Signing in no longer leaves you stuck on the login screen.
- You can now record an overdrawn account with a negative manual balance.
- The "YTD Return" and "Time-weighted (1Y)" tiles no longer show the same number.
- A bank connection that imported nothing now tells you.
- Filtering your transactions no longer breaks the page.
- An import that failed for good now offers a reconnect instead of a retry.
New
- A guided setup replaces the old wizard: a few questions, sign-up, connecting an institution, a first sync, a goal, budgets and categorizing.
- During setup, budgets are suggested per category from the spending you just imported.
- The Accounts page shows when a freshly connected bank is importing, for Plaid banks only.
Improved
- Bank search now shows which country each bank is in.
- You now stay signed in for two hours without activity instead of fifteen minutes.
- A sync that refreshed nothing no longer reports success.
- A connection that brought in no accounts now appears when you have no accounts yet.
- A brokerage link deleted at SnapTrade now tells you it is gone.
Fixed
- A short position no longer breaks the dashboard or shows $0 gain and 0.00% return.
- A short position that gains no longer shows in red as a loss.
- A dividend on a short position now counts as a cost, not income.
- An overdrawn account no longer breaks the dashboard.
- A bank handoff that returns nothing now tells you.
- Canadian bank accounts connected through Plaid are no longer labelled US dollars.
- A dashboard that cannot load now says so instead of showing $0.
- Errors are no longer reported as "No internet connection".
Security
- Rate limits on our email flows can no longer be sidestepped by signed-out callers.
- A reply from Google's key service carrying an error instead of keys is no longer stored as a key.
New
- A redesigned two-column home dashboard, with a card comparing this month's spending with last month's.
- The connection diagram now follows the order the connection happens and folds down once you have seen it.
Improved
- Connecting a bank responds right away, and your accounts fill in over the following minute.
- The account panel now closes with your Back button and has its own shareable address.
Fixed
- Your buys, sells and dividends are far more likely to arrive after linking a brokerage through your bank.
- Reconnecting with the wrong bank login now explains itself instead of showing raw error text.
- When you have no accounts yet, a first connection whose import fails now shows a notice.
- Insights now appear in the language you are using, not the one saved on your profile.
- An intercepted connection to Google no longer signs you out.
Accessibility
- The main tabs on Transactions, Analytics, Cash flow and Settings now work with a keyboard.
Security
- Trusted-device sign-in is removed, so you enter your second factor every time you sign in.
New
- Goals and Budgets now have a Suggestions action in the header that brings back starter suggestions once you have your own.
Fixed
- Connecting a bank on the Connect step during signup now completes.
- Adding a property or other manual asset on the Connect step now counts toward finishing setup.
- A stale connection to Google during the session check is now retried instead of failing the page load.
- Long transaction lists no longer repeat the first page as new pages load.
- Credit cards and loans no longer drop out of view when you have more than one linked institution.
- Dark-mode polish in onboarding, account panels, dashboard figures and privacy screens; crash fixes on the paywall and transaction drawer; a steadier daily sync.
Improved
- The menu and footer on every public page now link to the full bank and brokerage lists.
Fixed
- Checkout says when you are not eligible for a promo code, and Subscribe shows your discounted first-period price.
- Opening checkout before prices finish loading no longer crashes the app.
- Expired trials now go straight to the paywall instead of the home screen.
- Net worth no longer counts accounts from disconnected brokerages.
- A transaction's merchant history now searches your whole ledger, not only what is already loaded.
New
- Add a free capital-gains tax calculator by province, with optional other taxable income, in the /tools/ hub, no signup.
Fixed
- A second brokerage connection no longer attaches its accounts to the first brokerage.
- The sign-in-again prompt now also appears while connecting a bank, checking out or exporting your data.
- Your first interactive sign-in now completes on the first attempt.
- The category-rules screen and the contribution-room note now read properly in dark mode.
New
- Switch between light and dark on our public pages; the site follows your device by default and remembers your choice.
Fixed
- Positions your brokerage stops reporting now drop off your holdings, while your history and manual entries stay.
- Reconnect no longer sends you to a brokerage that is no longer supported.
- A SnapTrade connection needing another two-factor check now shows a prompt instead of a dead end.
- The portfolio chart's history line is now visible in dark mode, drawn in Mozaic teal.
New
- Invite friends from a new Settings page with your personal link and a count of sign-ups through it.
New
- Compare an equal-weight, buy-and-hold portfolio of up to 5 stocks or ETFs to a benchmark, free and without signup.
Improved
- The pricing page now shows one plan, a monthly or annual toggle, and direct answers about the trial.
Fixed
- The dashboard insight note, sync status pills and the public site's security panel now read properly in dark mode.
New
- Choose Light, Dark or System under Settings, Appearance, with a dark theme on every screen down to the loading splash.
- Three new free calculators in the /tools/ hub: RRSP room, RESP with the CESG grant, and net worth.
Improved
- A type you correct on a connected account now stays after the next brokerage sync.
Fixed
- Scrolling a long transaction list no longer duplicates rows as new pages load.
Security
- Unsubscribe and one-click email links are now scope-bound, time-limited and rate-limited, and vote links now expire.
New
- See income and spending as a Sankey diagram in the Analytics Cash Flow view, with drill-down and PNG export.
- The dashboard leads with net worth, a plain-English cash-flow verdict and an "up next" strip.
- Enter your card and convert your trial in the app, without a separate checkout page.
Improved
- An account's currency, management and disconnection now live in one slide-in drawer.
- Recurring is now one calendar-first view with separate lanes for income, bills and transfers, and colour-coded dots.
- Faster transaction lists and syncs, a redesigned transaction detail view and a tidier settings menu.
Security
- Per-user envelope encryption is live, encrypting sensitive fields with a rotatable per-user key held in Google Cloud KMS.
Accessibility
- Keyboard navigation across the app and its sidebar, screen-reader labels on shared money widgets, and AA-contrast text.
New
- A new Recurring page shows what is paid, upcoming and overdue in a calendar view; credit-card rows show minimum payment and statement balance.
- TFSA and FHSA room share one page, with a new FHSA estimator, a net-deposit starting point, and a free public TFSA calculator in /tools/.
- Cash flow gets a Passive Income band for dividends and interest, with a drill-down into its transactions.
- Sign up through a shorter, manual-first flow with magic-link login, and add an account by hand before linking a bank.
Improved
- Transaction edits made offline are saved and replayed on reload, and a banner says when what you see may be stale.
- Turn auto-categorization on or off, plus faster daily syncs and a batch of reliability fixes.
Security
- Add reCAPTCHA Enterprise protection on sign-in.