v1.7 · Released · January 11, 2026
Fund Account Feature
Introducing dedicated Fund accounts for tracking emergency funds and savings goals. Funds are excluded from Net Worth calculations and displayed in a dedicated dashboard section with health status tracking.
New Account Types
- Emergency Fund: Track months of expense coverage with configurable health thresholds (Critical, Underfunded, Building, Funded).
- Savings Goal (Fund): Track progress toward a target amount with percentage-based health status.
- Calculation Modes: Choose between "Months of Coverage" (budget-linked) or "Target Amount" (goal-based) tracking.
Dashboard Integration
- Emergency Fund Replaces Runway: When an Emergency Fund exists, the Runway card displays months of coverage with health status.
- Dedicated Funds Section: New full-width section at bottom of dashboard showing all fund accounts with progress bars.
- FundCard Component: Visual cards displaying balance, progress percentage, and health status.
Financial Logic
- Net Worth Exclusion: Fund accounts (EMERGENCY_FUND, FUND, TITHE) are excluded from Net Worth calculation.
- No Opening Balance Income: Creating fund accounts does not generate "Opening Balance" income entries.
- Health Thresholds: Configurable thresholds for months-of-coverage mode (default: 2/4/6 months).
Account Form Updates
- Fund Account Group: New "Fund Accounts" section in account type selector with Shield and Target icons.
- Fund Info Banner: Blue alert explaining that funds are excluded from Net Worth.
- Dynamic Form Fields: Calculation mode selector, target amount input, and threshold configuration.