<h2>SavePoint v1.1: New Features and Improvements</h2>
<p>We've been listening to your feedback and working on improvements since launch. SavePoint v1.1 is now available with performance optimizations, new features, and quality-of-life improvements based on what you've told us matters most.</p>

<h3>Performance Improvements</h3>

<p>Speed matters when you're reviewing your finances. This update includes optimization work across the application:</p>

<p><strong>Faster dashboard loading.</strong> The main dashboard now loads more efficiently, especially for users with several months of transaction history.</p>

<p><strong>Improved chart rendering.</strong> Net worth trends and cashflow charts render more smoothly, particularly when viewing longer time periods.</p>

<p><strong>Better memory management.</strong> We've reduced the application's memory footprint during extended sessions.</p>

<h3>New Interactive Tutorials</h3>

<p>Getting started with SavePoint should feel approachable, not overwhelming. We've added interactive tutorials that walk you through core features step by step:</p>

<p>Setting up your first account. Entering transactions. Creating a budget. Understanding the balance sheet. Using the FIRE planning tools.</p>

<p>These tutorials appear when you first access each feature, but you can revisit them anytime from the Help menu.</p>

<div class="feature-box">
<h4>💡 Key Point</h4>
<p>The new tutorials are optional and dismissible. If you're already comfortable with a feature, just skip the tutorial and continue with your workflow. They won't interrupt experienced users.</p>
</div>

<h3>Bug Fixes</h3>

<p>We've addressed issues reported by users since launch:</p>

<p>Fixed a calculation edge case in the Monte Carlo simulations for FIRE planning. Resolved display issues on certain screen resolutions. Corrected a bug where some imported transactions could duplicate under specific conditions. Fixed date formatting in exports for non-US locales. Addressed occasional slowdowns when editing transactions in bulk.</p>

<h3>Quality of Life Improvements</h3>

<p>Small improvements that make daily use smoother:</p>

<p>Category dropdown now remembers your most recently used categories. Transaction entry form preserves the last-used account for faster repeat entries. Keyboard shortcuts added for common actions (see Help > Keyboard Shortcuts). Improved error messages that actually explain what went wrong.</p>

<h3>How to Update</h3>

<p>If you purchased SavePoint through our website, you can download the latest version from your account dashboard or the software downloads page. Your existing data will remain intact during the update.</p>

<p>As always, we recommend backing up your data before any software update. SavePoint makes this easy through Settings > Backup & Restore.</p>

<div class="highlight-box">
<h4>⚠️ Important Warning</h4>
<p>Back up your SavePoint data before updating. While updates are designed to preserve your data, having a backup gives you peace of mind.</p>
</div>

<h3>What's Next</h3>

<p>We're continuing to develop SavePoint based on user feedback. Some areas we're actively working on include enhanced reporting options, additional dashboard customization, and mobile companion features (while maintaining our offline-first commitment).</p>

<p>Have a feature request or found a bug? We genuinely want to hear from you. Reach out through our support page or community forums.</p>

<div class="cta-section">
<h4>Ready to Take Action?</h4>
<p>If you're already using SavePoint, download the latest version to get these improvements. New to SavePoint? There's never been a better time to take control of your finances.</p>
<a href="https://savepointfinance.com/software-download" class="cta-button">Download the Update</a>
</div>

Discover what's new in SavePoint v1.1. Performance improvements, enhanced features, and bug fixes to make your financial tracking even better.

SavePoint v1.1: New Features and Improvements | SavePoint Finance

SavePoint v1.1: New Features and Improvements

<p>As mentioned in our last update, one of our next priorities was improving the Transactions page, particularly the checkbook features that several users have requested. We are pleased to share that Version 1.6.5 lays the foundation by introducing support for check numbers and new options for tracking cleared transactions. This update also introduces a new Not Counted category type, the ability to create your own custom category types, and several important improvements to how categories are managed.</p>

<h3>Transactions: check numbers and cleared status</h3>
<p>Although SavePoint previously stored check numbers and cleared status, there was no convenient way to view or manage them. Both new columns are hidden by default and can be enabled through the <strong>View</strong> button at the top of the Transactions page.</p>
<ul>
<li>Enter a check number when adding or editing a transaction. The field also supports short descriptions such as EFT, DEBIT, or VOID.</li>
<li>Sort check numbers numerically, search them, and include them in exports.</li>
<li>Filter transactions by their cleared status, and update individual or multiple transactions using Edit Mode or Bulk Edit.</li>
<li>Choose whether newly created transactions are marked as cleared by default, on the Transactions page or under Settings.</li>
<li>On import, QIF files keep their cleared status, QFX and OFX bank statements import as cleared, and CSV and Excel imports follow your default.</li>
</ul>
<p>Cleared status is intended for your own recordkeeping and does not affect account totals, budgets, envelopes, or other financial calculations.</p>

<h3>Categories: a "Not Counted" type, and types of your own</h3>
<p>The new <strong>Not Counted</strong> category type allows you to record transactions without including those amounts in your financial totals. For example, you may pay an $80 restaurant bill on behalf of yourself and a friend, with your friend reimbursing you $40 in cash. Split the transaction into $40 under Restaurants and $40 under Not Counted: the full transaction remains visible to match your statement, but only your portion is included in your expenses. Not Counted transactions are left out of income and expense totals, budgets, cash flow, reports, yearly trends, FIRE and envelopes.</p>
<p>Under Settings &gt; Category Management, a new Category Types section describes the five built-in types (Income, Expense, Transfer, Payment and Not Counted), and you can create custom types, such as Side Hustle or Paid for Others, that behave like the built-in type you choose.</p>

<div style="background: rgba(59, 130, 246, 0.08); border-left: 4px solid #3b82f6; border-radius: 8px; padding: 16px 20px; margin: 1.5rem 0;">
<p style="margin: 0;">Although we have tested these changes for compatibility, we recommend creating a backup before updating, as we do with all significant updates.</p>
</div>

<p>All existing categories keep their names and types, and transactions stay assigned to their current categories, so your existing totals should remain unchanged. Each profile also receives two new categories under Not Counted, named Not Counted and Uncategorized, and no existing transactions are automatically reassigned to them.</p>

<h3>Safer category housekeeping</h3>
<p>SavePoint will now prevent you from permanently deleting a category that is currently in use, and offers to deactivate it instead. If earlier versions left transactions without a category, the Transactions page can now offer to move them into Uncategorized, where they become visible again.</p>
<p>Changing the type of a category that already contains transactions now shows how many would be affected before you proceed, and Reset Categories to Defaults now keeps any default categories that still exist, along with their transactions, budget lines, and envelopes.</p>

<h3>Smaller fixes</h3>
<ul>
<li>Split transactions now calculate correctly in the Transactions summary cards, and the Type and Sub Category filters include them when any split line matches.</li>
<li>Saving in Edit Mode no longer reverses transfers or payments, or marks all transactions as cleared.</li>
<li>PDF export charts now export correctly across all supported themes, and single-month Cash Flow exports compare against that month's budget.</li>
<li>Clearer encryption messages for a mistyped recovery key and for login password changes.</li>
<li>Help and tutorials updated in all eight supported languages, plus database improvements for long-term stability.</li>
</ul>

<p><strong>Important note for existing users:</strong> the first time you open the Transactions page after updating, a one-time introduction explains the new features. By default, SavePoint will leave your existing transactions unchanged.</p>

<div class="cta-section">
<h2>Download SavePoint v1.6.5</h2>
<p>Check numbers and cleared status, a new Not Counted category type, custom category types, and safer category management.</p>
<a href="https://savepointfinance.com/software-download" class="cta-button">Download v1.6.5</a>
</div>

<h3>Looking Ahead</h3>
<p>Next up for the Transactions page is a proper checkbook register view, and after that an optional link between Transactions and the Balance Sheet. More to come!</p>

<h3>Affiliate Program</h3>
<p>If you love SavePoint and want to share it, our <a href="https://savepointfinance.com/affiliate">Affiliate Program</a> pays cash commissions on every referral that converts to a sale, with tiers starting at 30% and going up to 50%. All SavePoint purchases are eligible.</p>

<p>As always, thank you for the feedback and suggestions; many of the improvements in this release came directly from your requests. If you run into anything, drop a comment below, message us on <a href="https://discord.gg/T4ZSNk8TT7">Discord</a>, or use the contact form on the website.</p>

<p>Talk soon,<br>The SavePoint Team</p>


SavePoint v1.6.5 adds support for check numbers, new options for tracking cleared transactions, a new Not Counted category type, and custom category types.


SavePoint v1.6.5: Check Numbers, Cleared & Not Counted

Check numbers, cleared status, a new Not Counted category type, custom category types, and safer category management.

SavePoint v1.6.5: Check Numbers & Cleared Status

SavePoint v1.6.5: Check Numbers, Cleared Status & Not Counted

<p>Version 1.6.4 is here. This one is smaller and more focused than the last few releases, and the focus this time is the Balance Sheet, which now has a View Settings panel giving you more control over how the page opens and which day it reads from. Alongside that, envelope budgets pick up your starting cash on their own, and two display bugs that hit non-English users are fixed. Thank you again for being part of the SavePoint community. Nearly everything in this release started as a message from someone using the software.</p>

<h3>Balance Sheet: View Settings</h3>
<p>The Balance Sheet has always let you pick an Index Day, which we use to show the particular day in a month the daily balance pulls from. What it did not do was save that choice for future sessions, or tell you which date you were looking at. This update handles both. The new <strong>View</strong> button is found next to the Index Day box.</p>
<p><strong>What you can set (in View):</strong></p>
<ul>
<li>Setting the period to "Current" means today's balances (the new default) or your Index Day. Current now means current.</li>
<li>Which day month and year views read: the 1st of the month (default), the last day of each month, a specific day, or the day you last picked.</li>
<li>Which view opens first: any view, or the view you last used, which is the default so nothing changes unless you want it to.</li>
<li>Remember collapsed sections and categories for your assets and expenses.</li>
<li>Remember your household member filter (only shown when household mode is on).</li>
</ul>
<p>Changes apply as you make them, with no Save button, the same way the Transactions View settings already work. They are saved per login rather than per machine, so two people sharing a computer each keep their own layout.</p>
<p>Improved labels on the Balance Sheet also allow you to better understand your data. The single view column header now reads "Today, September 22, 2026" or "As of September 22, 2026", and month and year views carry a one-line note above the table mentioning this as well, for example "Balances as of the 22nd of each month". Dates follow your own language.</p>

<h3>Envelope Budgeting: your starting cash lands where it should</h3>
<p>We identified a bug with Envelope Budgeting where if you turned on envelope mode during the Setup Wizard, your accounts were still at zero at that moment (which would normally make sense), so there was no cash to hand to your envelopes. SavePoint was supposed to catch up the first time you opened the Budget page. It did this correctly, unless you entered a transaction first, which switched the catch-up off permanently. The result was an envelope budget that never received your starting balance, with Unassigned Cash at zero while the Balance Sheet showed your real money.</p>
<p>Now, the first time you open Budget after updating, SavePoint compares your envelopes against your Balance Sheet cash and moves the difference into Unassigned Cash, with a permanent entry in Reconciliation history.</p>

<div style="background: rgba(59, 130, 246, 0.08); border-left: 4px solid #3b82f6; border-radius: 8px; padding: 16px 20px; margin: 1.5rem 0;">
<p style="margin: 0;">We tested this feature and determined that it should be safe for existing users. However, as always, we do recommend you create a backup to be sure.</p>
</div>

<p><strong>The way this works is:</strong></p>
<ul>
<li>It only ever adds. If your envelopes already hold more than your Balance Sheet does, nothing moves. SavePoint explains the gap and waits for you to update your balances, because pulling money back out is not a decision we want the program to make for you automatically.</li>
<li>This never runs twice, and it will not touch a month you have already closed.</li>
<li>This is not a reset. Money you already funded stays exactly where you put it. Only the missing difference moves.</li>
<li>Reconciliation history now shows this detail, so you can see what moved and when.</li>
</ul>

<h3>Two fixes for non-English users</h3>
<p>Liability balances were showing the opposite sign in the seven non-English languages, on individual rows as well as category and section totals. Separately, the Balance Sheet was working out its dates from UTC rather than your own, which meant users in Europe, Asia and Australia were being shown the balances from the day before their Index Day. In both cases the stored data was always correct and nothing needs to be re-entered. The display has been corrected.</p>

<h3>Smaller fixes</h3>
<ul>
<li>Add Transaction pre-fills your local date. Previously it used UTC, so entering a transaction in the evening west of the UK pre-filled tomorrow.</li>
<li>Closing the envelope setup wizard with the X now counts as having seen it. Before, it reopened on every Budget visit.</li>
<li>Reconciliation history and Catch Up appear in Settings as soon as envelope mode has been used, rather than only after finishing the onboarding wizard.</li>
<li>Amounts in the envelope screens now follow your own language and currency.</li>
<li>Re-running the Setup Wizard no longer rebuilds your envelopes.</li>
<li>Help and tutorials updated for the new Balance Sheet settings.</li>
<li>More database and settings-storage improvements for long-term stability.</li>
</ul>

<div class="cta-section">
<h2>Download SavePoint v1.6.4</h2>
<p>Balance Sheet View Settings, clearer dating on every view, and an envelope budget that starts with the cash you actually have.</p>
<a href="https://savepointfinance.com/software-download" class="cta-button">Download v1.6.4</a>
</div>

<h3>Looking Ahead</h3>
<p>We are hard at work on some future improvements tailored toward the Transactions page, coming out of user feedback. There will be some smaller improvements at first, tailored toward checkbook workflows that several of you have asked for by name. After those, we are looking to build out a proper checkbook register view and an optional link between Transactions and the Balance Sheet. More to come!</p>

<h3>Affiliate Program</h3>
<p>If you love SavePoint and want to share it, our <a href="https://savepointfinance.com/affiliate">Affiliate Program</a> pays cash commissions on every referral that converts to a sale, with tiers starting at 30% and going up to 50%. All SavePoint purchases are eligible.</p>

<p>As always, if you run into anything or have feedback, we would love to hear from you. Drop a comment below, message us on <a href="https://discord.gg/T4ZSNk8TT7">Discord</a>, or use the contact form on the website.</p>

<p>Thanks as always for your feedback and for trying SavePoint.</p>

<p>Talk soon,<br>The SavePoint Team</p>


SavePoint v1.6.4 is live. A new Balance Sheet View Settings panel, clearer dating on every view, and envelope budgets that now start with your real cash.


SavePoint v1.6.4: Balance Sheet Views & Envelope Update

Set how the Balance Sheet opens and which day it reads from, see the date behind every view, and let your envelope budget start with the cash you actually have.

SavePoint v1.6.4: Balance Sheet View Settings

SavePoint v1.6.4: Balance Sheet View Settings & Envelope Update

<h2>SavePoint Tutorial Videos: YouTube Channel Launch</h2>
<p>We've heard you. While our written documentation covers SavePoint's features in depth, some things are just easier to understand when you can watch them happen on screen.</p>

<p>Today we're excited to announce the launch of the SavePoint YouTube channel, featuring tutorial videos designed to help you get the most out of every feature.</p>

<h3>What You'll Find</h3>
<p>The channel is organized around the way you actually use SavePoint:</p>

<p>Getting Started: Step-by-step setup guides for new users. How to configure your first budget, add accounts, and import transactions. Everything you need to go from installation to tracking in one sitting.</p>

<p>Feature Deep Dives: Detailed walkthroughs of SavePoint's major features. FIRE planning and Monte Carlo simulations. Balance sheet tracking and net worth visualization. Budget analysis and the Cashflow Center.</p>

<p>Tips and Tricks: Shorter videos covering specific techniques. Keyboard shortcuts, import workflows, report generation, and the little optimizations that make daily use smoother.</p>

<div class="highlight-box">
<h4>Launch Video Lineup</h4>
<p>Complete setup walkthrough (getting started in under 30 minutes). Budget creation and the 50/30/20 method. Transaction importing from bank CSV files. Understanding the FIRE Planning dashboard. Balance sheet and net worth tracking basics. More videos added weekly.</p>
</div>

<h3>Visual Learners Welcome</h3>
<p>We know that not everyone learns best from reading documentation. If you've been putting off exploring certain features because the help pages felt overwhelming, the video tutorials might be exactly what you need.</p>

<p>Each video is designed to be practical, not promotional. We show you exactly how to do things, with real examples and common scenarios. No fluff, no filler.</p>

<h3>Community Input</h3>
<p>The video lineup will evolve based on what you want to see. Leave comments on videos with questions or requests. If multiple people ask about the same topic, it moves up the production queue.</p>

<p>This is part of our broader commitment to making SavePoint accessible regardless of how you prefer to learn. Written help, video tutorials, and the community forums together should give you multiple paths to mastering your finances.</p>

<h3>Subscribe for Updates</h3>
<p>New videos are released weekly. Subscribe to the channel and enable notifications so you don't miss new content. And if you find the tutorials helpful, sharing them with others who might benefit helps us keep creating.</p>

<div class="cta-section">
<h2>Watch and Learn</h2>
<p>Head over to our YouTube channel and start with the video that matches where you are in your SavePoint journey. New to the software? Start with the setup guide. Been using it for a while? Check out the advanced feature deep dives.</p>
<a href="https://www.youtube.com/@SavePointFinance" class="cta-button">Visit the Channel</a>
</div>

Learn SavePoint through video tutorials. Our new YouTube channel features setup guides, feature deep dives, and tips for personal finance tracking.

SavePoint Tutorial Videos: YouTube Channel Launch | SavePoint Finance

Video tutorials for visual learners. Learn SavePoint by watching.

SavePoint Tutorial Videos: YouTube Channel Launch

<p>We've launched a Reddit community for SavePoint users, and we'd like you to be part of it.</p>

<p>Head over to <strong>r/SavePointFinance</strong> to join the conversation.</p>

<h3>What the Community Is For</h3>

<p>The subreddit is a place for SavePoint users to connect, share how they're using the software, ask questions, and help each other get more out of their personal finance tracking.</p>

<p>Some things you might find there:</p>

<p>Tips and workflows from other users. How people are structuring their accounts, categories, and budgets to match their specific situations.</p>

<p>Questions and answers. Stuck on something? Someone else probably figured it out already.</p>

<p>Feature discussions. What's working well, what could be better, what you'd like to see in future updates.</p>

<p>General personal finance discussion. The community isn't limited to SavePoint-specific topics. Budgeting strategies, FIRE planning conversations, and financial tips all fit.</p>

<h3>Why Reddit</h3>

<p>Reddit provides a straightforward way for users to connect without requiring everyone to check another app or website. If you're already on Reddit, you can subscribe and catch discussions in your normal feed. If you're not on Reddit, it's free to create an account.</p>

<p>Posts stay organized by topic, upvoting surfaces the most helpful content, and the threaded comment structure makes it easy to follow conversations.</p>

<h3>Community Guidelines</h3>

<p>We're keeping it simple:</p>

<p>Be helpful. If someone asks a question you know the answer to, share it.</p>

<p>Be respectful. People are at different stages of their financial journey and learning the software at different paces.</p>

<p>No spam or self-promotion. The community is for genuine discussion, not marketing.</p>

<p>Keep discussions constructive. Criticism is fine. Being critical is fine. Suggesting improvements is encouraged.</p>

<div class="highlight-box">
<h4>💡 Join the Conversation</h4>
<p>Visit <strong>r/SavePointFinance</strong> on Reddit to subscribe, introduce yourself, or browse existing discussions. The community grows as more people participate.</p>
</div>

<h3>We're There Too</h3>

<p>The SavePoint team participates in the subreddit. We read feedback, answer questions when we can, and pay attention to what users are discussing. It's one of the ways we stay connected with how people are actually using the software.</p>

<p>That said, the community isn't a replacement for official support. If you have a technical issue or need direct help, the support channels on the main website are still the place to go.</p>

<h3>Other Ways to Connect</h3>

<p>The Reddit community joins our other channels:</p>

<p>Discord for real-time chat</p>
<p>The main website's Help Center for documentation</p>
<p>Direct support through the Support page</p>

<p>Pick whatever works for you. Some people prefer the asynchronous nature of Reddit. Others like the immediacy of Discord. Both are active.</p>

<div class="cta-section">
<h2>Join the Community</h2>
<p>Whether you're a new SavePoint user or have been tracking finances with us since the beginning, there's a place for you in the community.</p>
<a href="https://reddit.com/r/SavePointFinance" class="cta-button">Visit r/SavePointFinance</a>
</div>

<p><em>Not a SavePoint user yet? Learn more at savepointfinance.com and join the community once you're ready.</em></p>

Join the SavePoint community on Reddit at r/SavePointFinance for tips, discussions, and connecting with other users.

SavePoint on Reddit - Join r/SavePointFinance

Join our Reddit community for tips, discussions, and connecting with other SavePoint users.

SavePoint on Reddit: r/SavePointFinance Community

<p>Version 1.6.2 is here, built around two things. The first is a brand new<strong>Bulk Edit</strong> feature for the Transactions page: select transactions across every page, change up to eight fields in a single operation, preview every change before anything is saved, and undo it afterward from a persistent, conflict-safe history. The second is a complete <strong>rebuild of our in-app help guides</strong>. We rewrote all 11 of them to be clearer, more useful, and focused on how you actually use SavePoint. Rounding it out: a switchable Transactions table style, protection for those completing the setup for the first time, and a solid round of theme and interface fixes. Thank you, as always, for being part of the SavePoint community. Your feedback shaped nearly every change below.</p>

<h3>Bulk Edit: Change Many Transactions at Once</h3>
<p>Did you make a mistake somewhere along the way? We already added the ability to filter by import batch, but that stops short of allowing you to make mass updates to problems you may have had. Editing transactions one at a time is fine for a stray typo. It is painful when you need to recategorize a whole month of imports, tag every business expense, or fix a merchant name across dozens of rows. Bulk Edit turns that into a single, previewable operation.</p>
<p><strong>Select exactly what you mean, across pages.</strong> Row selection now survives page navigation and table re-renders, so your checked rows stay checked as you move around. With pagination on, checking the header select-all offers a spreadsheet and Gmail-style <strong>"Select all N matching filters"</strong> banner to extend your selection across every page. <strong>Shift+Click</strong> a second checkbox to select an entire range, spreadsheet style, and the whole checkbox cell is now a click target, so you no longer have to hit the tiny box. Changing any filter clears the selection, so you can never silently edit rows you cannot see.</p>
<p><strong>Change up to eight fields in one pass.</strong> A new <strong>Bulk Edit (N)</strong> button opens a modal where every field starts off; only the sections you enable are applied:</p>
<ul>
<li><strong>Description</strong> - find and replace (case-insensitive by default, with a case-sensitive toggle), set to a new value, or add a prefix or suffix (your spaces are preserved exactly).</li>
<li><strong>Category</strong> - amounts automatically re-sign to match the new category type.</li>
<li><strong>Currency</strong> - relabel the currency (amounts are not converted, and SavePoint tells you so).</li>
<li><strong>Tags</strong> - add, remove, replace all, or clear, using the same clickable pill picker as the per-transaction editor.</li>
<li><strong>Notes</strong> - replace, add to the end, or add to the beginning.</li>
<li><strong>Account</strong> - reassign for reporting.</li>
<li><strong>Owner</strong> (Household mode) - assign to a member, Shared, or Unassigned.</li>
<li><strong>Return / Refund / Credit</strong> - mark or unmark, for expense transactions.</li>
</ul>
<p><strong>Nothing is applied until you say so.</strong> A preview step shows how many transactions each change will touch, plus every skip and the exact reason (split transactions, no match found, already has that value, and so on). A <strong>"Show affected transactions"</strong> drill-down lists every row that will change, with each field's old value struck through next to the new one, in friendly names rather than IDs. When it looks right, Apply is labeled with the exact row count.</p>
<p>Bulk Edit works in both table styles, in both budgeting modes (it is fully envelope-safe, respecting closed-period rules exactly like a single edit), and with pagination on or off.</p>
<p><strong>And every bulk edit can be undone.</strong> The success toast carries an Undo button, and a persistent <strong>History and Undo</strong> viewer keeps your ten most recent batches, surviving restarts. Undo is conflict-safe: <strong>newer changes always win</strong>, so anything you edited or deleted after a bulk edit is skipped and reported, never overwritten. You can undo batches in any order and unwind a chain of edits cleanly.</p>

<h3>Every Help Guide, Rebuilt</h3>
<p>We rebuilt SavePoint's entire in-app help system. All 11 guides (Dashboard, Transactions, Accounts, Cash Flow, Balance Sheet, Budget, Goals, FIRE, Yearly Trends, Reports, and Settings) were rewritten to be clearer, more useful, and focused on how you actually use the app, with technical jargon stripped out and every guide made accurate to the offline edition of SavePoint. The Budget guide now walks through both budgeting styles, Classic and Envelope, rather than just one, and we tightened up the copy across the board for consistency.</p>
<p>As part of the rebuild, the guides are now available in all 8 supported languages, alongside the guided page tutorials, so the help speaks whatever language you run SavePoint in.</p>

<h3>Choose Your Transactions Table Style</h3>
<p>The Transactions View settings gained a <strong>Table Style</strong> switch, so you can choose between the traditional table and the collapsible, Balance-Sheet-style table right where you are working. Your choice is remembered and stays in sync with Settings &gt; Preferences &gt; Display.</p>

<h3>Setup Progress Guard</h3>
<p>Navigating away from an unfinished first-time setup (by clicking any navigation link, for example Settings) now shows a clear warning that your setup progress is not saved, with a simple Stay or Leave choice, instead of silently bouncing you back to the wizard. The normal finish-to-dashboard path is unaffected.</p>

<h3>Fixes and Refinements</h3>
<ul>
<li><strong>Pagination toggle</strong> now appears in the traditional table mode, not just the collapsible one.</li>
<li><strong>View settings, the View button, and the column labels</strong> (including the Owner, Tags, and Notes headers) are now fully translated.</li>
<li><strong>Mainframe theme:</strong> solid colored buttons inside button groups were rendering black-on-black, and now show their accent color across the app.</li>
<li><strong>Dark themes:</strong> toast action buttons that could be invisible now use a style that reads on every theme.</li>
<li><strong>Bulk Edit history timestamps</strong> now display in your local timezone and date format.</li>
<li><strong>Prefix and suffix spaces</strong> are preserved exactly as typed.</li>
<li><strong>Edit Mode:</strong> rapidly pressing Ctrl+S or Save All no longer creates duplicate transactions.</li>
</ul>

<div style="background: rgba(59, 130, 246, 0.08); border-left: 4px solid #3b82f6; border-radius: 8px; padding: 16px 20px; margin: 1.5rem 0;">
<p style="margin: 0;"><strong>Already up and running?</strong> There is nothing to set up for Bulk Edit. Just select some transactions on the Transactions page and the <strong>Bulk Edit (N)</strong> button appears next to Delete Selected. To try the new table style, open <strong>View</strong> on the Transactions page and pick your Table Style.</p>
</div>

<div class="cta-section">
<h2>Download SavePoint v1.6.2</h2>
<p>Bulk Edit with preview and undo, rebuilt help guides, a switchable transactions table, and more.</p>
<a href="https://savepointfinance.com/software-download" class="cta-button">Download v1.6.2</a>
</div>

<h3>Looking Ahead</h3>
<p>We are always collecting feedback on what comes next. Sme of these updates were a direct result of user feedback. Let us know how we can improve SavePoint for you!</p>

<h3>Affiliate Program</h3>
<p>If you love SavePoint and want to share it, our <a href="https://savepointfinance.com/affiliate">Affiliate Program</a> pays cash commissions on every referral that converts to a sale, with tiers starting at 30% and going up to 50%. All SavePoint purchases are eligible.</p>

<p>As always, if you run into any bugs or have ideas for how SavePoint can work better, we would love to hear from you. Drop a comment below, message us on <a href="https://discord.gg/T4ZSNk8TT7">Discord</a>, or use the contact form on the website. We read everything and respond personally.</p>

<p>Thanks again for your support and for being part of this journey.</p>

<p>Talk soon,<br>The SavePoint Team</p>


SavePoint v1.6.2 is live: a powerful cross-page Bulk Edit for transactions with preview and conflict-safe undo, plus a full rebuild of every help guide.


SavePoint v1.6.2: Bulk Edit and Rebuilt Help Guides

Edit many transactions at once with preview-first changes and conflict-safe undo, and dig into a completely rebuilt set of in-app help guides, now clearer, more useful, and available in all 8

SavePoint v1.6.2: Bulk Edit and a Complete Help Rebuild

SavePoint v1.6.2: Bulk Edit Arrives, Plus a Complete Help Guide Rebuild

<p>Version 1.6.1 is here, and it is built around one big, carefully considered addition and a set of refinements that make everyday importing faster and more accurate. The headline is <strong>optional database encryption</strong>, a way to lock your entire SavePoint database behind a password for anyone who wants a higher security posture. Alongside it, we have made SavePoint's import auto-categorizer noticeably smarter, added two new date filters and a new type filter to the Transactions page, and made the import wizard show you more of your actual file before you commit. As always, everything here is opt-in where it should be, off by default where it should be, and shaped by your feedback. Thank you for being part of the SavePoint community.</p>

<h3>Encryption at Rest: Optional, and Only If You Want It</h3>
<p>SavePoint has always stored your data locally on your own machine. Version 1.6.1 adds the option to go a step further and <strong>encrypt the entire database file</strong> with AES-256, so it cannot be opened by anyone without your password. This is entirely optional, off by default, and can be turned back off at any time. Nothing changes for existing users unless you choose to turn it on.</p>
<p>We built encryption to serve two purposes:</p>
<ul>
<li><strong>A stronger security posture, even locally.</strong> If you want your financial data protected at rest on your own computer, this gives you a higher level of security than before.</li>
<li><strong>Groundwork for the future.</strong> Encryption also lays the foundation for an optional online-capable version of SavePoint down the road. When that arrives, local encryption will be required for it. For today's offline-only client, it stays completely optional.</li>
</ul>

<div style="background: rgba(239, 68, 68, 0.08); border-left: 4px solid #ef4444; border-radius: 8px; padding: 16px 20px; margin: 1.5rem 0;">
<p style="margin: 0 0 10px;"><strong>Please read this before you turn encryption on. This is VERY important.</strong></p>
<p style="margin: 0 0 10px;">Real encryption has no backdoor, and that is exactly what makes it worth having. When you enable it, SavePoint gives you a one-time <strong>recovery key</strong> in addition to your password. If you lose <strong>both</strong> your password and your recovery key, your data is permanently unrecoverable. Not by you, and not by the SavePoint team. We cannot reset it, and we cannot get it back for you. There is nothing we can do and that is by design. This is why we say in many places and multiple times that this is very important and you must be aware of the consequences should you lose your key.</p>
<p style="margin: 0;">Encryption is not for everyone, and that is okay. For those who want that extra security boost, you will have that ability, just with the cost that if you lose your information, there is nothing anyone on our team can do for you. If you turn it on, save your recovery key somewhere safe and separate from your computer. Full details are in our <a href="https://savepointfinance.com/help#encryption">Database Encryption help guide</a>.</p>
</div>

<p><strong>How it works when you turn it on:</strong> a guided wizard walks you through acknowledging how encryption works, choosing a strong password (12+ characters or 4+ words, checked against known breached passwords offline), and saving your one-time recovery key. SavePoint even asks you to re-enter two random parts of the recovery key to make sure you actually saved it. The conversion is atomic and verified before anything is swapped, and your original file is renamed aside rather than modified in place, so a crash mid-conversion never leaves you stranded.</p>
<p><strong>Unlocking and living with it:</strong> encrypted installs show a dedicated unlock screen at launch, translated into all 8 supported languages. You can change your password at any time (fast, no full re-encryption), rotate your recovery key, and optionally enable convenience features like unlocking automatically on your own trusted computer or auto-locking after a period of inactivity. All of those conveniences are off by default.</p>
<p><strong>Multi-person households are handled properly.</strong> Each user gets their own key wrapped under their own login password, so there is no shared secret to pass around. Everyone unlocks with the password they already know.</p>
<p><strong>Backups keep up.</strong> When your database is encrypted, backups are created in our new <code>.spbk</code> format, a consistent, encrypted snapshot that you can restore on any machine with your password or recovery key. A one-time reminder also makes clear that <strong>exported files (CSV, Excel, PDF) are never encrypted</strong>, since the whole point of an export is to open it elsewhere.</p>

<h3>Smarter Auto-Categorization When You Import</h3>
<p>When you import a bank or credit card file, SavePoint tries to suggest the right category for each transaction so you are not typing them in by hand. In v1.6.1 that engine got meaningfully smarter and more honest about what it knows.</p>
<ul>
<li><strong>Your Merchant Mapping rules now power category suggestions.</strong> Previously, the merchant patterns you set up in Settings only influenced the later vendor-level step of the import. Now they also feed the earlier Category Mapping step, so a vendor you have already taught SavePoint about gets suggested right away. To keep it trustworthy, a suggestion only appears when <strong>every</strong> matching vendor in a group resolves to the same category. If there is any conflict, SavePoint leaves it unsuggested rather than guessing.</li>
<li><strong>Every suggestion is now a clickable button.</strong> SavePoint computes up to three ranked suggestions per row (from your history, from smart keyword matching, and from your merchant patterns). It used to only surface the top one and hide the rest behind a "+2 more" label. Now all of them are buttons; click the one you want and it applies instantly.</li>
<li><strong>A new "Historical Match Window" setting.</strong> Under Settings &gt; Merchant Mapping, you can now choose how far back SavePoint looks when matching against your history (last 3, 6, 12, or 24 months; 12 is the default). Previously this was never a real choice: one step quietly rode on whatever date filter happened to be on your Transactions page, and another searched your entire history with no limit at all. Now it is a single, deliberate setting that both steps respect.</li>
</ul>
<p>We also fixed several quiet accuracy problems in the matcher itself:</p>
<ul>
<li><strong>No more false matches on tiny words.</strong> The historical matcher could match on incidental fragments. In testing, an imported "MCDONALDS #4521" was being suggested "Gasoline" because an unrelated old transaction, "FUEL 4 FREEDOM," happened to share the digit "4." Both sides of a match now require at least three characters, so distinctive words like "STARBUCKS" still match while stray digits no longer do.</li>
<li><strong>The smart-match keyword list now points at categories that actually exist.</strong> Several built-in keyword rules referenced category names that were never SavePoint's real defaults, so they silently produced nothing. They are now aligned to the real default categories (for example, gas maps to Gasoline, electric maps to Electricity), and guesswork entries that had no sensible target were removed rather than left to mis-categorize.</li>
<li><strong>Household data stays separated.</strong> The "Auto Map Similar Vendors" lookup is now correctly scoped to the person doing the import, so on a shared household database it can no longer draw suggestions from another member's transaction history.</li>
</ul>

<h3>Import Wizard: See More of Your File Before You Commit</h3>
<p>A few small additions remove the need to keep flipping back to your spreadsheet during import:</p>
<ul>
<li><strong>Header row now shows the following row too.</strong> The Column Mapping step already previewed your chosen header row. Now it also shows the row immediately after it, which is a real help when a bank's headers are ambiguous on their own (some banks use "Category" and "Description" to mean different things). You get the full context without opening the file.</li>
<li><strong>Amount Direction step shows your real data.</strong> When you tell SavePoint whether expenses are positive or negative in your file, it now shows your actual column headers plus the first few rows of your file, unmodified, so you can see the signs for yourself instead of guessing.</li>
<li><strong>Required fields are marked.</strong> The mapping step now flags the fields SavePoint needs (Date, Description, Category, Amount, and target Account) with a clear "Required" indicator.</li>
<li><strong>A heads-up before importing unmapped rows.</strong> If any transactions still have no category mapping when you hit Confirm Import, SavePoint now tells you up front and lets you go back and fix them, rather than skipping them silently mid-import.</li>
</ul>

<h3>New Transaction Filters</h3>
<p>The Transactions page gets three practical new filters:</p>
<ul>
<li><strong>"This Year"</strong> shows January 1 through December 31 of the current year.</li>
<li><strong>"Year to Date"</strong> shows January 1 through today.</li>
<li><strong>"Income &amp; Expense"</strong> is a new type filter that shows income and expense transactions together while hiding internal transfers and card payments, which is the view most people want when reviewing what they actually earned and spent.</li>
</ul>
<p>All three are localized across all 8 supported languages.</p>

<h3>Backups, Windows, and Other Fixes</h3>
<ul>
<li><strong>Backups are now a consistent snapshot.</strong> All backups (manual, automatic, and the safety backup before risky operations) now use a proper consistent snapshot instead of copying a live database file, which quietly improves reliability for everyone, encrypted or not.</li>
<li><strong>"On Exit" backups now run reliably when you close with the window's X button</strong>, not only when logging out.</li>
<li><strong>Your backup frequency now saves.</strong> Choosing a frequency like "On Startup" previously reverted after a restart. Fixed.</li>
<li><strong>Ctrl or Shift clicking an in-app link no longer opens a second app window.</strong></li>
<li>On the Accounts page, <strong>External Account links</strong> now open up in your default web browser (not the SavePoint window). SavePoint itself has been and still is completely offline-only.</li>
<li><strong>"Require password on startup" now truly holds</strong> across closing and reopening the app, not just at the profile picker.</li>
</ul>

<div class="cta-section">
<h2>Download SavePoint v1.6.1</h2>
<p>Optional encryption, a smarter import auto-categorizer, new transaction filters, and a more transparent import wizard.</p>
<a href="https://savepointfinance.com/software-download" class="cta-button">Download v1.6.1</a>
</div>

<h3>Looking Ahead</h3>
<p>Encryption in this release is also a first step toward something bigger. It lays the groundwork for a future online-capable version of SavePoint, where local encryption will be part of the foundation. To be clear, Online-Capable will ALWAYS be completely optional. Users who own the offline-only version of the program will have access to the online-capable version as well. We will have more to share on that as it takes shape. This is a bit down the line for now...In the nearer term, we are continuing to refine the Offline-Only version of SavePoint and incrementing on what you tell us.</p>

<p>As always, if you run into any bugs or have ideas for how SavePoint can work better, we would love to hear from you. Drop a comment below, message us on <a href="https://discord.gg/T4ZSNk8TT7">Discord</a>, or use the contact form on the website. We read everything and respond personally.</p>

<p>Thanks again for your support and for being part of this journey.</p>

<p>Talk soon,<br>The SavePoint Team</p>


SavePoint v1.6.1 is live. Optional database encryption, a smarter import auto-categorizer, new transaction filters, and a more transparent import wizard.

SavePoint v1.6.1: Optional Encryption & Smarter Import

Lock your database behind a password if you want a stronger security posture, plus smarter import auto-categorization, new transaction filters, and clearer import previews.

SavePoint v1.6.1: Optional Encryption Arrives

SavePoint v1.6.1: Optional Encryption, Smarter Import, and New Filters

<h2>SavePoint Affiliate Program Launch</h2>
<p>We've always believed that SavePoint should spread through genuine recommendations, not aggressive marketing. The people most likely to appreciate what we've built are the ones who hear about it from someone they trust. That's why we're launching the SavePoint Affiliate Program.</p>
<p>If you use SavePoint and believe in what we're doing, you can now earn commissions by sharing it with others.</p>

<h3>How the Program Works</h3>
<p>As an affiliate, you receive a unique referral link. When someone purchases SavePoint through your link, you earn a commission. It's straightforward: you share something you believe in, and you get paid when that sharing leads to a sale.</p>
<p>We've structured the program with three tiers to reward consistent referrers:</p>

<div class="highlight-box">
<h4>💡 Affiliate Commission Tiers</h4>
<p>Tier 1: 30% commission on each sale</p>
<p>Tier 2: 40% commission (after reaching sales threshold)</p>
<p>Tier 3: 50% commission (for top-tier affiliates)</p>
<p>All commissions are paid on the net purchase price after any discounts.</p>
</div>

<h3>Who Should Consider Becoming an Affiliate</h3>
<p>The affiliate program makes sense for people who already talk about personal finance. If you run a finance blog, YouTube channel, or podcast, you're already recommending tools to your audience. If you're active in personal finance communities on Reddit, Discord, or other platforms, you might naturally mention tools you use.</p>
<p>We're not looking for aggressive promoters. We're looking for people who genuinely use SavePoint, understand its value, and can authentically communicate that to others who might benefit.</p>

<h3>What You Get as an Affiliate</h3>
<p>Beyond commission payments, affiliates receive marketing materials including banner images, text links, and key talking points. You'll have access to an affiliate dashboard showing your clicks, conversions, and earnings. We also offer promotional codes for special campaigns.</p>
<p>Communication goes both ways. We want to hear from affiliates about what's working, what questions their audiences ask, and how we can support your promotional efforts.</p>

<h3>Getting Started</h3>
<p>To apply for the affiliate program, visit our affiliate page and complete the application. We review applications to ensure affiliates align with our values and have legitimate platforms for promotion. Once approved, you'll receive your unique affiliate link and access to marketing resources.</p>
<p>There's no cost to join. No purchase required. You just need a genuine interest in sharing SavePoint with people who would benefit from it.</p>

<h3>Our Approach to Affiliate Marketing</h3>
<p>We've built SavePoint on principles of honesty and transparency. Those principles extend to our affiliate program. We expect affiliates to be upfront about their affiliate relationship, follow FTC disclosure requirements, and only recommend SavePoint to audiences who would genuinely benefit.</p>
<p>We're not interested in affiliate relationships that rely on hype or pressure tactics. We want affiliates who can explain what SavePoint does, who it's for, and why they personally find it valuable.</p>

<div class="cta-section">
<h2>Join the SavePoint Affiliate Program</h2>
<p>If you believe in privacy-first personal finance and want to share SavePoint with your audience, we'd like to work with you.</p>
<a href="https://savepointfinance.com/affiliate" class="cta-button">Apply to Become an Affiliate</a>
</div>

<p><em>Help us grow the SavePoint community while earning commissions on your referrals.</em></p>

Join the SavePoint Affiliate Program with tiered commissions up to 50%. Earn by sharing privacy-first personal finance software with your audience.

SavePoint Affiliate Program Launch | Earn Commissions

Join the SavePoint Affiliate Program with tiered commissions up to 50%. Earn by sharing privacy-first personal finance software.

SavePoint Affiliate Program Launch

<p>Version 1.6 is here, and it delivers the single most-requested workflow in SavePoint's history: <strong>Envelope Budgeting</strong>. We have been working on this one for a while, and we are thrilled to finally share it. It is a complete, opt-in way to <strong>budget with intent</strong>: you fund an envelope for each category and watch your spendable balances move in real time as money comes in and goes out. It handles both cash and credit-card spending, supports rollover, reset, reset-to-a-set-amount, sinking funds, and future funds, closes and reopens months, carries your envelopes across the new year automatically, and reconciles against your Balance Sheet so you always know whether your envelopes match real cash. It is fully translated across all 8 supported languages. This release also brings new Sub Category filters to Reports. Thank you again for being part of the SavePoint community. Envelope Budgeting was the feature you asked for most, and your feedback shaped every piece of it.</p>

<h3>Envelope Budgeting: Budget with Intent</h3>
<p>Envelope Budgeting is opt-in and sits alongside your existing Classic budget. You turn it on in <strong>Settings &gt; Budgeting</strong> by switching your Budgeting Style from Classic to Envelope, and you can switch between the two whenever you like with your work in each kept. The two modes mostly operate on their own, with one deliberate overlap worth knowing: an envelope's <strong>Monthly Fund Target</strong> is the same number as that category's <strong>Monthly Budget</strong> in Classic for that year, so editing it in one place updates the other.</p>
<p>When you enable it, SavePoint sets everything up automatically. Each expense category becomes a <strong>spending envelope</strong> you can fund, a single <strong>Unassigned Cash</strong> envelope holds money that has not been given a task yet, and a <strong>Card Payment Reserve</strong> is created for each credit card account. Your starting cash on hand is seeded in so your books balance from day one.</p>

<p><strong>The core loop.</strong> Income lands in Unassigned Cash. From there you fund your envelopes, which moves money out of Unassigned Cash and earmarks it for a purpose. As you spend, the matching envelope's <strong>Available</strong> balance drops. Every envelope row shows <strong>Funded</strong>, <strong>Spent</strong>, and <strong>Available</strong> with a progress bar that turns red when you overspend, and a month navigator lets you browse past and future periods.</p>

<p><strong>Fund, move, and create envelopes:</strong></p>
<ul>
<li><strong>Fund Envelopes</strong> moves money from Unassigned Cash into a chosen envelope. Your total cash does not change; you are deciding which task those dollars do.</li>
<li><strong>Move Money</strong> shifts money between any two envelopes, the quick way to cover an overspent envelope from another.</li>
<li><strong>New Envelope</strong> creates a custom envelope or one linked to an existing category, with a role (Spending, Sinking Fund, or Debt) and a behavior at month end (Rollover, Reset, or Reset to a set amount).</li>
</ul>

<p><strong>Focus your list with view filters.</strong> A view filter at the top of your envelopes lets you switch between <strong>All</strong> (every envelope), <strong>Overspent</strong> (only envelopes where Available has gone negative, so you can see what needs covering), <strong>Underfunded</strong> (envelopes that have not reached their monthly target yet, handy while you work through Fund Envelopes), and <strong>Hide $0</strong> (tucks away envelopes that are completely idle this month). It makes a long envelope list easy to work through.</p>

<p><strong>Credit cards, handled honestly.</strong> By default, spending on a credit card does two things at once: it draws down the category envelope you spent from and moves the same amount into that card's <strong>Card Payment Reserve</strong>. When the real Credit Card Payment posts (cash actually leaves checking), the reserve drops by the payment amount, so your envelopes stay reconciled to cash even while you carry a card balance. If you pay your card in full every cycle, you can switch to a simpler "treat card spending as cash" mode instead.</p>

<p><strong>Rollover, sinking funds, and future funds.</strong> Each envelope decides what happens at month end: keep the leftover, reset to zero (sweeping the remainder back to Unassigned Cash), or top up to a fixed amount. <strong>Sinking Funds</strong> are envelopes you save into over time (vacation, insurance, car maintenance, holiday gifts, taxes), with a target, a progress bar, and a pacing line. <strong>Future Funds</strong> is money you set aside today for a specific future month, with a one-click "Fund Next Month" preset and easy release back to Unassigned Cash.</p>

<p><strong>Close a month, and cross into a new year.</strong> Closing a month rolls every envelope forward according to its behavior and freezes the rule it closed under, so editing an envelope later never rewrites a month you already closed. And when a new calendar year begins, SavePoint now <strong>finalizes the old year and carries your envelopes forward automatically</strong>, oldest month first, so January is ready to go.</p>

<p><strong>Reconciliation you can trust.</strong> In SavePoint, your cash on hand comes from your Balance Sheet, not from summing transactions. Envelope Budgeting holds to one simple idea: the sum of your envelopes should equal your cash on hand. A banner on the Budget page shows Cash on Hand vs Envelopes Total vs Drift, and a one-click <strong>Reconcile to Cash</strong> button folds any difference into Unassigned Cash.</p>

<p><strong>Where else it shows up:</strong></p>
<ul>
<li><strong>Accounts:</strong> Choose which accounts are part of the envelope budget (liquid assets and credit cards by default), so investments do not inflate your Unassigned Cash.</li>
<li><strong>Transactions:</strong> Reassign an envelope with a single click on the category cell, or select several transactions and Re-envelope them in bulk.</li>
<li><strong>Dashboard:</strong> Three envelope cards appear in envelope mode: Unassigned Cash and Future Funds, Overspent Envelopes, and your top Sinking Fund Progress bars.</li>
<li><strong>Reports:</strong> Three envelope reports show up while envelope mode is on, Envelope Month (a month-end snapshot of every envelope), Envelope Trends (how funding and spending move over time), and Sinking-Fund Progress (each goal's progress).</li>
</ul>

<p>A short onboarding wizard walks you through the whole idea, and there are plain-language tooltips and help popovers throughout. Since the whole feature is new, the best way to learn it is to try it, and there is a full walkthrough in the Envelope section of our <a href="https://savepointfinance.com/help">Help guide</a>.</p>

<div style="background: rgba(245, 158, 11, 0.1); border-left: 4px solid #f59e0b; border-radius: 8px; padding: 16px 20px; margin: 1.5rem 0;">
<p style="margin: 0 0 8px;"><strong>Already using SavePoint? How to switch cleanly.</strong></p>
<p style="margin: 0;">You do not need to re-run setup. When you turn on Envelope mode, you'll first choose <strong>which accounts are part of your budget</strong> (keep checking, cash, savings, and credit cards in; leave investments and property out so they don't inflate your starting cash). Keep in mind that <strong>spending from an account you leave out won't show as Spent on any envelope</strong>, that is by design, so include the accounts you actually spend from. Next, make sure those accounts' <strong>Balance Sheet balances are up to date</strong>, because Envelope mode sets your starting <strong>Unassigned Cash</strong> from them, not from past transactions. Then switch your Budgeting Style to Envelope in <strong>Settings &gt; Budgeting</strong>, and <strong>fund the current month forward</strong>, there's no need to rebuild past months or re-enter old transactions; your prior history becomes your starting cash. If a drift notice ever appears (for example after you update a balance or change which accounts are included), click <strong>Reconcile to Cash</strong> once to line everything up. You can switch back to Classic any time and your envelope work is kept.</p>
</div>

<h3>Reports: Sub Category Filters and a Multi-Select Hint</h3>
<p>In addition to Envelopes which is the star of this release, we have a smaller but powerful update to Reports to share, which will give you more depth to leverage your data.
<p>Reports gains new <strong>Sub Category 1</strong> and <strong>Sub Category 2</strong> filters that let you slice any transaction-based report by subcategory. They stack on top of your existing account, category, currency, member, and tag filters, and they are smart about it: the dropdowns only list subcategory values that actually exist in the transactions left after your other filters. Pick Category = Groceries first, and the subcategory dropdowns show only what exists on Groceries transactions. A small hint also now reminds you that you can <strong>hold Ctrl (or Cmd on Mac) to select multiple</strong> options in the Account, Category, and Currency filters.</p>

<div class="cta-section">
<h2>Download SavePoint v1.6</h2>
<p>Envelope Budgeting in full, plus new Sub Category filters in Reports.</p>
<a href="https://savepointfinance.com/software-download" class="cta-button">Download v1.6</a>
</div>

<h3>Looking Ahead</h3>
<p>Next, we are bringing envelope-aware views to the Cash Flow Center, FIRE Planning, and Yearly Trends. One note for trial users: the free trial does not include Envelope Budgeting yet. Wiring it in and testing it properly will take time, so there is no firm timeframe, and we may share a video preview in the meantime. More details soon.</p>

<h3>Affiliate Program</h3>
<p>If you love SavePoint and want to share it, our <a href="https://savepointfinance.com/affiliate">Affiliate Program</a> pays cash commissions on every referral that converts to a sale, with tiers starting at 30% and going up to 50%. All SavePoint purchases are eligible.</p>

<p>As always, if you run into any bugs or have ideas for how SavePoint can work better, we would love to hear from you. Drop a comment below, message us on <a href="https://discord.gg/T4ZSNk8TT7">Discord</a>, or use the contact form on the website. We read everything and respond personally.</p>

<p>Thanks again for your support and for being part of this journey.</p>

<p>Talk soon,<br>The SavePoint Team</p>

SavePoint v1.6 is live. Envelope Budgeting arrives in full: fund every category, sinking and future funds, credit-card reserves, month close, and auto year-end

SavePoint v1.6: Envelope Budgeting Arrives

An opt-in, budget with intent system with sinking funds, future funds, credit-card reserves, month close and reopen, automatic year-end carry, and Balance Sheet reconciliation. Plus new Sub C

SavePoint v1.6: Envelope Budgeting Is Here

<h2>SavePoint Help Center: Complete Documentation</h2>
<p>We're excited to announce the launch of comprehensive help documentation for SavePoint. Whether you're setting up your first budget or diving into advanced FIRE planning features, the Help Center provides detailed guides, tutorials, and answers to common questions.</p>

<div class="highlight-box">
<h4>💡 What's Available</h4>
<p>The Help Center covers every SavePoint feature with step-by-step instructions, and practical examples. From basic account setup to advanced Monte Carlo simulations, you'll find clear guidance for getting the most from the software.</p>
</div>

<h3>Getting Started Guides</h3>
<p>New to SavePoint? The Getting Started section walks you through initial setup, including creating your first budget using the setup wizard. You'll learn about the 50/30/20 framework, how to classify expenses as Needs or Discretionary, and how to set up income tracking.</p>
<p>These guides assume no prior experience with financial software. Each step is explained clearly with screenshots showing exactly what you'll see on your screen.</p>

<h3>Feature Deep Dives</h3>
<p>For users ready to explore SavePoint's full capabilities, feature-specific documentation covers:</p>
<p>Budget Management: Creating, modifying, and analyzing budgets across multiple years. Understanding the category hierarchy and using the Cashflow Center for detailed analysis.</p>
<p>Balance Sheet Tracking: Recording assets and liabilities, tracking net worth over time, and understanding how accounts connect to your overall financial picture.</p>
<p>FIRE Planning: Setting up retirement projections, running Monte Carlo simulations, and interpreting success probability across different scenarios.</p>
<p>Transaction Management: Importing transactions, categorizing expenses, handling transfers between accounts, and maintaining accurate records.</p>

<h3>Multi-Currency and Internationalization</h3>
<p>SavePoint supports 150+ currencies and 8 languages. The Help Center includes specific guidance for users tracking finances across multiple currencies, including how exchange rates work, how to set your base currency, and how to view reports in different currencies.</p>

<div class="highlight-box">
<h4>💡 Searchable and Accessible</h4>
<p>The entire Help Center is searchable. Can't remember which menu contains a specific feature? Just search for it (ctrl+f for now, more in-depth to come). Results link directly to relevant documentation sections.</p>
</div>

<h3>Video Tutorials</h3>
<p>For visual learners, we're building a library of video tutorials covering common workflows. Watch how to set up a new budget from scratch, import a year of transactions, or configure FIRE planning parameters.</p>

<h3>Continuous Updates</h3>
<p>Documentation updates with each SavePoint release. When new features launch, corresponding Help Center content is available immediately. You'll always have current documentation matching your version of the software.</p>

<div class="cta-section">
<h2>Explore the Help Center</h2>
<p>Whether you're troubleshooting an issue or learning a new feature, the Help Center has you covered. Start with the Getting Started guides or jump directly to your feature of interest.</p>
<a href="https://savepointfinance.com/help" class="cta-button">Visit the Help Center</a>
</div>

Comprehensive help documentation is now available for all SavePoint features, from basic setup to advanced analysis.

Personal Finance Blog

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SavePoint v1.1: New Features and Improvements

SavePoint v1.6.5: Check Numbers, Cleared Status & Not Counted

SavePoint v1.6.4: Balance Sheet View Settings & Envelope Update

SavePoint Tutorial Videos: YouTube Channel Launch

SavePoint on Reddit: r/SavePointFinance Community

SavePoint v1.6.2: Bulk Edit Arrives, Plus a Complete Help Guide Rebuild

SavePoint v1.6.1: Optional Encryption, Smarter Import, and New Filters

SavePoint Affiliate Program Launch

SavePoint v1.6: Envelope Budgeting Arrives

SavePoint Help Center: Complete Documentation

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SavePoint v1.1: New Features and Improvements

SavePoint v1.6.5: Check Numbers, Cleared Status & Not Counted

SavePoint v1.6.4: Balance Sheet View Settings & Envelope Update

SavePoint Tutorial Videos: YouTube Channel Launch

SavePoint on Reddit: r/SavePointFinance Community

SavePoint v1.6.2: Bulk Edit Arrives, Plus a Complete Help Guide Rebuild

SavePoint v1.6.1: Optional Encryption, Smarter Import, and New Filters

SavePoint Affiliate Program Launch

SavePoint v1.6: Envelope Budgeting Arrives

SavePoint Help Center: Complete Documentation

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