SavePoint v1.5: Households & Tags Arrive, Plus FIRE Rewrite

Version 1.5 is here, and this release finally delivers on the two most-asked-for features alongside a wide set of new capabilities and refinements. Households is finally here, and is a full cross-cutting system across Accounts, Budget, Transactions, Balance Sheet, Cash Flow, and Reports. Tags is a flexible labeling layer with default Tax/Business/General groups, per-split tagging in Advanced mode, and powerful Tag Summary and Tax Summary reports. The FIRE projection engine has been completely rewritten with proper post-retirement drawdown, the Cash Flow Center and Yearly Trends both get full Excel and PDF exports, and compensation tracking now handles job end dates and multi-role/promotion detection. Thank you again for being part of the SavePoint community. Your feedback has shaped just about every change in this release.

Households: Multi-Person Finance Tracking, Fully Delivered

Households feature now is completely integrated into SavePoint, built on top of the existing framework as a complete cross-cutting system. You pick one of three modes, members are tracked with full profile detail, shared expenses split automatically according to a contribution rule you choose, and member attribution flows through every page in the app.

Three modes (set in Settings > Household or during the Setup Wizard):

• Solo is the default. Single ledger, no member tracking, behaves exactly like SavePoint always has. Household features stay hidden until you opt in.
• Simple Household: each transaction gets one Owner (a specific person) or is marked Shared. Budget lines show "Paid By" and "Income For" member badges. Accounts get an Owner column and filter buttons (All / Individual / Joint). Best for most couples and multi-income households.
• Advanced Household: everything in Simple, plus per-split member attribution with custom amounts or percentages, per-line budget overrides, and a Balance Sheet by Member view. For households that need granular control over how costs are divided (roommates splitting utilities differently than groceries, families where one person earns much more, etc.).

Members each carry a name, short label (used in badges and column headers), color, emoji, and role (Primary, Member, Dependent, or Business). An active/inactive toggle lets you deactivate a member without losing their historical attributions on transactions, budget lines, or income plans.

Contribution rules for shared expenses:

• Equal split divides shared amounts evenly across active members.
• Proportional to income computes each member's share based on their budgeted annual income, so a member earning 60% of household income automatically covers 60% of shared expenses.
• Custom percentages let you set explicit splits (70/30, 50/30/20, whatever you need).

In Advanced mode, these defaults can be overridden on individual transactions or budget lines.

Where Households surfaces:

• Accounts page: Assign a default member to each account or mark it Joint/Shared. New Owner column with member badges and All / Individual / Joint filter buttons.
• Budget page: Income sources show an "Income For" label; expense lines show "Paid By". Filter the entire budget by member, and the math respects the filter (Sarah's budget view sums her owned expenses plus her share of shared expenses according to the active contribution rule).
• Transactions page: New Owner column, Owner filter dropdown, and per-split member assignment in Advanced mode.
• Balance Sheet: Per-member view showing only that person's accounts and balances, so each member can see what they actually own.
• Cash Flow: Member filter respects the same attribution rules.
• Reports: A new Household Budget Report breaks down income, expenses, and net by member, with a shared-expense attribution breakdown so each person can see what their fair share is. Member filter dropdown across all reports.

Setup Wizard onboarding: New users get the Household question right inside the Setup Wizard, with the three modes laid out and inline member setup (name, short label, color, emoji) plus a contribution rule with plain-English explanations under each option. The Review step includes a Household summary card so you can confirm your choices before saving. Re-running setup is fully additive: existing members are updated in place, rows you remove inside the wizard are never deleted from the database, and your member attributions on transactions and budgets stay safe.

Tags: Flexible Cross-Cutting Labels

Tags are a secondary organizational layer that works alongside (not instead of) your normal categories. Where categories answer "what type of expense is this?" (Groceries, Utilities, Medical), tags answer "what else is true about it?" Reimbursable business expenses, tax-deductible spending, vacation budgets, project costs, health-related, anything that cuts across normal categories.

Default tag library: Click "Create Default Tags" in Settings > Tags to seed your library with three groups:

• Tax: Taxable Income, Non-Taxable Income, Tax Review Needed, Medical Deductible, Charitable, plus other deduction categories.
• Business: Business Expense, Reimbursable, Client Project, etc.
• General: Health-Related, Travel, Subscription, and more.

Custom tags carry name, color, emoji, group assignment, and an optional description. Tags can be deactivated without losing their historical use on transactions, and you can edit any tag's appearance and group at any time.

Where Tags surfaces:

• Transactions page: A Tags filter appears in the filter bar when tags exist (multi-select with OR logic). The Add/Edit Transaction modal includes a Tags field; tags display in the table's Tags column.
• Per-split tagging (Advanced mode): individual splits within a transaction can carry their own tags. A single Costco transaction split across Groceries and Supplies can have one line tagged #business while the other is tagged #reimbursable.
• Tag Summary report: Income and expenses per tag, with transaction count, average size, and largest transaction per tag. Summary cards show your top tag by spend, most-used tag, number of tags with activity, and your overall tagging coverage percentage. Unused tags surface separately.
• Tax Summary report: Tax-specific. Classifies income as taxable or non-taxable based on tax tags, groups deductions by tax tag with deduplication (each transaction counted once even if it carries multiple tax tags) and overlap detection, and surfaces a Review Queue of unclassified income or transactions needing tax review.
• Filter dropdown across all reports so you can run any report through a tag filter (and combine it with the household member filter for questions like "How much of Sarah's expenses were tax-deductible?").
• CSV and Excel exports include tags as a comma-separated Tags column (and per-split tags in split-row exports).

v1.5 brings Tags to full polish: the entire Settings > Tags tab is now fully internationalized across all 8 supported languages, including all toasts and confirm dialogs. The Add/Edit Tag form also now uses the same categorized emoji picker as the setup wizard's category picker, with searchable 18-category coverage. And we fixed a quietly painful issue where Settings > Export Data was silently dropping every tag column from CSV exports.

FIRE Planning: Rewritten From the Ground Up

The FIRE projection engine has been completely rewritten as a two-phase model that correctly switches behavior at your target retirement age.

Pre-FIRE works the way it always did. Post-FIRE properly stops adding savings, runs a signed cashflow of (Social Security + Post-FIRE Income) - Gross Expenses, and either invests the surplus or withdraws the deficit. When a withdrawal exceeds the balance, the unfunded gap is tracked as a cumulative shortfall instead of clamping silently at zero.

Every row in the projection table now has an info-circle button that opens a modal explaining the exact math behind that year's number. Phase indicator, the actual formula used for that row in plain language, inputs at 2-decimal precision so the math reconciles to the displayed number, and a mode-behavior block explaining Real vs Nominal. You can verify any row line by line.

The Monte Carlo dashboard also gains a new Today's $ / Future $ toggle so the eye-popping nominal figures (a $174M nominal at age 100 is really $31M in today's purchasing power after 70 years of 2.5% inflation) can be viewed in current purchasing power. Today's $ is the default, matching mainstream FIRE planning convention.

Real-Dollar mode is now also consistent end to end, and the Coast FIRE math now correctly discounts by the real return rate, which fixes a long-standing case where Coast FIRE targets could be understated by half on long horizons.

Cash Flow Center & Yearly Trends: Full Excel and PDF Exports

Both pages now get a green Export dropdown with Excel and PDF options, matching the visual style of the existing Balance Sheet exports. The Cash Flow PDF includes a branded SavePoint header, summary cards, all four chart images (Cash Flow Trend, Top 5 Categories, Income vs Expense, Budget vs Actual), and Income Sources and Expense Categories tables that line up vertically across the page in either year or single-month mode. The Yearly Trends PDF mirrors the on-screen layout (salary breakdown, income, expenses grouped by subcategory, net cashflow, spending breakdown) plus six summary cards, a captured chart, and a year-over-year table that auto-orients landscape when four or more years are visible. Excel exports keep numbers as numbers (sortable, sumable) with currency formatting pulled from your primary currency setting, plus frozen header and first columns. Charts are captured with theme-independent colors so legend labels stay readable in either light or dark mode.

Compensation Tracking: Job End Dates & Multi-Role Support

Base salary entries can now carry an optional end date to mark when a job actually stops (quitting, retiring, layoff) instead of having the entry run forever until superseded. A new End Job quick action on active rows opens a date picker, and the calculation engine respects the end date so a half-year job at $120k now shows $59,506.85 in actual prorated earnings instead of $120,000.

The compensation calc now groups by (employer, job title) instead of just employer, so parallel roles at the same company are tracked independently instead of having one entry silently dropped from the year total. When you add a new entry with a different job title at an employer where another entry is still active, SavePoint asks "I got promoted" or "I picked up a second role". Case-insensitive matching prevents phantom employers from typos.

Notes on Balance Entries

Every daily balance can now carry an optional free-text note like "Statement balance" or "Adjusted for pending transfer". The Edit Balance modal has a Notes textarea, the Recent Balance History and View All Account Balance History modals show a Notes column with hover-to-expand truncation, and CSV/Excel import treats Notes as an optional 4th column with auto-detection of common header names. Both the Balance Sheet page Export and Settings > Export Daily Balances now include a Notes column as well.

Trial-to-Paid Import

If you've been using the SavePoint trial and decided to upgrade, the full version can now import your trial database directly from the login screen. A new Import from Trial Version button appears on fresh installs once your license is activated. Auto-detection (with a file picker fallback), preview of what will be imported, automatic backup of your current database, and full schema validation via a staging file with SQLite integrity and foreign key checks before touching your real database.

Other Improvements

FIRE Scenarios: Scenarios now route through the same canonical projection and Monte Carlo engines as the main plan, so per-scenario MC numbers are directly comparable to the main MC tab. Per-scenario SWR overrides, Edit and Duplicate actions, a Plan column, and an Advanced Overrides section with five inputs that inherit from the parent plan when left empty.

Settings > Household: The full Household tab content is now internationalized across all 8 supported languages, matching the Tags i18n work described above.

Transactions: Search now matches notes in addition to description, payee, category, account, and amount. Reset All Filters now clears Owner and Tag. Edit Mode keyboard shortcuts (Ctrl+S, Ctrl+A) respect Caps Lock and Shift.

Database filename: Standardized to savepoint.db for new installs. Existing users are silently migrated from the legacy savepoint-dev.db via copy-and-atomic-rename on first launch. The original file is never touched, so you always have a natural backup.

Looking Ahead

We're already collecting feedback on the next round. macOS support for the trial is high on the list, and there is a small batch of additional FIRE refinements (and a few often-requested reporting tweaks) lined up for the next release. More details soon.

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As always, if you run into any bugs or have ideas for how SavePoint can work better, we'd love to hear from you. Drop a comment below, message us on Discord, or use the contact form on the website. We read everything and respond personally.

Thanks again for your support and for being part of this journey.

Talk soon,
The SavePoint Team