Release Notes - v1.10.0

[christian...@gmail.com]

WealthSnap v1.10.0 – Release Notes

Release Date: February 16, 2026 Build: Version 1.10.0 (Feature Release)

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🏥 Financial Health Card

• New Home Screen Dashboard: A dedicated card at the top of your Home Screen to track your key financial vitals.
  • Interactive Views: Swipe between specialized views for Health Metrics, Net Worth, and Total Assets.
• Financial Health Details: A comprehensive deep-dive into your financial trajectory.
  • Financial State Analysis: Tracks your "Stability Runway" (months of survival without income) and projects a specific "Liquidity Date".
  • Spending & Cash Flow: Monitors your "Net Flow" and "Spending Trend" baseline to calculate the real-world Impact on Self-Sustain (months added/removed from your Self-Sustain date per year).
  • Debt Pressure: Identifies your "Mandatory Payment" lock and "Interest Cost" drag. Shows how much Debt Delays Self-Sustain in years.
  • Wealth Growth: Visualizes "Self-Sustain Acceleration" from investments
• Advanced Net Worth Tracking:
  • Conservative Projections: Net Worth accounts for current principal plus projected future interest for a "True Cost" view.
  • Liabilities Breakdown: Clear visibility into mandatory obligations vs. discretionary cash flow.

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💸 Debt & Loan Management

• Comprehensive Debt Form: Easily track all your liabilities including Loans, Credit Cards, Mortgages, and IOUs.
• Detailed Payment Breakdown: View a complete amortization schedule table showing Principal, Interest, and Remaining Balance for every month of your loan term.
• Smart Calculations:
  • Auto-Calculate Min Payment: Automatically computes monthly payments based on interest rate, term, and interest type (Fixed, Variable, Flat, None).
  • True Cost Metrics: Your Runway and Safe-to-Spend now account for mandatory Debt Obligations (Min Payments), giving you a more conservative and realistic view of your financial health.
  • Accurate Savings Rate: Your "Savings Rate" trend now correctly factors in debt repayments as expenses (without double counting), giving you a true picture of your net saving capacity after all obligations.
  • Interest Types: Support for various interest calculation methods to match real-world scenarios.
• Smart Transaction Strategy: WealthSnap now asks "Did this money enter your account?" after saving a debt. This helps you correctly handle scenarios like direct vendor payments (e.g., renovations) without inflating your cash balance.
• Improved Debt Card:
  • Monthly vs Total Views: Swipe between lifetime debt totals and current month's activity.
  • Monthly Obligations: See a clear breakdown of your total required minimum payments vs what you've actually paid this month.
  • Smart Tracking: "Repaid" tracks principal reduction via transfers, while "Interest" tracks expense cost separately.
• Dedicated Debt Screen:
  • Active Debts: View all your active loans and liabilities in one place.
  • One-Tap Payment: Quickly record payments with a single tap.
  • Smart Split: Automatically splits your payment into Principal (Transfer) and Interest (Expense) based on your loan terms.
  • Linked Transactions: Deleting the principal payment automatically removes the associated interest record to keep your history clean.

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📅 Planning & Projections

• Start Date Support: Set a specific start date for your loans to accurately project future payments and payoff dates.
• Copy Schedule: Ability to copy the entire payment breakdown table to your clipboard for external analysis in spreadsheets.

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🙋 Support & Community

• Contact Developer: Added a direct link to reach the developer on Twitter for feedback, feature requests, or just to say hi. Accessible from the About WealthSnap card in your Profile.

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Previous Version: 1.9.0

Package: com.christian.soyosa.WealthSnap