Kura

Was sich geändert hat

Kura wird laufend aktualisiert – keine Versionsnummern, nur Daten. Die neuesten Änderungen stehen oben.

  • NeuTyping a note on a new expense or income offers the notes you have already written — the chosen label’s first — and picking one fills it in, along with the category it was filed under last time, unless you already chose one.
  • NeuIn Reports → Labels, each line of what the money went on now shows the day of every expense on it.

  • NeuReports has a Months tab: the whole year as a grid, every category by month, with what happened, what the budget planned and what recurring payments still have scheduled — totals, the net, and each month’s closing balance at the foot, and a CSV of it all.
  • NeuEvery account opens into its history: press its name in Accounts to see each movement in and out — transfers included — with the balance after it. Money you have lent also shows what was lent, repaid and is still owed, with buttons to record another repayment or lend more.
  • NeuA loan’s money is named for what it is — “Repayment from Esther”, “Lent to Esther” — in recent activity and on Transfers, and Income mentions what came back on loans beside its total, without counting it as income.
  • NeuRecords on Expenses and Income show their labels beside their name. Press one to see everything else with that label.
  • NeuIn Reports → Labels, each category under a label opens into what the money went on, taken from each record’s note: three purchases noted “Aquaplast” become one line, with how many times and how much.
  • NeuAn asset can be paired with the loan it was bought with or the mortgage on it. The asset then shows your equity in it — what it is worth less what is still owed — and how much of it is borrowed, and the loan says what it is against. Net worth does not change: it already counted both.

  • NeuImport recognises exports from YNAB, Mint, Monarch, Copilot, PocketSmith, Toshl, Spendee and Wallet — and Kura’s own — and sets the columns for you. When a file holds several accounts, you choose which one goes into the account you are importing into; the rest are left out, to import into their own accounts.
  • NeuA Bills panel on the dashboard lists what is waiting to be recorded, what is due in the next two weeks and what was recorded this month, each with its total. It reads your recurring payments, including card and loan repayments.
  • NeuSet a balance alert under the forecast on the dashboard: an amount your spendable money should not go below. The forecast draws it as a line, and when what is scheduled would take you under it in the next 30 days, the top of the dashboard says when and why.
  • NeuFilter Expenses or Income to one account and each record shows the account’s balance after it, counting everything on that account. It is left out where it cannot be worked out reliably, and the page says why.
  • NeuTick records on Expenses and Income to see what they add up to. Hold Shift to tick a whole stretch.

  • NeuExpenses and Income can save a search: the text, the filters and the period, under a name. Saved searches sit under the search box, one press away, and any of them can be shown on the dashboard with its total for its period.
  • NeuA new Categorise page sorts out everything still in Other. Records are grouped by merchant, so a whole group can be filed in one go, and the same choice can be kept as an import rule for later files. Your existing import rules can also be applied to what is already recorded, in one press. Nothing you have already filed is changed.
  • NeuTransfers links to a check of all your records for duplicates and one-sided transfers. It lists the same amount recorded twice on one day in one account, and money that left one account and arrived in another but was recorded as spending and income. You can remove a copy, make the pair one transfer (both balances stay as they are), or say they are different, and the page remembers.

  • NeuA new vault gets a Getting started list on the dashboard: six first steps, ticked as soon as the thing exists, with a count and a way to close it for good.
  • NeuPortfolio’s comparison with the market can set up to three indices beside your portfolio at once — the S&P 500, the world and US bonds to begin with. Each has its own card, with the return over the period and on the last day, and its own line on the chart.
  • NeuThe month-by-month chart in Reports can show the net instead: what each month left over, or took from savings.
  • NeuEach person can have a budget of their own. Choose a person in the profile switcher and Budget shows theirs, measured against their part: their own records in full and their share of anything marked split on a shared account — half the joint weekly shop, not all of it. Everyone still shows the household’s budget against everything. An empty month offers to start from the household’s budget. The dashboard’s budget panel and the year and decade views follow the same choice.
  • NeuA whole account or a whole category can be hidden from reports — a business account, or money that is not really the household’s spending. Tick Hide from reports when editing the account, or the category in Settings. Its records stay in the lists, the search and the CSV, marked with why they are left out, and an account’s balance still counts in net worth; they are simply kept out of reports, the budget and every total.
  • NeuExpenses, Income and Transfers can be filtered by goal, once a goal is measured by the records linked to it. Finished goals are in the list too, so you can look back at what went into one.
  • NeuAn import rule can link the rows it matches to a goal, under More conditions and actions: the transfer to savings every month counts towards the flat without picking it each time. A goal a rule links to cannot be deleted, only archived, and an archived goal stops collecting new rows.
  • NeuGoals and the debts panel on Accounts now say on the page that their dates and monthly figures are estimates, not a promise and not financial advice.
  • NeuA buy or a sale in Portfolio can say which account paid. For a holding kept in an account, choose Paid from (or Paid into, for a sale): its own account is the default and moves no balance, while any other account in the same currency records a transfer between the two with the trade. Deleting the trade removes that transfer too. The history shows where the money came from or went.
  • NeuLife events on the Projections chart can be dragged to another year. Pick one up from the row of diamonds above the chart and the wealth line follows as you move it; or select it and use the arrow keys, a year at a time. The event list updates with it.
  • NeuProjections can compare up to three saved simulations at once, not just one. Each is drawn in its own colour, shown on its Compare button and beside its reading under the chart, and keeps that colour when you stop comparing another.
  • NeuA recurring rule can be split between categories, the same way as a single expense: choose Split between categories in the rule and give each part an amount. Every record it posts carries the same parts, the budget counts what is still to come under each category, and the rule is listed by all of them.
  • NeuThe CSV export has a new last column, needs_review, marking the records still waiting for you to look at them.
  • NeuLife events now appear on the Projections wealth chart: a small diamond and a dotted line on the year each one starts. Point at that year, or arrow to it, and the readout names the event and its amount. Events that start after the last year drawn are counted under the chart rather than left out silently.
  • BehobenProjections labelled every year one year early. Twenty-five years from 2026 read as 2050 beside an age 25 years older, and an event the list placed in 2029 landed on the point marked 2028. The years now match the ages and the event list. An event set to year 0 used to do nothing at all; it now lands in the first projected year, and new events start at year 1.

  • NeuGoals can be measured by the records you link to them. Choose “The records I link to it” when you make a goal, then pick that goal on a transfer, an income or an expense: transfers and income add to it, spending from it takes away. The card says how many records are linked. A goal with records linked to it cannot be deleted, only archived, so your exports always restore.
  • NeuAn import rule can split what it matches between categories by percentage — 70% groceries and 30% shopping for the supermarket, say. Set it under More conditions and actions when you write the rule; every matching row in this file and later ones is divided to the cent and filed under its largest part. The import preview shows every part a row will be written with.
  • NeuHoldings can say what they are exposed to — equity, bonds, mixed, cash, crypto, commodities or real estate — and the Allocation panel in Portfolio can group by asset class. Shares, bonds and crypto are classed from their type; a fund is left as Not classified until you set it in the holding, because Kura cannot see inside one.
  • NeuThe spending and income lists in Reports can be read by group as well as by category: switch to Groups and the categories add up into the groups you arranged them in, with anything no group holds in its own row so the totals still match.
  • NeuThe dashboard now says what happened since you were last here, when there is something to say: a new net worth high, the payments your recurring rules recorded, how many records are waiting for review and which categories are over budget this month. Close it and it stays closed until your next visit. Kura notes the day you last opened it to know where to start.
  • NeuPortfolio has a Gain or loss by position panel: one bar per position, either side of zero, with what it has made or lost against everything you paid into it and the percentage. A position with nothing recorded as paid in has no gain to show and is counted below the chart instead of being drawn as all profit.
  • BehobenEditing a holding no longer clears a note written for it elsewhere (by the assistant connector or the API).

  • NeuWhen the net worth line makes one big step that a single account explains — an opening balance corrected, a holding linked — the dashboard now says so under the chart: which account, and what its balance went from and to. It stays quiet when the step is spread over several accounts or when nothing stepped.
  • BehobenThe first and last labels along the bottom of a bar chart no longer hang over the edge of the chart when there are many bars; the two ends are pinned to the edge and the rest stay centred.

  • NeuThe Year and Decade views of the budget now include contributions. A new table sets what you planned to move into each savings, investment, loan or card account against what actually went in (net of anything taken out), over the months whose budget named that account and up to this month. Accounts that no longer take money are left out.
  • NeuGoals can be about paying a debt down. Choose Pay down a debt, pick a loan or card, and say how much of it to clear and by when. Progress is how much less you owe than the day you made the goal, so it moves by itself as payments are recorded; the card also says what you owe now and what to pay each month to finish on time. Interest that pushes the debt back up does not count against you — it just shows as no progress. A pay-down goal does not take any of an account’s balance, so it never competes with a savings goal.
  • NeuReports, Analytics and Labels can remember a period. Under the date range, Save this view gives the span you are looking at a name; it appears as a chip you can press to come back to it, and a cross removes it. A saved Last 12 months or This month still means that on the day you open it, rather than the dates it had when you saved it. Up to twelve are kept, in your profile, so they travel with an export.
  • NeuProjections can compare two plans. Press Compare beside a saved simulation and it is drawn as a dashed line beside your current plan, with a short reading underneath: how much more or less you hold at retirement (in today’s money) and how many years earlier or later each reaches financial independence — or that only one of them does. Life events also gain a One-off expense, money that leaves the portfolio for good: a wedding, a car, a roof. Saved simulations are now each labelled with their own scenario instead of the one on screen.
  • NeuThree more ways to narrow Expenses and Income in Filters: only records split between categories, only records a recurring rule posted, and only records on an investment account (shown once you have one). Merchants are already covered by the search box, which reads the bank’s own wording as well as your note. Records a recurring rule posted before today are not marked as such, so the recurring filter finds only newer ones.
  • NeuA record can be hidden from reports. Tick Hide from reports in the expense or income form for a one-off that would distort the month — a deposit that was refunded, a bill you paid for somebody else. It stays in the list (dimmed, and marked) so you can bring it back, and the account balance still counts it, but it is left out of every total, chart, budget figure and report. Filters has a Hidden records option to find them again.
  • NeuRecords can be flagged Needs review. Tick it in the expense or income form, or let an import do it: a row that no column or rule filed anywhere now arrives flagged instead of passing as a deliberate “Other”. Flagged records say so in the list with a tick to mark them reviewed, and the Filters panel has a Review filter that shows only them. Changing the category does not clear the flag — you do.
  • NeuOne expense can be split between categories. In the expense or income form, choose Split between categories and give each part an amount — half groceries and half household for one supermarket shop. The parts have to add up to the amount, and Kura tells you how much is left as you type. Each part counts under its own category in the budget, Reports, Analytics and the dashboard, the filter finds the record under any of them, and the account still moves by the whole amount. The CSV export has a new last column, splits, and the API and the assistant connector accept the same.
  • NeuPrices can refresh themselves. Turn on the Daily prices switch beside Refresh prices in Portfolio (or choose “Once a day, when I open Kura” in Settings). It runs at most once a day, only if something is out of date, and sends only the symbols of your holdings — it is off unless you turn it on, and it needs Kura to be open.
  • NeuGoals can share an account. An emergency fund and a holiday can both live in the same savings pot: give each goal a fixed share of the balance instead of all of it. Each goal is shown only what is really there — never more between them than the account holds — and if the balance falls below what was set aside, Goals says which account is short and by how much.
  • NeuThe budget has a Contributions section for money you mean to move to another account. Plan how much goes into a savings or investment account (save up) or a loan or card (pay down), and see how much has actually moved this month. It is not spending, so putting money aside never makes the month look overspent — but it does come off what is left to budget, so saving competes for the same income as everything else.
  • GeändertThe account picker on Portfolio now looks like the other account pickers: each account shows its own icon, the chosen one is ticked, and it works from the keyboard.
  • GeändertA holding that sits inside an account now moves that account’s balance when it is revalued. A price refresh, a manual revalue or an edit that changes only the value adds the difference to the balance, so net worth follows the market and the account’s cash stays what it was. Buying or selling, or changing the number of units, does not move the balance.
  • GeändertWhen holdings linked to an account are worth more than the account’s balance, the dashboard now says what that means instead of only showing a red negative cash figure: net worth counts the balance, so the holdings are not in it until the balance is raised to include them or they are unlinked.
  • BehobenSplitting an expense between categories: the cross beside a part now removes it (taking away the second-to-last part goes back to a single category), the Account field no longer shrinks to half width while splitting, and on a phone each part stacks its category above its amount.
  • BehobenHovering near the left or right end of a chart no longer makes the page scroll sideways. The readout now stays inside the chart it belongs to.

  • NeuBudget can be read a year or a decade at a time. Switch from Month to Year to see every month of the year — what was planned, what was spent against it and what is left — with the same figures by category, or to Decade for year by year. Only months that had a budget are compared, so a year you only started budgeting in September is not shown as overspent, and months to come are left out. Categories planned by the year are kept apart, and nothing is shown if the spending could not be read in full.
  • NeuImport rules can do more than set a category. Under “More conditions and actions” a rule can apply only to spending or income, only to the account you are importing into, or only between two amounts — small Bizums are coffee, big ones are rent — and it can rename what it matches and add labels. The bank’s own words are kept alongside the new name. The preview says what each part would change before you save it, and Settings lists every rule in full.
  • NeuRecurring has a calendar. Switch from the list to see the month by day — what lands when, what is still to come, what has been recorded, and anything that came round without being recorded. Open a rule from its day to change it. Paused rules are left off and counted.
  • NeuEach account now says how much it moved over the last month — “+€1,678.00 since 10 Sep” — and the dashboard says the same of each group’s subtotal. It is measured from the nearest day Kura recorded about a month back, and that day is printed. An account added since, or held in another currency, shows nothing rather than a figure that would mean something else.
  • GeändertSign-in, sign-out, deleting the account and managing tokens and connected apps now only accept requests that come from Kura’s own pages. The app was also moved to a newer Next.js release that fixes several serious security issues in the framework.
  • GeändertAn imported entry now keeps the bank’s own description separately from your note. Rewrite the note to whatever you like — “for mum’s birthday” — and the payment still counts under the shop the bank named, in who you paid most and in the recurring payments Kura spots. Editing the entry shows the bank’s words under the note, search finds either, and the export carries them as a column of their own.
  • BehobenA sale of more units than you hold is now refused instead of recorded. Selling 99 of 15 used to wipe the position and book a loss of nearly everything paid in; the trade form now says how many you hold on that date, and the connected assistant is told the same. Trades already recorded this way keep working.
  • BehobenRecords added through the API or a connected assistant must now be on a day that exists — 30 February is refused — and in a category that is really in your vault for that kind of record, not an id nobody can label.
  • BehobenPressing Sign in or Create account before the page has finished loading can no longer put the password in the address bar; credential forms now post rather than get.
  • BehobenTyping an amount is stricter about what it reads. “1e9” or “0x10” is now refused instead of becoming 19.00 or 10.00, and so is a figure too large to be held exactly. Projections no longer treat every currency as having cents, so an amount entered in yen is no longer a hundred times too large, and a decimal typed into a whole-unit field is no longer read as extra zeros.
  • BehobenOpening the CSV export in a spreadsheet can no longer run a formula hidden in a bank description or a note. Text beginning with =, +, - or @ is now marked as text.
  • BehobenRecording a buy or sell through a connected assistant no longer leaves the position showing a loss it does not have. The holding’s value now moves with the number of units at the last price Kura had for it, until the next price refresh brings it to today’s.

  • NeuWhile you write a rule on the import screen, it now says what the rule would do before you add it: how many rows in the file match, which ones would change category, and why any others would not — an earlier rule already deciding them, the row going the other way, or the row already being in that category. A rule is kept and applied to every file after this one, so its effect is worth seeing while it can still be changed. Nothing already recorded is touched.

  • NeuEach flexible category’s bar on the budget now carries a small mark at where it would be today if the month were spent evenly, and says so in words when you are ahead of it: “€40 ahead of pace”. A bar 60% full means discipline on the 25th and trouble on the 5th, and the mark is what tells the two apart. Fixed costs get no mark — rent leaves on the 1st and would look early all month — and neither do categories you have not sorted yet.
  • NeuMoney lent now has two buttons of its own: record a repayment, and lend more. Each opens a transfer with the loan already filled in, so the money moves between your accounts instead of being counted as income or spending — and the amount still owed goes down or up right there on the page.
  • GeändertWhere the money went, on Reports, is a new chart. Income on the left flows into one total, then through your own category groups into each category — and into what you did not spend. Every band is labelled with its amount and share, the ribbons grow in when the page opens, and pointing at any ribbon lights its whole path from the income that paid for it to the category it ended in, with the exact figure beside it. It can be walked with the arrow keys as well.
  • GeändertHow much of a loan has come back is now worked out from everything that ever moved in and out of it, so it keeps counting when you lend more later: “€1,000 of €3,000 repaid”. Anything you give up on and record as spending from the loan is shown as written off rather than repaid. If the records do not add up exactly to the balance, it says nothing rather than guess.

  • NeuA new kind of account: money lent. Somebody owes you €2,500 — add it with what they owe today, and each time some comes back record a transfer from it into the account the money arrives in. It is not income, because the money was already yours, and your net worth does not move when it is repaid. The account list shows how far through it is, “€1,000 of €2,500 repaid”, and the dashboard gives it its own line: owed to you.
  • NeuMoney lent can say who owes it, when that is somebody in your household — without becoming their account. The loan to your partner is still yours, so it stays in your column. Anyone else is named by the account itself.
  • NeuThe budget now says how much of what is coming in this month has not been given a job yet — income, minus everything you planned. It is the one number a list of categories never answers: €300 for groceries and €900 for rent says nothing about whether the plan fits inside what you earn. It moves while you type, so you can assign until it reaches zero.
  • NeuIncome a recurring rule says is still to arrive counts towards it, and the page tells you how much of “coming in” that is. Opened on the 2nd, a whole month’s plan would otherwise be measured against two days’ pay.
  • GeändertA month with no income and none scheduled shows a dash rather than calling your whole plan a deficit. Money carried over from last month is not counted again either: it was paid for by last month’s income, and turning carry-over on should not change how much of this month’s is unassigned.
  • GeändertOn a recurring transfer, the account the money goes into is chosen the same way as the one it leaves: with its bank’s mark beside every option, and the full name rather than one cut short.
  • BehobenChanging the account a recurring transfer leaves from, to the one it was going into, no longer saves a transfer from an account into itself. The destination is now picked again whenever the old one stops being a valid choice.

Die Einträge unten sind auf Englisch, der Rest von Kura nicht. Die Seite drumherum ist übersetzt; die Einträge sammeln sich mit jeder Version an, und eine Liste, deren neuere Hälfte englisch und deren ältere deutsch wäre, wäre schwerer zu lesen als eine, die ehrlich durchgehend englisch ist.