RELEASE NOTESAll notable changes to this project will be documented in this file. The format is based on [Keep a Changelog](https://keepachangelog.com/en/1.1.0/), and this project adheres to [Semantic Versioning](https://semver.org/spec/v2.0.0.html).
Changed
- The new-investment form now autofills the current value from the invested amount as you type, so you no longer enter the same number twice for a fresh lump-sum position. The field stays editable — type your own value and it holds.
- Completing an investment now sets its current value to the exit value, so a realized position reads back the amount it was closed at.
Added
- Estimated closure date for investments. Investments now carry an optional estimated closure date that can be set when creating an investment, changed later from the edit screen, and is shown on the investments list.
Added
- Overdue section on EMI, DPS, and Savings detail pages. Unpaid past-due payments now surface in a dedicated section above the amortization or deposit schedule so late items are visible at a glance.
- Upcoming DPS deposits on the Home dashboard. Scheduled investment deposits appear alongside EMI payments in the Upcoming rail, sorted by due date, each linking to the relevant DPS or EMI detail page.
Changed
- Consolidated action menu on detail pages. The inline edit pencil and bottom edit/complete/delete buttons on EMI, DPS, and Savings detail pages have been replaced by a single dropdown menu in the top right. Escape closes the menu and returns focus to the trigger.
- Home layout — the allocation chart now sits above the upcoming payments list.
- EMI principal-vs-interest donut is now placed beside its legend for a tighter layout.
Fixed
- Same-day due dates no longer flip to overdue at UTC midnight. The Home upcoming list compares date-only due dates by day rather than timestamp, so items due today stay "due today" regardless of the user's wall-clock time relative to UTC.
The headline change is Bangla language support — Phinio now ships a fully bilingual UX with native Bengali numerals, the natural fit for its BDT-default audience. Alongside that, offline/sync feedback moved out of the page flow so saving no longer shifts the layout.
Added
- Bangla (বাংলা) language throughout the app. Every user-visible screen — auth, dashboard, investments, EMIs, DPS, savings, activity, profile, notifications, withdraw flows, and the landing page — is translated. Currency, dates, percentages, counts, and relative times all render with native Bengali digits in Bangla mode (e.g. ৳১,২৩,৪৫৬.৭৮, ৬৮.২১%). Currency codes like BDT/USD stay verbatim as ISO codes.
- Language switcher on the landing page. Unauthenticated visitors can flip between English and Bangla from the landing nav before signing up; the choice persists via cookie. Authenticated users continue to set their preferred language from the profile page, which also saves it to their account.
Changed
- Offline and sync state now appear as toasts instead of a top banner. The errored / offline / syncing indicators overlay the page rather than insert into document flow, so saving no longer pushes content down. The "Syncing…" toast is also debounced so fast online saves don't flash it.
- PWA `start_url` is now `/app`. Launching Phinio from the home screen drops you straight into the app shell instead of the landing page.
- Removed the background blur effect on landing page decorative elements.
Fixed
- Currency, percentages, and relative time strings (e.g. "5 minutes ago", "99+" notification badge) that previously rendered with Latin digits in Bangla mode now correctly use Bengali digits across all browsers.
- Various delete/complete confirmation dialogs that briefly lost their entity name (e.g. "Delete X?") and installment counts after the initial translation pass now interpolate the name and count correctly.
- Edit/save no longer causes a brief layout shift, even when the sync indicator briefly appears.
Added
- Clear read notifications. A new "Clear read" action in the notification panel deletes notifications you've already read, leaving only unread items behind. Sits alongside "Mark all read" and only appears when there are read items to clear.
Added
- EMI processing fees. Capture an optional one-time processing fee when creating an EMI. The detail view shows it as a separate "Processing fee" line alongside a "Total cost" figure, and the fee is excluded from progress, remaining balance, and the principal-vs-interest donut so existing aggregations stay accurate.
Fixed
- Dashboard stats, upcoming payments, and the activity feed now refresh immediately after editing an EMI or DPS — previously these views kept showing stale labels until their cache expired.
- Top and bottom navigation bars now match the mobile browser's theme color, eliminating the visible seam against the browser URL bar.
Day-of payment reminders, notes on every loan and savings vehicle, and a refreshed landing page.
Added
- Due-today reminder. A dedicated notification fires on the actual due date for each EMI installment and DPS deposit, distinct from the earlier "due soon" advance reminder. Each payment now produces up to three notifications across its lifecycle — due soon (3–1 days out), due today, and overdue — with no duplicates.
- Notes on EMIs. Add a free-form note when creating an EMI (lender, account number, or any context). The note is editable later from the EMI detail screen along with the label.
- Notes editing for DPS and savings. The DPS and savings detail screens now expose a notes field in their edit panels. Existing notes are shown as a read-only section when not editing.
Changed
- Landing page. Refreshed hero, features, "How it works", and final-CTA copy across the marketing page; sharper, more concrete language. Header and footer logos are now clickable and link to home with a focus ring for keyboard navigation.
- Repository docs. Moved
Phinio_PRD_v1.md, OFFLINE_PLAN.md, and TASKS.md into docs/, added a deployment walkthrough at docs/DEPLOYMENT.md, an MIT LICENSE, and a CONTRIBUTING.md with the project's per-query authorization, money-handling, and offline-first contribution rules. Not visible inside the app.
Phinio now works offline. Reads survive a reload without a network, writes queue locally and replay automatically when you reconnect, and new EMIs render their full amortization schedule the instant you tap "Create" — even on a flight.
Added
- Offline reads. Dashboards, investment lists, EMI schedules, and activity stay visible across reloads with no connection. Cached data is kept for up to seven days and falls back to in-memory cache if the browser blocks persistent storage (Safari Private Browsing, full disk).
- Offline writes. Tapping Add, Save, Delete, or Mark paid offline no longer fails — the change is queued locally and replays the moment the network returns. A top banner reads "You're offline. Changes will sync when you reconnect." while disconnected, and "Syncing N changes…" while the queue drains. Each queued change carries an idempotency token so a flaky reconnect cannot duplicate writes.
- Offline EMI creation with full schedule. Creating an EMI without a connection renders the entire payment schedule immediately. You can open the EMI's detail page and mark individual payments paid offline; every step queues and replays in order on reconnect.
- Optimistic deletes. Deleting an investment, DPS, savings pot, or EMI removes the row instantly — no waiting on a round-trip. If the eventual sync fails, the row is restored automatically.
- "Edit overwritten" reconciliation. When two devices edit the same investment, the loser now sees a "Your edit was overwritten by a newer change — refreshing the latest" toast and the latest server state, instead of silently clobbering the winner.
- Offline app shell. Cold-loading
/app without a network now boots from a cached shell and hydrates from local storage instead of showing a connection error.
Changed
- \*\*EMI remaining balance now reflects principal owed, not principal - remaining interest.\*\* The "Remaining" figure on EMI list rows and the dashboard's "Net worth" calculation previously summed every unpaid installment (which includes interest), over-stating the outstanding liability. Both now use the next-unpaid payment's principal-payoff figure.
- Cross-account safety. Signing out wipes the persisted offline cache, and signing in as a different user on the same device clears any stale data and queued writes from the previous session before resuming.
Fixed
- Concurrent duplicate submissions of the same change (e.g. a double-tap on a slow Save) no longer error — the second attempt recognizes the first as already-applied and returns the same result.
- Withdrawal balance checks no longer rely on floating-point math, so exact-value withdrawals close the position correctly instead of leaving fractional residue.
- Filtered EMI lists no longer briefly show a newly-created EMI in the wrong tab while the offline queue is still pending.
- Backend errors during route guards no longer mask as "you're offline." A real 500 now surfaces as a route error; only genuine network failures fall back to the cached identity.
Changed
- Tab navigation renders instantly. Switching between dashboard, investments, EMIs, and activity no longer freezes on the previous screen while data loads — the new tab mounts immediately and its existing skeleton states cover the fetch. Cached tab data also stays fresh for five minutes within a session, so repeated taps don't re-fetch.
Fixed
- Failed fetches now show a retry, not endless skeletons. If the dashboard, investments list, EMIs list, or activity log can't reach the server and has no cached data, you'll now see a "couldn't load" message with a Retry button instead of perpetual loading shimmer. When cached data is already on screen, a background-refetch failure leaves the existing data in place.
Sharpens the numbers Phinio shows you for EMIs and DPS — what you owe, and what you've earned, now reflect reality more directly. Plus a couple of quality-of-life touches on the EMI detail page.
Added
- EMI detail — Total row. The principal-vs-interest breakdown now shows a "Total" row beneath it so you can see the full lifetime cost (principal + all interest) at a glance.
- EMI detail — selectable donut legend. Tap the Principal or Interest pill to highlight just that segment of the donut; tap again to clear. Same interaction as the dashboard allocation donut.
Changed
- EMI "remaining balance" now reflects the full unpaid payoff. The figure on EMI cards, the detail page's headline, and the dashboard's aggregate EMI balance now sum the
emiAmount of every unpaid installment — i.e. the total principal + interest still owed over the remaining term. Previously it showed the schedule's running balance after the next payment, which was effectively off by one installment's principal. - DPS "interest earned" now tracks what you've actually earned. Instead of showing a fixed projection of total interest over the full tenure, the number grows as you pay each installment — computed as the accrued value at the last contiguously paid deposit, minus the principal you've put in. Deposits paid out of order don't contribute until the gap is filled.
Fixed
- Toast notifications no longer collide with the iOS status bar / Dynamic Island when the app is installed as a PWA — they now sit below the safe-area inset at the top of the screen.
Adds a public changelog page, a refreshed landing page, a selectable allocation legend on the dashboard, and a batch of UX polish — tap feedback on every interactive surface, a proper change-password modal, and snappier tab navigation.
Added
- Public changelog — a new
/changelog page lists every release's notes with version, date, and categorized changes. Linked from the landing-page footer. Rendered from CHANGELOG.md at build time so new releases appear automatically without any extra dependencies.
Changed
- Landing page refreshed — the hero now names DPS schemes, savings pots, EMI amortization, and push reminders. The features grid grows from four cards to six, covering unified portfolio, EMI amortization, net-worth dashboard, push reminders, activity history, and privacy. The "how it works" flow and footer copy are updated to match.
- Dashboard allocation donut has a selectable legend. Tap a type to highlight its slice on the donut and visually dim the others; dimmed rows stay tappable so you can switch focus directly between types. Tap the selected row again to clear.
- Change password opens as a dedicated modal instead of expanding inline on the profile screen, matching how the other confirmation dialogs work.
- Sign out row on the profile screen renders its icon and label in the alert red already used for destructive actions, so it reads clearly at a glance.
- Tap feedback everywhere — every button, link, nav item, bottom-tab pill, and form control now scales down subtly on press. The default mobile tap flash is replaced by this consistent squeeze animation. Respects
prefers-reduced-motion. - Tab navigation feels instant — the four primary tabs (dashboard, investments, EMIs, activity) now prefetch their default view on hover/touch, and back-navigation between screens hits the local cache instead of refetching. Mutations still refresh the relevant data.
- Installed PWA bottom clearance — every
/app/* page now reserves extra space below the iOS home indicator, so the bottom tab bar and sticky submit bars sit above the gesture handle instead of behind it. No effect on desktop or browser-tab mobile.
Fixed
- iOS Dynamic Island / notch overlap — when Phinio is installed to the home screen on iPhone, the TopBar and landing-page nav no longer sit behind the Dynamic Island.
env(safe-area-inset-top) padding pushes both below the cutout. No effect on desktop or non-PWA mobile.
Fixed
- Service worker 404 in production —
dist/sw.js was being built by vite-plugin-pwa but never made it into .vercel/output/static/, so /sw.js returned 404 on the live site. No service worker ever activated, every navigator.serviceWorker.ready call hung silently, and the Payment reminders toggle would fire its success toast but the subscription never completed. A post-build step now copies the SW into Vercel's static output. - Activity log back button — the activity log screen is reached from the profile menu but was missing the TopBar back arrow. Now navigates back to Profile.
Changed
- Profile screen reorganized into three labelled groups: Preferences (currency, payment reminders), Account (activity history, change password, sign out), and Developer tools (load test data, clear all my data). Sign out now sits under Account as a row entry matching the rest of the group.
Fixed
- Payment reminders toggle no longer gets stuck off after successfully enabling. A focus-event race between the in-flight subscribe call and the hook's periodic sync could overwrite
isSubscribed back to false; the toggle now reflects the subscribed state immediately without needing a page reload.
Adds a user-facing activity log and replaces in-app reminder polling with real browser push notifications that arrive even when Phinio is closed.
Added
- Activity log — a new
/app/activity screen (reached from the profile menu) lists every user-initiated mutation across investments, deposits, withdrawals, EMIs, payments, and profile settings. Edit entries expand to show field-level before → after diffs. Money diffs record the currency in effect at write time, so historical entries always render with the currency the user was actually using. Infinite scroll loads 15 entries at a time as you scroll. - Browser push notifications — due and overdue EMI installments and DPS deposits now arrive as real OS-level push notifications, delivered even when the app is closed. Enable from a toggle on the profile screen or an inline banner in the notification bell; the bell popover shows a clear "blocked" hint when permission has been denied. A scheduled job sends reminders once per day.
- In-app test data — the profile screen gains a "Test data" section with a Load dialog (per-category toggles for lump-sum, DPS, savings, EMIs, plus an optional "wipe first" switch) and a Clear-all-my-data action that wipes every investment, EMI, deposit, withdrawal, and notification for the signed-in profile while keeping the account itself intact.
Changed
- Activity tab moved — removed from the bottom navigation (back to four tabs) and surfaced as a row on the profile screen.
- Notification bell is now a log of pushes that were actually sent, not a list synthesised on every open. Action notifications (EMI created, investment created, DPS created, withdrawal, DPS closed) no longer appear in the bell.
- Unmarking a paid installment on an auto-matured DPS now reactivates the scheme and records the reactivation in the activity log.
Fixed
- PWA install UI — corrected manifest icon sizes, split combined
purpose: "maskable any" icon entries per Chrome's recommendation, and added mobile and desktop screenshots so the richer install experience appears on both form factors. - No-op edits no longer produce empty "Edited …" activity entries when nothing actually changed.
- Assistive-tech announcements on expandable activity cards now correctly report their state via
aria-expanded and aria-controls.
Security
- Every mutating query now scopes by
profileId in its where clause, so a write cannot cross into another profile even if an id were somehow leaked.
Adds withdrawals across every investment type and corrects ROI math so realized proceeds are counted exactly once.
Added
- Withdrawals — record money flowing out of any investment without losing the original invested amount needed for ROI. Partial withdrawals on lump-sum and savings pots, premature closure on DPS schemes (with an optional bank-paid "received" amount that defaults to the latest accrued value). Full withdrawals automatically close the investment; partial withdrawals on scheduled DPS are not allowed, to avoid silently stranding a residual balance.
- Shared Withdraw modal opens from two entry points: a Withdraw link next to the Active/Completed tabs on the investments index (with a picker listing every active investment), or from the hero card on any investment detail page (pre-selected to that investment). The modal renders the correct form for the investment's mode — partial-withdraw for lump-sum and savings, premature-closure for DPS — and re-defaults the received amount when the user switches DPS schemes mid-modal.
- Seed script now includes three withdrawal scenarios (emergency-fund partial withdrawal, exited lump-sum closed via two tranches, DPS closed early after nine paid installments) so a fresh
db:seed has visible data for the new flow.
Changed
- The withdraw/close action now lives inside the hero balance card on every investment detail screen — DPS "Close prematurely", the savings-pot Deposit/Withdraw pair, and a new lump-sum hero card with current value + return % and an inline Withdraw button. Previously these actions were scattered below the page content.
Fixed
- Completed investments closed via withdrawal no longer show inflated ROI. For withdrawal-closed items
exitValue already equals total withdrawn, so the list view and investment card now use exitValue alone as the numerator instead of summing it with withdrawals — a break-even close (invest 10k, withdraw 10k) reads as 0% instead of +100%. - Dashboard gain/loss % now folds realized withdrawals into the ROI numerator, so a partial withdrawal on an active investment no longer appears as a loss. Allocation totals still reflect only the money still held.
Initial public release of Phinio — a mobile-first PWA for personal finance that tracks investment portfolios and manages EMI (loan and credit-card) amortization schedules.
Added
- Investments module with full lifecycle: create, edit, and delete lump-sum investments across stocks, crypto, FD, gold, mutual funds, Sanchayapatra, real estate, agro farm, and business categories. Active/completed tabs, a type filter, per-asset return % math, and an edit flow that reveals exit value + completion date when an investment is marked complete.
- DPS (Deposit Pension Scheme) support with scheduled monthly deposits. Full installment schedule is generated up front (simple or compound interest), live maturity preview in the create form, overdue badges on the deposit schedule, and automatic maturation when every installment is marked paid.
- Savings pots (flexible-mode investments) with ad-hoc deposits, an auto-created "Initial deposit" row when the pot is opened with a non-zero balance, and server-side syncing of
currentValue and investedAmount as deposits are added or removed. - EMI manager with bank-loan and credit-card types. Bank loans use reducing-balance amortization; credit-card EMIs use flat-rate interest to match how Bangladeshi banks handle card conversions. List, detail, and create screens, a principal-vs-interest donut chart, optimistic mark-paid on the amortization row, and cascade-on-delete of payment rows.
- Home dashboard with a net-worth hero, quick stats (invested amount with gain/loss %, monthly EMI outflow), upcoming payments within 30 days, an allocation donut grouped by investment type, and a welcome CTA when the account is empty.
- Persistent notifications keyed by
(profileId, dedupeKey) with idempotent inserts, a lazy syncDerivedNotifications pass that surfaces "payment due in ≤3 days" and "overdue" rows without a cron, plus a top-bar bell with unread-count badge, 5-minute background polling, mark-on-click, and mark-all-read. - Authentication via Better Auth: email + password signup with strict email verification (Resend-backed), auto sign-in after verification, a dedicated check-email screen, password reset, and a change-password flow in the profile screen.
- Profile screen with profile-photo upload, inline name editing, BDT/USD currency toggle, sign-out confirmation, and a dynamically displayed app version.
- Landing page — a scrollable marketing site with hero, feature cards, how-it-works, animated SVG icons, drifting ambient orbs, and a floating logo cluster, publicly accessible at the root even when signed in.
- Global app shell — a shared TopBar (logo on tab pages, back arrow on sub-pages, dynamic titles via context), a bottom tab bar that hides on form pages, and a global FAB menu with Investment / DPS / Savings Pot / EMI creation actions.
- PWA support — installable manifest, Phinio-branded icon set (favicon variants, apple-touch-icon, maskable Android icons), matching nocturnal theme colors (no white flash on launch), and a Workbox service worker with SSR-safe runtime caching for bundles, images, and Google Fonts.
- Branded transactional emails — fully inline HTML templates for verification and password reset, matching the Modern Noir palette, with Outlook VML fallback for the CTA button and plain-text fallbacks.
- Error handling and empty states — global
errorComponent and notFoundComponent with a back-to-home CTA, loading skeletons across list pages that mirror the final content shape, and sonner toasts on every mutation with optimistic rollback on error. - Reusable UI primitives —
Card, EmptyState, FAB, FilterPills, TextField, TextArea, ProgressBar, Skeleton, Logo, and a portal-based ConfirmModal for delete/sign-out confirmations. - Vercel integration — automatic
prisma migrate deploy on build, @vercel/analytics, and @vercel/speed-insights (LCP, CLS, INP) wired into the root document. - Seed script (
npm run db:seed) with realistic data covering all three investment modes plus EMIs. - Test suite — 118 unit tests (validators, currency formatting, investment P/L math, EMI amortization) plus 40+ PGlite-backed integration tests covering every server impl against a real Postgres, with zero mocking of Prisma or Better Auth.
Changed
- Unified investment schema — replaced the separate
Dps/DpsInstallment tables with a single Investment + InvestmentDeposit model supporting lump_sum, scheduled, and flexible modes. Server-side totals are kept in sync so list and dashboard queries never join deposits. - Server architecture — every server module is split into a thin
createServerFn wrapper and a sibling .impl.ts holding the Prisma and Better Auth access. Impl functions dynamically imported from handler bodies keep Prisma, the pg adapter, and ~389 KB of Node-only code out of the client bundle, and make every handler directly testable. - Design system — swapped the TanStack starter tokens for the Modern Noir nocturnal palette (surface hierarchy, primary/secondary/tertiary, outline-variant, Inter + Manrope), carved inputs, and glassmorphism. The app is dark-only with no theme toggle.
- Documentation — rewrote the README with Phinio-specific features, tech stack, getting-started guide, env reference, project structure, and deployment notes. Rewrote the PRD to v2.0 to match the shipped schema, screens, notification system, and PWA config.
- Notifications backend switched from
DpsInstallment to the unified InvestmentDeposit model. - Pinch-to-zoom restored on mobile (removed
user-scalable=no). - Internal — Prettier formatting pass across legacy config, docs, and mockup files;
.vercel build output ignored in ESLint and git; ESLint dev dependency added; missing @opentelemetry/api peer dep for Better Auth added; .npmrc with legacy-peer-deps=true to unblock Vercel installs while vite-plugin-pwa catches up to Vite 8.
Fixed
- Double input outline caused by a global
:focus-visible rule. noir-bg clipping box shadows due to overflow:hidden; net-worth card shadow bleeding through rounded corners.- Recharts
ResponsiveContainer console warnings during initial layout measurement. - Prisma datasource configuration for Vercel deploys — uses
DIRECT_URL (non-pooled) in prisma.config.ts so prisma migrate deploy bypasses PgBouncer. - Several pre-existing TypeScript errors that slipped past Vite builds, including a
forgetPassword → requestPasswordReset rename to match Better Auth's current API. - Timing-dependent flake in the upcoming-payments integration test.
- Invalid
fileParallelism option removed from the Vitest project config.