February 12 2026 Development Update

We've been heads-down since the last update. Here's what shipped between late January and mid-February: stronger budgets, a better AI chat experience, debt and savings in the budget, and a bunch of fixes and polish.

Changelog

Budget Improvements

• Budget progress calculations are fixed so your numbers stay accurate.
• You can now select entire categories or all categories at once in the budget selector, and remove categories from your budget from the list.
• Debt and savings are now first-class in the budget: dedicated sections, debt amount on budget sheets, and savings in the budget list so you can set goals alongside spending.
• Budget overview widget was redesigned with an interactive category breakdown, animated numbers, and clearer progress bars.
• Categories can have custom colors with a picker, and those colors show up consistently in the budget overview.
• AI budget suggestions now work for individual subcategories, and the AI budget button was repositioned for better visibility.
• Budget overview shows actual income tracking, previous-month spending comparison, and date navigation so you can move between months without leaving the widget.
• Subcategory display in the budget overview was improved with sorting and more detailed spending info; overspend is clearly indicated and issue reporting was improved.
• You can link to specific subcategories from the budget overview (shareable links).
• Budget changes save more reliably.
• Budget number inputs (including expected income) were fixed so they behave correctly.
• Budget inputs no longer auto-focus unexpectedly.

Transactions & Data

• Debt is now a supported transaction type end to end.
• Fixed an issue with account balance display.
• Uncategorized transactions are handled correctly, and the category selector supports an "uncategorized" option.
• Subcategory history page and related UI work better.

AI & Chat

• Chat keeps conversation history so you can revisit past conversations.
• Chatbot UI was updated with clearer styling and visual hierarchy, and it works well on mobile.
• You can create and adjust budgets with AI in a dedicated budget chat; we added a fallback message for empty conversations and improved how the AI calculates budget suggestions.
• Receipt status (matched or unmatched) is shown on transactions so you can see receipt linkage at a glance.
• We added usage tracking so we can keep AI features sustainable.

Charts & Analytics

• Merchant bubble chart supports zoom and pan for exploring large datasets.
• Sankey chart subcategory sorting was improved so the flow view is easier to read.

Email & Notifications

• Copia can now send you notifications by email, including when Plaid needs you to log in again.
• Waitlist signup and removal now trigger the right emails.

Mobile & UX

• Improved the AI chatbot is responsive and usable on mobile.
• A mobile-friendly date range picker was added.
• Dates now use your local timezone so they line up with what you expect.

Bug Fixes

• Fixed budget progress calculation and account balance display.
• Fixed budget number inputs and timezone handling for selected date.

We're still iterating based on feedback. If you're using Copia and have ideas or run into issues, we'd love to hear from you—reach out on Discord. Thanks for following along.