Skarbify is in closed beta — access by invitation only.
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What's new

Every ship builds the story.

Changelog for Skarbify — new features, improvements and infrastructure. Latest releases on top.

  1. 5 June 2026

    Animations, WCAG contrast fixes, and mobile transaction filters

    • BetterMarketing sections now animate on scroll — lift effect (scale + fade), staggered KPI cards on the dashboard.
    • FixTerracotta accent and gain-green colors slightly darkened — WCAG 2.1 AA contrast requirements now met for normal-size text.
    • BetterTransactions on mobile: Konto / Waluta / Walor filters collapse into a "Filtry ▾" badge-button; open as a bottom sheet.
    • FixPortfolio chart drawdown bar and label switched to slate-blue to stop clashing with the terracotta portfolio line.
  2. 4 June 2026

    IKE/IKZE CSV export, skarbify.pl live, searchable watchlist

    • NewCSV export for IKE/IKZE accounts — contributions, avoided Belka, IKZE PIT deductions, 5-year rule status.
    • BetterWatchlist with text search and four sort modes (Newest / A–Z / Δ% / Distance to target).
    • NewCommand palette (⌘K) now searches assets — type a ticker, jump straight to the asset detail page.
    • Infraskarbify.pl is live — domain purchased and connected to Vercel.
  3. 3 June 2026
    honest-returns

    Honest return: contributions vs market gain decomposition

    • BetterTWR is now calculated on the liquid portfolio (securities + cash) — dividends and coupons no longer understate the return.
    • NewPortfolio chart shades the gap between value and deposits: green when the market added, red when it took. "Market gain: ±X PLN" summary line above the chart.
    • FixMWR panel (per account) now correctly values IKE/IKZE in-kind transfers at the transfer-date price — previously overstated XIRR.
  4. 31 May 2026

    IKE/IKZE depth: transfer wizard, projection, bracket override

    • NewIKE/IKZE transfer-out wizard — moves positions between accounts without a tax event; contribution history and the 5-year clock move with them.
    • NewWithdrawal simulator: projects IKE/IKZE value at an assumed growth rate, distinguishing Belka exemption vs IKZE PIT deduction.
    • NewPer-year PIT bracket override in Settings — for self-employed users or those who cross a threshold mid-year.
  5. 30 May 2026
    auto-charts

    Charts fill automatically after you add holdings

    • BetterThe daily cron backfills missing price history for equities and ETFs — new users no longer need to manually trigger a backfill.
  6. 29 May 2026
    pii-rls

    PII envelope encryption and Row-Level Security

    • InfraEmail addresses, names and profile data are envelope-encrypted in the database; lookups use an HMAC hash. Neon RLS enforces tenant isolation at the database level.
  7. 27 May 2026
    bonds-cpi

    Polish bonds: rate terms, accrued interest, maturity projection

    • NewPolish 4-letter bonds (TOS, COI, EDO, ROD, ROS) — automatic rates from GUS BDL CPI + offer-sheet terms. Period schedule table and projected value to maturity.
  8. 26 May 2026

    Rebalancing, Belka simulator, drift on targets

    • NewNew /app/rebalance page — concrete buy/sell amounts in two modes (buy-only, swap) to hit your target allocation.
    • NewBelka sell-simulator on each asset page — shows FIFO, 19% tax and YTD compensation before you click Sell.
    • NewFirst-time setup at /app/welcome — onboarding with three starting paths (CSV import, manual entry, watchlist-only).
    • BetterGlobal "+ Add" button in the topbar — add a transaction from any page, not just the portfolio.
    • BetterPortfolio grouped by asset class, with deterministic avatar colors (CDR is always orange, CSPX always green).
    • BetterTransaction filters in the URL — date range, asset, type, account and currency are all bookmarkable.
    • BetterDrift visualisation on /settings/targets — current allocation vs target, per class.
  9. 26 May 2026

    Funnel pages — performance, payouts, watchlist 2.0, pricing

    • NewNew /app/performance page — TWR, contributors/detractors, XIRR per account on one screen.
    • NewNew /app/income page — dividends and coupons from the last 12 months, yield-on-cost per asset.
    • BetterWatchlist 2.0 — 30-day sparkline, daily delta, regional grouping, and a visual price alert.
    • NewPublic /pricing page — Skarbify is free in beta, future model communicated transparently.
  10. 24 May 2026
    stooq

    Stooq as a market-data fallback

    • InfraStooq CSV adapter added to the price-source chain — valuation keeps working even when the primary API fails.
  11. 19 May 2026
    manual-nav

    Manual NAV for funds and bonds

    • NewFunds (MUTUAL_FUNDS) and bonds (BONDS_PL) now support manual valuation entry, with CSV export and edit history.
    • InfraPostgres-backed circuit breaker for price feeds — stops retry storms when sources go down.

What's next

Probably the source of the next entry.

  • PlannedBenchmark overlay on /app/performance (WIG20, MSCI ACWI) and rolling 1M / 3M / 12M returns.
  • PlannedPrice alert rules with notifications (email / push) — UI exists, engine is missing.
  • PlannedMore CSV broker adapters: Revolut, IBKR, Trading212, eToro, DEGIRO.
  • PlannedFinancial goals (/app/goals) + Monte Carlo projection for FIRE / retirement horizons.
  • PlannedEmail address change with verification — user-requested, requires a magic-link flow to the new address.