What's New

New features, improvements, and fixes — newest first.

July 10, 2026

🎉 New: Budgeting & Expenses module (Premium)

Upload real statements — drop in PDFs, CSVs, or photos and we read the transactions automatically. No manual entry.
Auto-categorized spending — every transaction is sorted into Fixed, Essential, and Discretionary buckets you control, with an Ignore bin for transfers and reimbursements.
Track against budget — a dashboard shows each category's spend versus budget and whether you're trending over or under, month by month.
Feeds your plan — build an annual living-expenses budget from your actual spending and pull it straight into the planning wizard, so your projection is grounded in reality.

July 6, 2026

Upload Expenses page now shows each statement's date range and supports paging through longer lists.
Expenses Dashboard opens on the current year by default and reads a bit cleaner.
Your AI assistant now knows about the Budgeting & Expenses module and can point you to it.

July 6, 2026

"My Plans" is now "Financial Planner" — with a clear page title and the familiar My Plans / Shared with Me tabs.
New Expenses dropdown for the Budgeting module, plus small icons across the Expenses and Admin menus.
The light/dark mode toggle moved next to the "What's New" button for quicker access.

July 3, 2026

Your Life Insurance Gap Analysis just got more useful. Instead of a single coverage recommendation, you'll now see two: Solvency floor — the minimum coverage so your survivor's savings never run out. Living-standard coverage — the amount needed so your survivor can keep living the life you planned together, not just avoid running out of money.

July 2, 2026

Fixed a bug where the Portfolio Flow (Sankey) chart could show different Federal Tax, State Tax, and NIIT figures than the Taxes & IRMAA table for the same year — both now use the exact same calculation.
Net Worth CSV export's Federal Tax and State Tax columns now match the rest of the app.
The Taxes & IRMAA table now labels which figures each column excludes (Property Sale Tax, NIIT, IRMAA) directly in the header, and the chart tooltip separates the IRMAA surcharge from the income tax total.
Added a "Property Sale Tax" and "NIIT" breakdown to the Spending Detail table's expandable tax view.
Added Previous/Next buttons to the Portfolio Flow chart to step through years without opening the date dropdowns.
Distinct colors for the Portfolio Flow chart's "Cash Buffer" saved/drawn-down flows so they're easier to tell apart.
Added a "Never sell" checkbox for each property in What-If scenarios, so you can override a planned sale with "never sell" instead of just a different year.
Reorganized the What-If Strategies section into a cleaner, more compact card layout.
Fixed a bug where automated emails could show a broken greeting ("Hi ,") for accounts with no name on file.

July 2, 2026

You can now set your Roth conversion strategy (how far to convert, and how aggressively) directly in the Tax step of the wizard, instead of it being an invisible default. This is also what "Current" now refers to in the Optimizer's recommendations.
In the Optimizer's advanced settings, you can try a different Roth conversion starting point for a single optimizer run — see what happens if you converted more aggressively, or to a different income ceiling — without changing your saved plan. A "Revert to saved plan settings" link resets it back.
When a recommended strategy increases your lifetime taxes (usually because it grows your tax-free savings by more than that), the dashboard now explains the tradeoff in plain language instead of just showing a confusing negative number.

July 2, 2026

The wizard can now look up your actual ACA marketplace premium (via state or federal exchange data, with a manual fallback), instead of relying on a rough estimate.
Fixed a double-counting bug in ACA auto-fill for couples, and added modeling for a spouse covered under their partner's employer plan rather than their own.

July 2, 2026

Colors in the Income Composition and Net Worth charts were updated so every category is easy to tell apart at a glance.
The "Max Sustainable Spending" reference line is now clearly visible in both light and dark mode (previously hard to see in dark mode).

July 1, 2026

ACA health coverage auto-fill is now month-precise — previously used whole years only; now accounts for your exact retirement month and Medicare-eligibility month when estimating pre-Medicare health insurance costs.
Cleaner Roth IRA / HSA layout — the "Tax-free" section of the Portfolio step now groups all Roth IRA fields together, with HSA balance, coverage type, and Medicare Part A enrollment consolidated into one row at the bottom.
Resolved an issue where some visitors couldn't complete sign-up due to a security-verification step failing to load. No action needed — just try signing up again if you hit this before

June 29, 2026

You can now set your own expected growth rate for Cash/HYSA, Traditional IRA, 401(k), and Roth IRA accounts in the Portfolio step — previously these were fixed at default assumptions and not shown anywhere.
Optionally model a glide path that gradually shifts your stocks/bonds mix to be more conservative as your plan progresses, like a target-date fund. The Optimizer's portfolio de-risking lever now picks up your wizard settings automatically.
Fixed a mismatch in the Income Composition chart where a loss-making rental property could be dropped instead of offsetting gains from another property — it now matches the Income Detail table, with a short legend note explaining the netting.
The Portfolio Flow chart's "Healthcare" category is now labeled "Healthcare + IRMAA" since it already included Medicare surcharges, and "Education" expenses now show as their own category instead of being lumped into "Other Major."
Ask AI can now explain the Portfolio Flow chart's "Cash Buffer" entries and how the stock/bond glide path works, if asked.

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