What's New

New features, improvements, and fixes — newest first.

September 11, 2026

✨ Enhancements

The Cash on Hand chart shows a Reserve line when part of your buffer is held inside your retirement accounts.
Red shading on the Cash on Hand chart now marks only the part of your buffer target your reserve does not cover.
Ask AI explains each year's withdrawal as covering that year's shortfall or rebuilding cash, and never ties it to a single expense.
Ask AI knows how much of each year's education costs your 529 and ESA accounts paid.

September 11, 2026

Traditional IRA, Roth and HSA money is no longer withdrawn just to rebuild your cash buffer; those accounts now pay only for what each year actually needs.
Plans no longer show a large one-year withdrawal, and the tax on it, in the year you reach 59½ or in your first year of retirement.
Once your taxable savings are used, cash can stay near $0 while your retirement accounts pay each year's costs; this is intended.
NestScore, the Min Reserve card and the low-reserve warning now count your reserve: cash plus retirement money you can reach without a penalty, up to your buffer target.

September 11, 2026

Client Book ranks your households by what needs attention first, refreshed every night and whenever a plan changes.
The summary tiles filter the list, and a bell beside the year marks each household's most urgent issue.
A plan nobody has reviewed yet is tagged "New plan".
"View plans" on a client opens that client's plans, with a filter you can clear.
The client list is more compact and shows ten clients per page.

September 11, 2026

Rental mortgage payoffs can be marked on the Net Worth chart with a checkbox, off by default. (Ticket #13)
Hover a figure in the first year's row to see the whole calendar year beside the months covered.
A move abroad now has a field for what health cover there costs; without it, nothing is charged for healthcare while abroad.
The taxable account is called "Taxable Brokerage" everywhere.
The Taxable, Tax-deferred and Roth sections of the Portfolio step can be collapsed.
Living expenses now says plainly that housing costs belong in the Real Estate step.

September 11, 2026

Switching the 401(k) employer match from a dollar amount to a percentage formula now saves. (Ticket #11)
A rental's current market value no longer fills in with its purchase price. (Ticket #12)
The Real Estate tab's Net Cash for the first year no longer sets a full year of rent against a few months of mortgage. (Ticket #14)
A plan with a 72(t) payment series no longer breaks the Net Worth chart.
The Insurance panel no longer shows the same figure twice when no policy is held.

September 11, 2026

The first year of a plan now runs from the current month to December 31; income, spending, payments and growth for the months already gone were being counted twice. (Ticket #14)
The first year is labeled with its months, for example "2026 (Sep–Dec)", in every table, chart, CSV and PDF. (Ticket #14)
A home you sell no longer counts twice in its sale year: its equity leaves net worth in the year the sale proceeds arrive. (Ticket #9)
A home's mortgage is now charged even when no property tax, insurance or upkeep has been entered.
Working years are charged your share of employer health cover, $1,500 a person by default and editable, instead of a full marketplace premium.
IRMAA is no longer counted twice in the Income & Expenses table and the average annual spending figure.

September 10, 2026

Build your own table from any of 81 fields the projection produces, then rename it and any column and write the help text behind each question mark.
Pick "Income by source" or "Balance by account" and it expands into one column per source, named from the plan itself.
Show, hide and reorder every table, the standard ones included. The panel opens on whichever you put first.
Download any table as a spreadsheet, matching your column names and the dollar basis you were viewing.
Ask AI knows your tables by the names you gave them.
Your choices are saved to your account, so every plan opens the way you set it.

September 8, 2026

Table headers in the PDF no longer run into one another.
The conversion schedule states that it assumes both partners reach the end of the plan, and that a survivor filing single would pay more.
A scenario now says when it is measured against your plan as entered rather than the optimizer's recommendations.

September 8, 2026

The optimizer now searches whose traditional IRA to convert from, trying each alone and both together.
The Roth table, the PDF and the CSV show a column per person, and the action list names whose IRA each conversion comes from.
You can pin the conversion source in Optimizer targets, to keep one account out of the optimizer's hands.
When the choice barely changes the outcome, the recommendation says so instead of announcing a winner.

September 6, 2026

A spouse's retirement date is set automatically as the hint promised, and is restored correctly after switching status.
The runway ladder's "runs out" year now matches the year the chart stops.
A plan that could not be loaded can no longer be saved back as an empty plan.

Showing 31–40 of 112 entries

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