What's New

New features, improvements, and fixes — newest first.

September 6, 2026

✨ Enhancements

Household step asks whether each person is still working, already retired, or never worked for a salary; Income adjusts to match.
Expense and loan cards show the type of item with an icon; loan cards show the rate and balance.
Year drop-downs offer only the years that make sense for each question.
A rent start year can be set for households who plan to rent later.
Action markers on the Net Worth chart are off by default; a checkbox turns them on.
The Assumptions rail shows the entered spending figure and says what its dials start from while a preview is on screen.
Help panels in the guided interview were reviewed screen by screen.

September 6, 2026

Each person can now have their own HSA, individual or family, with the shared family limit and catch-ups; older plans with a single HSA are carried over automatically.
A person who is already retired, or never earned a salary, is modeled that way: no contributions or matches are assumed for them.
Safe to spend now searches below today's spending when the plan does not last; it may show a lower figure, or none, where it used to show today's spending.
In the guided interview, a 1031 replacement property is now recorded the same way as in the form editor; a replacement entered earlier through the interview should be revisited.

September 6, 2026

A new Executive Summary opens the report: where you stand, what needs attention now with what to do about it, your next steps, and the key disclosures up front.
A plan saved from the Optimizer or a rescue preview says so on the cover and in the summary, with what changed and how the original plan looked without those changes.
The report is written in plain US English throughout.

September 6, 2026

September 6, 2026

If the optimized plan still runs dry, the Optimizer now measures the hard choices on your actual plan: spend less, retire later, work part-time, sell the home and rent, downsize, a reverse mortgage, sell a rental sooner, drop a planned expense, hold more in stocks.
Each lever shows the year it buys you and whether it reaches the horizon; tick one or several and press Preview to see the result on every chart and table.
A new Safe to spend figure shows the most the plan can carry every year in today's dollars.
The Viewing bar names any lever in the preview, and a saved plan remembers which levers it was built with.

September 6, 2026

Answer one plain question at a time, with the reason it matters and a typical answer shown beside it.
Sensible defaults are filled in for you; accept them or change them.
Questions that do not apply are skipped, so a retired spouse never sees a 401(k) question.
Switch between the guided interview and the form editor at any point; both write the same plan.
Available to everyone now: choose it when you create a plan, or from the toggle in the plan editor.

August 31, 2026

Reconcile with Budget described every figure as your "cleaned budget" regardless of which basis you picked. It now names the basis you actually chose. The figure was always correct; only the label was wrong.
Two sections of the PDF report could leave a page nearly blank — the year-by-year schedule stranded its heading, and the RMDs and Roth conversions table could push two rows onto a page of their own. Both now flow properly.

August 31, 2026

Property sale recommendations now account for how property actually works. Buying and selling close together rarely recovers the costs on both ends, so the optimizer no longer suggests it.
When the optimizer does recommend selling as early as it sensibly can, the card now tells you that's what's happening — a useful signal that a property is a weak hold in your plan.
Actions are now marked with a clear letter A on the net worth chart, so the things only you can do stand out from ordinary milestones at a glance.
nestedge.finance has been rebuilt around real screenshots of the product — the actual charts, the actual action plan, the actual report.

August 31, 2026

The optimizer now weighs in on properties you haven't bought yet. If your plan includes buying a rental down the road, it will tell you whether that purchase actually helps — and recommend skipping it when your plan comes out ahead without it. It checks that against the best possible sale timing first, so a purchase worth making is never talked out of.
Your PDF report now lists every year of every action. Multi-year actions used to print a total, but "about $124k a year" is an average and nobody places a trade for an average. The Action Plan now shows each individual year with its amount and the tax it triggers.
The plan wizard now checks property dates against each other as you type, so a plan can't quietly rest on a timeline that doesn't work.

August 30, 2026

Every Optimizer phase can be locked, and the progress screen now shows which are running and which you asked it to skip.

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