What's New
New features, improvements, and fixes — newest first.
August 30, 2026
🔔 Your plan now asks whether you actually did it
- If your plan assumed a conversion in 2029 and it is now 2031, it asks whether that happened.
- Say no and it points you at the setting to correct, so the projection stops assuming something that never took place.
August 30, 2026
📋 A new "Your Actions" tab shows what you need to do
- Some of what makes your plan work are real trades someone has to place. NestEdge models them and does not carry them out.
- The tab lists each one with its year and the tax it triggers, and the years are marked on your Net Worth chart.
August 30, 2026
🎯 Your plan can now actually reach your target mix
- Directing new money cannot close a large gap, so a plan could state 60% stocks and be modelled at 88%.
- Plans now assume you rebalance to your target, and the Optimizer works out the cheapest way to get there in tax.
- You can turn this off in Assumptions if you would rather model a portfolio left to drift.
August 30, 2026
✨ The Optimizer now tells you where to hold your bonds
- Accounts are taxed differently, so the same portfolio produces a different after-tax result depending on which account holds which asset.
- The Optimizer now finds the better placement and shows what it is worth, without changing how much you hold in stocks.
August 28, 2026
🤖 Ask AI knows about your moves
- Ask AI now describes each move's tax rates, Social Security treatment, and spending change for the years they apply — including, for moves abroad, exactly what is and isn't modelled.
August 28, 2026
📊 Financial Report table
- The Year-by-Year Detail tab is now a Financial Report: each row reads Net Worth (BOY) + Income + Growth − Spending − Taxes = Net Worth (EOY), and the columns genuinely sum — in both Nominal and Today's $ views.
- Income counts only money from outside your own balances; IRA draws are transfers, not income. Growth shows what markets, appreciation, and contributions added — negative in a down year.
August 28, 2026
💸 Spending can change with any move
- Every future move — state-to-state or abroad — can carry a living-expense change as a percent of your base spending (70% for Lisbon, 125% for Manhattan).
- The percent rides on top of normal expense inflation, and everything downstream follows: withdrawals, taxes, IRMAA, and legacy net worth.
August 28, 2026
🌍 Plan a move to another country
- Future moves in the Household step can now leave the US — from the move year, state tax on your retirement income stops, while US federal tax and tax on state-sourced income (like a rental) keep running.
- Each move abroad carries a Medicare Part B election — keep paying to preserve enrollment, or drop premiums and IRMAA while abroad, with the re-enrollment penalty clearly disclosed.
- Moving out of a state that audits departing residents (CA, NY, VA, NM, SC) shows a warning, and moving back to a US state restores everything automatically.
August 27, 2026
✨ Enhancements
- Each property now has its own appreciation rate, and it can be negative, so a market you expect to fall is modelled as falling.
- Every section of the plan wizard is now a titled panel, and optional sections work the same way on every page.
- Rarely-used settings fold away by default and open themselves whenever you have already set something in them.
- A scenario that changes nothing can no longer be saved — it only drew a second line on top of your baseline.
- The net-worth CSV export now has its own column for 72(t) payments, beside Required Minimum Distributions.
August 27, 2026
⚠️ Corrections that change your numbers
- Required Minimum Distributions are now measured against your December 31 balance from the previous year, as IRS Publication 590-B requires — the old mid-year figure overstated a typical first RMD by around 7%, and the tax on it.
- Money drawn from a HELOC is now carried as a loan you owe and subtracted from your net worth, with interest accruing each year, instead of appearing as cash with nothing owed back.
- A scenario whose only change was a 72(t) used to say "No changes from base" while your projection moved beneath it; it now describes itself correctly, as do §1031 exchanges and glide-path allocations.
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