What's New

New features, improvements, and fixes — newest first.

July 17, 2026

🎉 New: Net Legacy — see what your heirs actually keep

New Net Legacy card on your dashboard, shown right alongside Legacy/Estate Value — it's your ending net worth after subtracting the income tax your heirs would owe on any Traditional IRA, 401(k), or HSA balance left behind.
The Optimizer now judges every strategy — including Roth conversions — by Net Legacy instead of raw net worth, so a smart conversion doesn't get penalized just for paying some tax today.
Estate goals can now be set as either a gross figure or "net of heirs' tax," matching how Net Legacy is calculated.
Roth conversion limits can combine multiple ceilings at once (e.g. stay under a specific Medicare/IRMAA tier and avoid the investment-income tax surcharge) instead of picking just one.
Roth conversion strategy is no longer something you configure blind in the wizard — it's a conclusion the Optimizer draws for you from your actual numbers. Want to hand-model a specific ladder yourself? That's still available in What-If Scenarios.

July 17, 2026

Beyond a simple straight-line stocks/bonds glide path, you can now build a fully custom allocation schedule with your own breakpoints in the Portfolio step.
This lets you model a "bond tent" — de-risking as you approach retirement, then gradually shifting back toward stocks afterward — something a single glide path can't express.
A live preview chart shows your allocation path as you build it.
The Optimizer's de-risking recommendation now works with a custom schedule too, adjusting only the years at and after retirement instead of overwriting your whole plan.

July 17, 2026

Fixed a bug where a plan that ran out of spendable money while still owning valuable real estate (a home, a rental) could be shown as on-track instead of flagged as depleted — this could also mislead the Optimizer into recommending a strategy that runs out of money early.
Added plain-English AI summaries explaining the Optimizer's top recommendations and why your plan earned its NestScore grade, shown right in their existing panels.
Fixed the mobile Expenses menu — Upload Expenses, Budget Management, and Category Management are now reachable from a phone or tablet (previously only the Dashboard was).
Added a "Complete Plan Settings" appendix and a "Return & Rate Assumptions" section to the PDF report, so every assumption behind your plan is documented in one place.

July 12, 2026

Replay your plan against every real retirement start year back to 1928, using actual market returns (not a simulation). See how many historical retirements your plan would have survived, optionally drive spending by each era's real inflation, and compare against any single start year.

July 10, 2026

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.

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