What's New
New features, improvements, and fixes — newest first.
August 31, 2026
🐛 Bug fixes
- 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
⚡ Enhancements
- 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
✨ New features
- 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
⚙️ You can switch individual Optimizer steps off
- Every Optimizer phase can be locked, and the progress screen now shows which are running and which you asked it to skip.
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.
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