What's New
New features, improvements, and fixes — newest first.
July 2, 2026
Real ACA premium lookup + coverage accuracy
- The wizard can now look up your actual ACA marketplace premium (via state or federal exchange data, with a manual fallback), instead of relying on a rough estimate.
- Fixed a double-counting bug in ACA auto-fill for couples, and added modeling for a spouse covered under their partner's employer plan rather than their own.
July 2, 2026
Chart readability improvements
- Colors in the Income Composition and Net Worth charts were updated so every category is easy to tell apart at a glance.
- The "Max Sustainable Spending" reference line is now clearly visible in both light and dark mode (previously hard to see in dark mode).
July 1, 2026
Plan Settings Wizard Improvements & Account creation Issue fixed
- ACA health coverage auto-fill is now month-precise — previously used whole years only; now accounts for your exact retirement month and Medicare-eligibility month when estimating pre-Medicare health insurance costs.
- Cleaner Roth IRA / HSA layout — the "Tax-free" section of the Portfolio step now groups all Roth IRA fields together, with HSA balance, coverage type, and Medicare Part A enrollment consolidated into one row at the bottom.
- Resolved an issue where some visitors couldn't complete sign-up due to a security-verification step failing to load. No action needed — just try signing up again if you hit this before
June 29, 2026
Editable growth-rate assumptions, plus chart fixes
- You can now set your own expected growth rate for Cash/HYSA, Traditional IRA, 401(k), and Roth IRA accounts in the Portfolio step — previously these were fixed at default assumptions and not shown anywhere.
- Optionally model a glide path that gradually shifts your stocks/bonds mix to be more conservative as your plan progresses, like a target-date fund. The Optimizer's portfolio de-risking lever now picks up your wizard settings automatically.
- Fixed a mismatch in the Income Composition chart where a loss-making rental property could be dropped instead of offsetting gains from another property — it now matches the Income Detail table, with a short legend note explaining the netting.
- The Portfolio Flow chart's "Healthcare" category is now labeled "Healthcare + IRMAA" since it already included Medicare surcharges, and "Education" expenses now show as their own category instead of being lumped into "Other Major."
- Ask AI can now explain the Portfolio Flow chart's "Cash Buffer" entries and how the stock/bond glide path works, if asked.
June 29, 2026
Smarter spending visibility
- New: your dashboard's main chart now shows a "Max Sustainable Spending" line — the highest annual amount your plan can sustain without running out of money, visible right away and updates automatically if you run the Optimizer.
- Fixed: the Portfolio Flow chart's Taxes & Penalties flow no longer visually overlaps the Cash Buffer
June 28, 2026
Feedback Related improvements
- You can now reply to NestEdge's responses on feedback you've submitted, and see the full conversation on a new "My Feedback" page.
- The feedback button shows a small red dot when there's a new reply waiting.
- Each feedback item now has a visible ID so it's easy to reference.
- Reply emails now show the full conversation, not just the latest message.
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