What's New

New features, improvements, and fixes — newest first.

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

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

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

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.

August 27, 2026

Draw from a traditional IRA before 59½ without the 10% early-withdrawal penalty, using any of the three IRS methods.
Size the commitment from the gap you actually need to bridge, instead of locking up the whole account.
A panel weighs the penalty you avoid against the health-insurance subsidy you lose and the extra tax you owe, so you can see what it really costs.
Guardrails warn you if the series would leave you short, and tell you when the rule of 55 would do the same job without committing anything.
Both of you can run your own series, each drawn only from that person's own IRAs.
Already filed a 72(t)? Record it on your plan and its payments, tax and subsidy effects flow through every projection.

August 26, 2026

The projection could take money out of a Traditional IRA — and pay the 10% early-withdrawal penalty — purely to build up your target cash buffer, even in years where your income already covered your spending.
It now only reaches into a penalized retirement account to cover a genuine shortfall, and otherwise lets cash sit below the target. Accounts that carry no penalty are unaffected.
Plans that were affected will show lower taxes, fewer penalties and a higher final estate. If you keep a cash buffer of two years or more and entered little or no cash on hand, this is likely to change your numbers.

August 26, 2026

Other Income entries now have a Tax treatment setting: "Taxable — ordinary income" or "Not taxable". Choosing "Not taxable" keeps the amount out of your taxable income, so it no longer raises your tax bracket.
This replaces the old Tax rate box, which was not connected to the tax calculation — setting it to 0% had no effect.
Existing entries stay taxable until you change them. If you have an inheritance, a gift or a settlement entered as Other Income, open it and set the tax treatment.
Life insurance payouts were affected by the same problem and are now correctly untaxed. If your plan models the death of a partner, expect a noticeably lower tax bill in that year.

August 26, 2026

On plans where one partner is older, the "RMDs begin" note could appear under the wrong person's name — showing the older partner's first withdrawal year and amount, alongside the other partner's age.
Each person's RMD start year and first-year amount are now reported separately and correctly.
If you use the Actionable Insights panel to time Roth conversions before RMDs start, it's worth re-checking that date — for some couples it moves by several years.

August 26, 2026

A survivor receives whichever benefit is larger — their own or the deceased's, never both. We only applied that when the higher earner happened to be the first person entered in the wizard. For every other household the survivor benefit was worth nothing in our numbers.
Delayed-retirement credits stopped being credited before they were earned. Someone planning to claim at 70 who dies at 68 leaves a survivor about 108% of their full benefit, not 124%.
A survivor of someone who claimed early is now floored at 82.5% of their full benefit, as the rules require. That floor was in the code but could never take effect.
Claiming ages are now ranked on what your estate is expected to be worth once the chance that one of you dies first is priced in. Previously they were ranked on a projection where nobody dies, which quietly favoured claiming early.
Expect your Social Security recommendation to change, most often toward delaying the higher earner.

August 26, 2026

The optimizer's answer is often a near-tie. Every claiming age can sit within a couple of percent of every other, and the winner can move when you change something unrelated, like your stock allocation.
The recommendation now comes with the alternatives, priced the same way, and you pick the one you want. Picking one re-runs the optimizer around it, so your Roth conversions and property-sale timing are tuned to your choice.
When the answer is close or unstable, it says so instead of presenting one age with confidence it hasn't earned.

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