What's New
New features, improvements, and fixes — newest first.
August 21, 2026
🐛 Your tax numbers will go up. You are not paying more tax.
- Selling stocks from a taxable account owes capital-gains tax on the growth. NestEdge has always charged it — it comes out of the sale itself, so your projection has always been right. But it appeared in no tax figure we showed you. Lifetime tax and effective tax rate were understated in every year you sold stock.
- It was possible to pay more capital-gains tax and see a smaller reported tax bill. That's now fixed.
- Nothing about your plan changed — only what we tell you about it. Your net worth, projection, and actual tax are exactly as they were.
- New Stock Cap. Gains column in the Taxes & IRMAA table, a matching band on the Taxes & IRMAA chart, and a column in the CSV export. Lifetime tax on your dashboard will be higher than you remember.
August 21, 2026
🎉 New: Assumptions panel — test a change without editing your plan
- A slide-out panel on the dashboard with the handful of settings that actually move your net worth: stock and bond returns, inflation, allocation, cash buffer, retirement year, Social Security claiming age, spending, and Roth conversion pace.
- Every change re-runs the full projection on the server, taxes included — not an estimate. The dashboard updates as you drag.
- Controls appear only when they apply to your plan, so a single filer or a household with no pre-tax balance doesn't see settings that would do nothing.
- Nothing is saved until you press Apply. Closing the panel discards everything and returns you to your plan as entered.
August 21, 2026
🎉 New: Allocation Drift chart — does your target ever actually happen?
- New chart tab plotting your target allocation against what you actually hold, year by year, with the gap shaded.
- You could always set a glide path, but nothing showed whether it was ever reached — and often it isn't. NestEdge never force-sells purely to rebalance, because that would hand you a capital-gains bill you didn't ask for. It moves toward the target using flows instead: surplus cash buys the under-weight asset, withdrawals come from the over-weight one.
- When an existing position grows faster than you withdraw, the target can stay out of reach. Now you can see when that's happening instead of assuming it isn't.
August 21, 2026
✨ Set a different stock/bond mix per account
- Each account can now carry its own allocation, overriding the household target. Most people should leave every account inheriting the household number.
- It's there because holding bonds in a Traditional IRA and stocks in a taxable account is a genuine tax advantage — bond interest compounds untaxed inside an IRA, while stocks get favourable treatment in a taxable account. Some people do this deliberately.
- The Portfolio step now shows each account's implied return as you set its mix, and the bond return is an editable field rather than a hidden default.
- Asset allocation moved out of "Drawdown Strategy" into its own section — it governs how everything grows, not just how cash is swept.
August 21, 2026
🐛 Fixes to what the app was reporting
- Property sale rows now reconcile. The Real Estate tab rebuilt each sale in the browser and derived "taxes on sale" as a leftover, which absorbed the difference between a property's displayed value (market appreciation) and the price it actually sold at (your sale-price growth rate). A real $20,482 tax was showing as $37,386. The row now reports the transaction as executed — price, selling costs, payoff, tax — and adds up.
- Portfolio Flow's sale figures explain themselves. Hover Property Sales or Brokerage Stocks for the full derivation, including selling costs and mortgage payoff that are settled at closing and never reach your cash account.
- The plan grade now describes the plan on screen. With the Assumptions panel or a What-If scenario active, the grade badge and its written explanation could disagree out loud — badge "Soaring", text "your plan earns an In Flight grade".
- PDF report corrections. It printed a 4% bond yield and 1.8% dividend yield when the projection used 3.5% and 2%, showed a hardcoded 85% target allocation, and listed two tax rates the projection no longer applies.
- Insight messages pointed to a "My Plan → Roth & Cash" screen that doesn't exist. They now name the real locations.
August 21, 2026
🎉 New: $3 day pass — full access for 24 hours
- A one-time $3 purchase unlocking Optimizer, Monte Carlo, Historical Backtest, and Compare Alternatives for 24 hours. No subscription, no auto-renewal.
- Deliberately narrow: no Ask AI, no PDF/CSV downloads, and no budgeting module. It's for answering one specific question in an evening, not a substitute for a subscription.
- Buying a pass while one is already running queues it to start when the current one ends, rather than overwriting it.
August 21, 2026
🔧 Subscription and access changes
- Cancelling a subscription now ends access when the paid period does. Previously a cancelled account quietly kept a free tier indefinitely. Your plans and data are untouched and return the moment you buy a day pass or resubscribe.
- The separate $7 export purchase is gone — exports are included with every subscription.
- Closed a gap where a lapsed account could still read plan data directly, rather than only being blocked in the interface.
August 21, 2026
✨ Dashboard and Monte Carlo presentation
- The dashboard now leads with cash on hand rather than net worth — the number that tells you whether this year works.
- Monte Carlo results appear on the chart they describe, with the probability fan scrolled into view, clearer band edges, and the legend beside the chart instead of below it.
- Once a Monte Carlo run finishes, the panel collapses to a compact receipt instead of holding the full form open.
- The view switcher is separated from Actionable Insights, and the re-scoring indicator sits next to the controls that trigger it.
August 2, 2026
✨ Optimizer results you can reconcile
- Every dollar figure in the optimizer now reports the same thing — Net Legacy, what your heirs keep after tax — and all of them follow the Nominal $ / Today's $ toggle. Several previously mixed the two, so a headline could disagree with the recommendation it was summarising.
- Reliability now scores the package you have selected, rather than counting how many recommendations are individually robust. On plans where the changes only pay off in combination, the old figure could read 0% while the package itself was strongly positive across simulated markets.
- Unticking a recommendation re-scores the whole result against what you actually kept: the headline, the median and worst-case outcomes, safe-to-spend, and reliability. Previously some of those figures kept describing the full set.
- The results panel is now a single card that shows its own arithmetic — ending net worth gain, plus the heir tax the strategy removes, equals the Net Legacy gain. Where a plan's after-tax gain exceeds its before-tax gain, you can now see exactly why.
- Plans that run out of money are measured in time. Where every dollar figure is zero because nothing is left either way, recommendations are judged on how many years longer the money lasts.
- "How we optimized this" collapses to one scannable line per phase, with the detail behind a click, and now reports each phase's own contribution.
- Because of these corrections, saved optimizer results from before this release are cleared — re-run the Optimizer to see the updated figures. The recommendations themselves are unchanged; only how they were reported.
August 2, 2026
🐛 Optimizer accuracy fixes
- Plans that could be rescued by working a year or two longer weren't getting that recommendation — retirement-date changes weren't factoring in the extra salary. Fixed for both the Optimizer and What-If scenarios.
- Plans projected to run short could show nonsensical figures (billion-dollar "benefits," negative values) in the Optimizer's explanations. These now show a plain-English explanation — like how many extra years your savings last.
- Fixed wording that could describe claiming Social Security earlier as "delaying" it.
- Clarified Roth conversion guidance when it and a Social Security change achieve the same result — previously read as "Roth won't help," now explains they're alternatives.
- Applying or previewing Optimizer results could produce a different plan than the summary reported. Preview, Save, and the Optimized view now match exactly.
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