Version 3.0

Your plan at a glance New

The Summary tab pulls your whole plan together on one page: a plain-language view of where your plan stands, your net-worth progress over time, how you compare with the community, and shortcuts into the rest of the app.

The Coach New

The Coach reviews your actual plan and makes specific, prioritized suggestions, each with a one-click path to act on it. It looks at things like Social Security claiming ages for you and your spouse, spending guardrails, filing-status mismatches, plan headroom, account references that point at deleted accounts, mortgage-payoff scenarios worth testing, and whether your plan has a backup plan.

The Learning Library New

Short, practical guides that use your own plan's real numbers instead of generic examples, so every chart and figure in an article is about you:

• How Taxes Work in Retirement, with an interactive tax-bracket explorer
• Required Minimum Distributions
• When to Claim Social Security
• How Contributions Work
• The Retirement Spending Smile
• Spending Guardrails
• IRMAA and Medicare Surcharges
• What Return Should You Assume?
• How Do You Stack Up?
• Community Plans

Name the moments that matter New

Create up to five Milestones: at an age ("Downsize at 70") or when a financial condition is first met ("portfolio reaches $2 million", "net worth reaches 25 times spending"). Conditions are watched from today onward, working years included, with dollar thresholds in today's dollars. Milestones appear as flag markers on your charts, and Chance of Success reports how often each one is reached across all futures, and at what age.

Milestones that change your plan Planner+

Attach an action to a milestone and the projection applies it when the milestone fires: start part-time income, cut spending, receive a one-time cash infusion, or add an expense. A Budget expense can also start when a condition milestone happens ("When FIRE happens"), so milestone-driven spending lives right in your budget with its own category and name. Defining milestones and seeing them on your charts is free for everyone; attaching plan-changing actions and milestone-timed budget expenses is a Planner+ feature.

Timing that follows your plan Improved

Part-Time Income, Extra Withdrawals, and One-Time Benefit timing can now be anchored to retirement (yours or your spouse's, with an offset like "2 years after") instead of a fixed age, so they move automatically when your retirement age changes. Budget expenses can anchor too: an expense can start or end when one of your Milestones happens ("Downsize at 70"), and its timing follows the milestone if you later change it.

The All Accounts chart New

Every investment account is its own band, by name, so you can watch each 401(k), IRA, and brokerage account grow and drain across the whole plan. The Charts & Data table gains matching Accounts and Contributions views with per-account columns that always reconcile with the totals, and the Withdrawals chart gains a Per Account toggle plus its own band for required minimum distributions.

Withdrawal Order NewPlanner+

Decide which accounts fund your spending first. Your withdrawal strategy still chooses the tax bucket each month; within a bucket, the first account on your list drains to zero, then the second. Want an old 403(b) emptied before your main IRA, or your spouse's IRA used first? Set the order on the Accounts tab and watch it play out.

• This is about control and clarity, not tax savings: accounts inside a bucket share the same tax treatment, so your taxes stay essentially the same whichever order you pick.
• Buckets you leave untouched keep the default behavior, withdrawing in proportion to balances.
• Inherited IRAs, HSAs, and cash follow their own rules. Not yet available for UK plans.

Asset Location NewPlanner+

Keep bonds in your pre-tax accounts and stocks in your Roth, the classic strategy, and the projection finally reflects it: set a custom stocks/bonds split per account type in the Portfolio Returns box. It changes how each pool grows; it never moves money between pools. Your splits apply in Manual projections and in Chance of Success, which re-blends the same historical return sequences with your weights.

Per-Account Growth NewPlanner+

Give any single account its own growth: a custom stocks/bonds mix, a fixed rate for a stable value fund or CD, or no growth at all. This shapes your Manual projection. Chance of Success is deliberately unchanged: it always stress-tests against historical market returns, so a custom rate can never inflate your success rate. We never silently rebalance between accounts; if they drift apart, that is real behavior, and now you can see it. UK accounts inherit plan growth for now.

More account-level control Improved

One-Time Benefits (inheritances, windfalls) can now be deposited into a specific account of your choosing, and annuity purchases gain a "Pay for Purchase From" picker.

One ordered list for the whole household New

With a spouse included, both people's accounts appear together. Drag any account to change what gets funded first, including putting your spouse's IRA above your own brokerage. Limits stay each person's own, and every row says whose room it is quoting.

Real contribution limits, enforced New

401(k), IRA, HSA and catch-up limits cap each account; money above a limit spills to the next account in your fill order instead of vanishing or being deposited illegally. Canadian plans get the CRA equivalents (see the Canada section). Per-account schedules let you set start and end ages, year windows, lump-sum or monthly timing, and "fill to the limit" rules.

Three funding modes Improved

Fund savings with a set annual amount, a percent of salary, or "left over after expenses," which saves exactly what your take-home pay leaves after your working-year budget.

Couples no longer over-save in "Left over after expenses" FixedCan change your numbers

A spouse's own contribution was previously deposited on top of the household's leftover money rather than out of it. Affected couples will see lower, correct balances. Singles and the other funding modes are unaffected.

401(k) room now follows wages FixedCan change your numbers

When your plan models salaries, workplace-plan contributions are capped at that person's own pay; an account belonging to someone with no modelled salary shows $0 of room and says why. IRAs are deliberately exempt: a non-working spouse's IRA can be funded from the working spouse's pay, as the IRS allows.

Everything agrees now Fixed

The planner, the summary box, and the projection now always show the same household savings total (certain custom setups could show three different numbers). Cash works fully as a destination: a spouse's cash contribution actually deposits, and cash no longer double-counts on the Dashboard contributions chart.

Salary that changes over time New

Beside the classic fixed salary, an Adjust Over Time mode turns your salary into a per-year curve on a draggable chart, in today's dollars: steady raises, a planned step down to part-time before retirement, or a career break with a $0 year. Taxes, savings rates, employer match, and every chart follow the curve. This is now the recommended way to model phased retirement.

"Works until" anchors to your milestones New

Each person's salary ends at their own retirement milestone by default, so changing your retirement age moves the salary with it. You can instead anchor to any milestone with an offset ("1 year after Downsize"), to your spouse's retirement, or to a fixed age.

Pre-retirement shortfall funding New

If working-year expenses plus savings exceed take-home pay, the plan warns you, and can optionally fund the gap from your accounts, with early-withdrawal penalties modeled for US plans and pension access ages respected in the UK and Australia.

Charts & Data replaces the Table tab New

The old Table tab is retired. In its place, Charts & Data pairs every chart with its own matching data table on one page: pick a chart, see the numbers behind it, and export what you see. Everything the Table showed is still here, organized around the chart you're actually looking at.

Chance of Success trend graphs New

The trajectory table's sparklines are now outcome-colored area charts on a per-row scale, so you can actually see the shape of each candidate's future.

Cash Flow, redesigned Improved

The Dashboard Cash Flow controls are now an equation band: income minus taxes equals after-tax, against spending, with clear period navigation and CSV export.

Progress Points Improved

Formerly Snapshots, Progress Points are now recorded automatically once a day as you work on your plan, and both Summary net-worth graphs are interactive with hover detail.

New charts and readouts New

• A Taxable Income chart: wage income, capital gains, tax-deferred distributions, RMDs, and other taxable income stacked against your standard deduction, with taxable income as a line.
• The Income chart gains a Pre-Tax / After-Tax toggle, using the engine's per-source tax attribution.
• The Data Summary's Net Worth expands to per-account rows, plus a new Change in Net Worth section explaining each year's movement. Every chart tooltip now carries a Net Worth line.
• A first-year withdrawal rate readout under the spending slider.

Required minimum distributions are now per person Can change your numbers

Each spouse's RMDs now use their own age, own start year (73 or 75 in the US depending on birth year), and own accounts, instead of the household total at the primary person's age. Couples with an age gap typically see less forced taxable income in the early RMD years. One spouse's required distribution can no longer be satisfied from the other's accounts, matching the law. Singles and same-age couples are effectively unchanged. Also fixed: a narrow edge case where people born in late 1959 saw $0 RMDs at ages 73 to 74.

Multiple inherited IRAs each follow their own clock Can change your numbers

Each inherited account now runs its own 10-year window (or life-expectancy schedule), its own minimums, and its own start date, based on that account's original owner. Money from a more recently inherited account stays invested for its full allowed window instead of being forced out on an older account's schedule. Plans with one inherited IRA or fewer are unchanged.

Annuity purchases can no longer spend money that does not exist Can change your numbers

A purchase is now limited to what your selected accounts actually hold; underfunded purchases buy a proportionally smaller annuity and show a funding warning. Fully funded plans are unchanged.

Financed rentals now subtract the mortgage payment from net rent Can change your numbers

Previously the payment was silently skipped for properties using the linked-mortgage setup, overstating rental income (one reported case: about $20,000 per year). Interest and principal are also now split correctly for tax purposes, since principal is not deductible.

Lifetime taxes for UK, Canadian, and Australian plans are lower, and correct Can change your numbers

Plans outside the US were being shown US Medicare premiums they were never actually charged, in some cases the majority of the displayed lifetime tax figure.

A 0% Taxable Gains setting is now honored Fixed

An explicit 0% (for a freshly funded brokerage or stepped-up basis) was previously taxed at the 30% default on several paths, and could silently reset to 30% when a plan was loaded.

A spouse's salary no longer applies when their income box is off FixedCan change your numbers

A saved plan could carry a hidden spouse salary that kept paying (and funding contributions) even though the plan showed them not working.

Taxes follow the real rules Can change your numbers

• Income that was missing from your tax bill is now taxed: defined-benefit pensions, annuities, deferred compensation, interest and dividends, and capital gains from property or asset sales were previously spent tax free.
• Couples now file as two individual returns, each with their own Basic Personal Amount, credits, and brackets. Most couples will see lower taxes. Pension income splitting applies by default (turn it off in Advanced tax settings), and the OAS clawback is now per person, so a couple earning $60,000 each no longer loses OAS to a threshold meant for individuals.
• Eligible Canadian dividends get the 38% gross-up and the federal dividend tax credit. Provincial dividend credits are not yet modeled, so dividend tax runs slightly high.

CPP and OAS claiming ages are now priced New

Tell the CPP/OAS box whether your amounts are age-65 estimates or what you will actually receive. With age-65 estimates, the projection applies the real adjustments: CPP pays 36% less at 60 and 42% more at 70, and OAS pays 36% more at 70, with a comparison table on the box. OAS also rises 10% automatically at age 75.

CRA contribution limits and RRIF rules Can change your numbers

• One RRSP limit per person across RRSP-type accounts ($33,810 for 2026, or 18% of modelled salary), TFSA ($7,000) and FHSA ($8,000) limits, and RRSP contributions ending after the year you turn 71. The Contribution Planner is fully available for Canadian plans. Carry-forward room is not tracked.
• RRIF minimums start at 72 even if you retire later, are taxed, and the remainder is saved to cash.
• RRIF minimum percentages now use your age at the start of each year, as the CRA specifies; minimums were slightly too high before and are now slightly lower.

Provincial completeness Can change your numbers

• The Ontario Health Premium is now charged (up to $900 per person per year).
• Provincial senior credits (Age Amount and Pension Income Amount) now apply in Ontario, BC, Alberta, and Quebec.
• Quebec plans get the 16.5% federal abatement, roughly 9% off a typical Quebec retiree's total bill, and QPP payroll rates when modeling working-years income.
• Ontario's frozen top-bracket thresholds no longer rise with inflation.

Couples are now taxed as two individuals Can change your numbers

The UK taxes individuals, but couples' plans were previously computed as one pooled return with a single Personal Allowance. Every UK couple now gets two returns: each partner's own Personal Allowance, own tax bands, and own tapering, with pension withdrawals attributed by ownership. Couples' taxes go down, in some cases substantially (an equal-income couple on £30,000 each was overpaying by about £4,460 per year). Each partner also now has their own 25% tax-free lump sum allowance. Single-person plans are unchanged.

Cleanup round Improved

US-only concepts (Social Security inputs, HSAs, deferred compensation) are now fully hidden for UK plans instead of quietly doing nothing, terminology and help copy use UK terms throughout, estate planning wording matches UK trust and inheritance-tax concepts, and Coach suggestions no longer recommend US-only moves to UK households. The Contribution Planner also now lets UK plans set each account's yearly amount directly.

• If a subscription payment fails, we now email you with exactly how to fix it (Account, then Manage Billing), and your access continues during a grace period while the charge is retried.
• If your bank asks you to confirm a payment (the extra verification step common for European cards), you now get an email with a secure link to complete it.
• Subscriptions that end after failed payments now end access at the date you actually paid through.

• Clicking a chart bar now selects the matching Data Summary year (it could be one year off after certain updates).
• Charts with no data no longer show a stale copy of the previous chart, and chart tooltips no longer inherit the previous chart's width limits.
• The Your Taxes page no longer overstates annual figures twelvefold in certain views, and partial first years are labeled honestly.
• The Income chart's yearly bars now cover the same age-years as the Data Summary, so the two always agree.
• Fixed a dark band that could appear below the Charts & Data table on some tabs.
• Slightly larger minimum text size across the app for readability.