Changelog
What changed in each release. Including changes to the engine that move the numbers.
Changes to the projection engine can move an existing plan's results even when nothing on screen looks different. Those get an entry here, because a forecast you saw last month should not quietly become a different forecast without an explanation.
What-if tab redesigned
Made improvements to the display and usability of the What-if tab, which is now always shown. There is no longer a setting to turn it on. It lets you change several parameters and a combined scenario: Social Security claim ages, when each salary ends, an extra salary, and adjustments to living expenses during a range of years.
Compare social security claim ages
Social Security income asks for a yearly benefit and a claim age from 62 to 70, checked against the range for that person’s full retirement age. A first-year required minimum distribution is estimated from the months left in the year. Contribution room follows the wages and self-employment income the plan models, and a couple’s retirement-income exclusions are applied to the person who earned them.
Settings can turn on an experimental What-if tab that compares Social Security claim ages. Nothing there is saved into the plan.
A clearer cash-flow diagram, and more accurate state tax
The Cash Flow tab’s diagram is easier to follow.
State tax now includes a deduction for federal income tax for Oregon, Alabama, and Missouri, retirement-income exclusions in the states that still offer them (AL, GA, HI, IA, IL, MS, NY, and PA), and the personal exemption credit in Arkansas, California, Nebraska, and Oregon.
A clearer success gauge
New savings now go to whatever part of your mix is furthest below its target, instead of always buying the target mix. Plans that rarely sell, such as a retirement funded by dividends and interest, now stay closer to their allocation.
The chance of success gauge on the Outcomes tab has been redrawn: a bolder band that marks where it turns amber and green, and the reading set beside it in plain words.
Quick start: a forecast in about a minute
Three amounts and a few dropdowns are now enough to get a real projection. The quick start sits at the foot of the home page, and inside the app under New plan. It builds an ordinary plan of your own, saved and editable from the first moment, with no copy to make and nothing read only.
Everything it had to guess is listed on the result as a chip: your Social Security, how your savings divide across account types, cost basis, allocation, and how long the plan runs. Open one to change it, or tick it once you have checked it. A plan can be shared once none are left unconfirmed. More in Your first forecast.
Download and upload your plans
Settings now has a Your plans card: download a file of every plan of yours, or upload one to add them in another browser. Names travel with the file. A share link is still the way to send a plan to someone else, it leaves names out on purpose.
Safari and iOS browsers clear saved plans after some time unused. If you would rather not retype the numbers, keep a copy of that file so you can later upload it back to the app.
Share a plan
You can copy a link to one of your plans and send it to someone. The plan rides inside the URL (nothing is uploaded), so names are left out, the link is long, and it cannot be revoked. More in Sharing a plan.
1,000 simulations
Every forecast now runs 1,000 simulated futures instead of 500, and the code behind them was optimized to make that possible. While a plan is being simulated you can watch the count climb instead of waiting on a still screen.
Allocation editor
The asset allocation card is now the editor: the rebalancing strategy and the plan mix sit on the card itself, and a help button explains the strategy in force.
Rebalancing inside IRAs, 401(k)s and Roths is now split across those accounts in proportion to what each holds, so rearranging the accounts table no longer changes the forecast.
Rebalancing strategies
Rebalancing is now modeled properly. The default is Steer the overall mix, limiting the tax: IRAs, 401(k)s and Roths trade toward your target, and taxable accounts only move as far as they can without adding tax, so the plan never sells a winner just to hit a number. Let it drift never trades to a mix at all and is there as the comparison. Existing plans that already chose Let it drift keep that choice.
Your actual mix across every account now sits in the Total row of the accounts table, next to the balances it is weighted by, with a quiet note when it has moved away from your plan target.
Reorder Inputs
Savings & investments, Liabilities, Income, and Expenses can now be dragged into a new order on the Inputs tab.
First-year tax
First-year tax now uses full-year brackets on remaining income and takes only that share of the bill, and the Cash Flow tab notes when that year is partial.
Asset allocation chart
Added an Asset allocation chart on the Projections tab, showing the stocks / bonds / cash mix year by year.
Rebalancing strategies
Started implementing rebalancing strategies. Each savings account can now hold its own mix of stocks, bonds, and cash, and the first strategy (letting the mix drift with returns) is live in the projection.
Public beta
The first public release. We forecast whether your savings are likely to last, one year at a time, against 500 simulated futures built from market history.
What is in this release:
- Multiple independent plans, plus four demo households to start from.
- A projection engine that models real federal and state taxes, required minimum distributions, early withdrawal penalties, and account-by-account withdrawal ordering.
- A chance-of-success figure measured across 500 Monte Carlo paths, and historical playback for replaying real calendar years.
- Documentation covering how the forecast works, what it does and does not model, and every simplification that can bend your result.
It is a beta, and it is free. Your plans stay in your browser. Tell us what is broken.