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Changelog

One plan, founding-member pricing

New
  • One plan with everything included: $9.99/mo or $99/yr, locked in for life for founding members, with a 30-day money-back guarantee.
  • Link up to 10 institutions, with separate buttons for banks and cards versus investment and retirement accounts. Manual accounts stay unlimited.
Removed
  • AI chat.

Roth optimizer, survivor stress test, risk metrics

New
  • Roth conversion optimizer: pick constraints (fill to bracket X, stop at an IRMAA tier, stay under the 400% FPL cliff) and get a year-by-year schedule showing every cap and which constraint bound - auditable, not a black box.
  • Survivor stress test: model a partner dying at any age and see the widow's penalty (single brackets), the survivor Social Security step-up, and the plan impact side by side.
  • Monte Carlo downside risk: worst 1-in-20 ending balance, expected shortfall across the worst 5% of simulations, and how many years (and dollars of spending) failing paths come up short.
  • Search your transactions by name, merchant, or category.
  • This changelog.
Fixed
  • Recurring expense projections now handle mid-year start dates correctly.

Sharing and search

New
  • Public FIRE progress share links: publish a read-only proof page of your journey.
  • Global search from anywhere with Cmd+K, covering plans, accounts, expenses, and transactions.
  • Recurring expense calendar view.
  • Children can now be modeled with birth month for more accurate tax credits and ACA household sizing.
Improved
  • Rebuilt onboarding into a guided 8-step flow that saves progress as you go.
  • Account deletion is now self-serve.

Holdings and drift alerts

New
  • Holdings views for linked investment accounts.
  • Expense drift alerts when spending trends away from plan.
Improved
  • Verification emails deliver faster and render better.

Mobile app and notifications

New
  • Mobile app (early access): sign in and check your progress on the go.
  • One notification system across email and in-app, with per-category preferences.
Improved
  • Redesigned dashboard header with date-range filtering for charts.

Household end-of-life planning

New
  • Incomes and expenses can now start or end at either partner's end of life, or the household's.

Tax-aware projections everywhere

Improved
  • Every projection engine (FIRE date, Monte Carlo, backtest, scenarios) now models federal brackets, RMDs, Social Security taxation, and early-withdrawal penalties per retirement year.

MAGI tracker and bulk editing

New
  • MAGI tracker: a year-to-date income ledger against the 400% FPL ACA cliff.
  • Bulk plan editing across multiple plans at once.
Improved
  • Provider tokens are now encrypted at rest, and the API is rate limited.

Passkeys and exports

New
  • Sign in with passkeys or social accounts.
  • Export your data any time.

Withdrawal planning suite

New
  • Strategy Lab: compare withdrawal rules (constant dollar, VPW, Guyton-Klinger, and more) against history.
  • Tax planner with Roth conversion headroom, bracket ladder, and RMD preview.
  • Healthcare planner for ACA subsidies and Medicare/IRMAA.
  • Social Security estimator with claiming-age tradeoffs.

FIRE ladder and plan comparison

New
  • FIRE ladder: seven levels from Coast to Fat, each with its own target.
  • Side-by-side plan comparison.
  • Expense pacing visual.