What's new

Retirement date on the Dashboard

v11.97 · October 17, 2026

• Retirement day chip shows the date. It now names your retirement quarter next to the gap; Pro adds how many months earlier or later lands the planned pot. No numbers change.

Income lines show this year

v11.96 · October 6, 2026

• Clearer income streams. Each line now shows what it adds in the rest of this year, and a bonus already paid is marked as in your balances. No numbers change.

Today's or future dollars, and labelled money flow

v11.94 · October 3, 2026

• Today's dollars, start-year dollars or fixed: every income and expense line, and Add a life event, now says how its amount behaves over time, and the Cash flows tables fit without scrolling.
• US health costs, by name: ACA premiums and Medicare + IRMAA now show as their own lines in the year inspector and money flow. ▶ Health costs before 65
• Money flow adds up: the spousal Social Security top-up, life-phase trims and the OAS raise at 75 no longer land in "Unallocated".
• Retirement-day line: a small shortfall now shows in amber, matching "behind". No numbers change.

US survivor Social Security

v11.88 · October 1, 2026

• numbers changeUS survivor Social Security: after a spouse dies, the survivor now keeps the larger of the two benefits, as Social Security pays it. Canadian plans don't change. ▶ Social Security for couples

Die with zero, and Optimize requirements

v11.87 · September 29, 2026

• Pronumbers changeOptimize requirements: every answer — and the RSU walk-away year — now has to meet your survival odds: 50 % Monte Carlo and 80 % S&P history unless you change them.
• ProOne Optimize run: the soonest you can retire with just enough to last, plus 💸 Spend more — how much more you could spend, starting now or at retirement. ▶ Die with zero, tested
• Life on Cash flows: taper discretionary spending with age (tapering lines are marked), plan experiences and gifts, or add your own life event. ▶ Go-go, slow-go, no-go
• Leave behind at least… an amount you want left at the end; the survival odds count ending below it as a miss.
• Unspent money: when a typical run leaves years of spending unused, the Dashboard says so.

A tidier Dashboard accounts table

v11.85 · September 28, 2026

• Debts show their type on the Dashboard (Mortgage, Line of credit…), matching the Accounts page.
• “Room left” card removed from This year — it showed the yearly limit, not what’s actually left. No numbers change.

Life events, pensions, health costs and a light theme

v11.84 · September 27, 2026

• Try it before you add it: ＋ Life event (a home, a car, a child, a sabbatical…) and a 🏦 workplace pension helper on Cash flows. ▶ Test a life event
• numbers changeUS couples: the lower earner now gets the Social Security spousal top-up.
• US health costs (optional): ACA premiums before 65 and Medicare with IRMAA from 65, priced from your own income.
• ProOptimize for survival odds with claiming ages tested, a ⚖ side-by-side of what each goal gives up, and a printable report.
• Light theme and a calmer layout: switch with ☾/☀ in the header, a four-section Plan page, and shorter, tap-to-open pages on phones.

Real state taxes, a benefits helper and a simpler start

v11.77 · September 26, 2026

• numbers changeUS tax: real brackets in seven high-tax states, state retirement exemptions, and a surviving spouse files single.
• numbers changeCash interest is taxed each year, OAS rises 10 % at 75, and a Div. % column applies the dividend credit.
• Government benefits helper: CPP/QPP, OAS or Social Security at every start age, added in one click. ▶ CPP and OAS: 65 vs 70
• A simpler start: one welcome screen, a grouped menu, and Start my own plan from any sample.
• Tidier tables and a two-row header on phones.

Measure each fund over its own history

v11.71 · September 25, 2026

• ProPer fund switch in Investment strategy: a young fund no longer cuts the others' history short. ▶ Where returns come from
• Expense streams sort on any column.

A one-stop Dashboard

v11.69 · September 22, 2026

• One status row of chips replaces the banner and trend strip.
• More on the cards: sparklines, savings rate, contribution room and your marginal tax rate.
• A ten-year timeline of upcoming milestones, and your baseline drawn on the chart.
• No numbers change.

Ahead or behind on retirement day

v11.65 · September 21, 2026

• Retirement-day verdict: your nest egg on retirement day vs your baseline's.
• Pro…in months: how much earlier or later you could retire on the same pot.

Two survival numbers, and tax engines checked line by line

v11.64 · September 20, 2026

• numbers changeS&P 500 history test rebuilt with each year's real inflation — most plans score higher — and the Dashboard shows both numbers.
• numbers changeTax engines checked line by line: Canadian CPP/EI credits, the Ontario Health Premium and 65+ amounts; US senior deductions.
• numbers changeRSU vests are their own line wherever pay is shown. Totals are unchanged.
• Pronumbers changeRRSP top-up / Roth-conversion tests use your own bracket edges; 🚀 markers show what Optimize can change.
• Flexible spending in down markets, and Pro lever tests that rank what moves your odds.

Tutorials: ▶ Monte Carlo vs S&P 500 history · ▶ Sequence-of-returns risk · ▶ Reading your dashboard

Am I on track? And a pro-rated first year

v11.57 · September 19, 2026

• numbers changeThe first year is pro-rated — near-term figures come out lower.
• On-track card: how many months ahead or behind you are, and why — Pro plus the change that closes the gap. ▶ Monthly check-in
• "Balances as of" date on Accounts, and a new-year prompt to roll amounts forward.
• ↻ Market data refreshes FX and RSU quotes in one click.

A sharper FI target, and copy between scenarios

v11.48 · September 17, 2026

• numbers changeThe FI target separates ongoing spending from costs that end.
• ProFailure causes for failed simulation runs.
• Copy to / Copy from on every table.
• Tidier money fields and an investment-mix donut.

One-time expenses, investment strategy

v11.35 · September 13, 2026

• numbers change"At retirement" is measured on your retirement date.
• One-time expenses, optionally repeating.
• ProMore vesting schedules and holdings: quarterly RSUs, mutual funds and manual holdings.

Per-account floors, one Optimize button

v11.10 · September 11, 2026

• Minimum balance per account.
• ProOne Optimize button.
• Anonymous usage counts — no cookie, no IP. Details.

New Projection charts, repeatable simulations

v10.96 · September 9, 2026

• numbers change2026 Canada payroll figures and chart-accuracy fixes.
• Same plan, same odds on every reload.
• New Projection charts: money flow, liquid net worth, debt paydown.