Guided Workflows for tax valley optimization, survivor planning, and more. Wider range of retirement scenarios including Retire at 40 and 50. New Plan option in the menu. Improved input layout on smaller screens. Fixed Upgrade button on iPad.

Tax-Aware Drawdown — Voluntarily pull from pre-tax accounts during the low-bracket years before RMDs to fill a target tax bracket. Three modes: Fixed, Fill Bracket, Smart Fill (IRMAA-aware). Stacks with Roth conversions. Proceeds go to brokerage with full cost basis — stepped-up basis at death for heirs.

Survivor Planning Center — Model what happens when either spouse passes. Single-filer brackets, survivor SS benefits, pension survivor payouts, life insurance deposits, and expense adjustments. Strategy alternatives tested automatically.

Strategy Report Card — Now tests 10+ alternatives including Tax-Aware Drawdown at 22% and 24%, and the combined Roth + Drawdown play.

Fixes: Maximum Spending solver works correctly with all expense modes. Scenario comparisons adapt to your active spending mode. CSV and PDF exports include drawdown data.

282 validated calculations against IRS, SSA, and CMS sources.

Improved projection accuracy with consistent nominal dollar accounting
Spousal Social Security benefits with early-claiming reduction modeling
Investment return settings sync correctly across all accounts
Keyboard and input handling improvements
Fixed display issues on iPad

• New RMD Calculator: Instantly determine your Required Minimum Distribution (RMD) to ensure you remain compliant and avoid costly penalties.
• Retirement Glossary: Quickly look up financial and retirement terms with our new in-app dictionary.
• Latest Tax Data: Calculations are updated with the most recent tax data and rates for informed retirement planning.
• As always, includes general bug fixes and performance improvements.