Built in public.

• ·Guided flows for the four big life changes — New Dependent, Marriage, Divorce, Widowhood
• ·Each wizard updates accounts, budget lines, filing status, and projections together — no hunting through tabs
• ·Engine respects each transition (filing-status-aware brackets, budget items, healthcare premiums recompute automatically)
• ·Accessible from the Life Events button in the app header

• ·Named scenarios — save frozen plan snapshots, switch between them, compare side by side
• ·Comprehensive multi-page PDF plan export with Plan Verdict, Bridge Years, and year-by-year detail
• ·Shared read-only plan link — send a view-only snapshot via secure token
• ·Monte Carlo stress test now included in the PDF
• ·Net worth trajectory chart rebuilt on a log scale so it reads correctly at any wealth level
• ·529 college savings cleanly separated from retirement net worth and FIRE math

• ·Recurring bills calendar — monthly grid with due dates, color-coded by category
• ·Retirement celebration — a moment that marks the day your plan becomes reality
• ·Diagnostics (withdrawal + math audit) consolidated on the Stress Test page

• ·Public landing page, pricing, about, privacy, terms
• ·Single Pro tier replacing Personal + Household split
• ·Launch lifetime pricing ($179, first 500 members)
• ·Next.js route restructure

• ·Single filers no longer see spouse fields throughout the app
• ·ACA premium estimator respects household size
• ·Finnhub integration for live ticker prices on equity grants
• ·4-hour cache, manual refresh, graceful failure handling

• ·isMarried gating constant added throughout codebase
• ·Roth Ladder, Income, Accounts, Liabilities, Equity, Vehicles all respect filing status
• ·Spouse data preserved across filing status toggles (no data loss)

• ·Self-service account deletion with auto-export JSON (CCPA-friendly)
• ·Offline mode with auto-retry on reconnect
• ·Yellow offline indicator in header

• ·Wizard dismissal state persists across devices
• ·Loading skeleton during cloud hydration
• ·Cosmetic auth error fixes

• ·Cloud database (Supabase Postgres) replaces localStorage
• ·Email signup, password reset, email confirmation
• ·Auto-save with 2-second debounce
• ·Migration prompt for existing localStorage users

• ·Pension as first-class income stream
• ·Federal + state AGI/MAGI integration
• ·IRMAA tier impact, Roth headroom calculation
• ·Per-state pension exemption rules (16 states)

• ·Dedicated Net Worth page with assets/liabilities breakdown
• ·Liabilities page tracking credit cards, auto loans, student loans, HELOC
• ·Equity / RSU tracking module
• ·Real estate equity unification across Housing + Properties tabs
• ·FIRE Plan one-page PDF download

Subscription management, tier enforcement, and lifetime tier handling so Pro features can be unlocked.

Long-form articles + embedded calculators targeting high-intent FIRE and retirement queries.

Beyond mobile-responsive web — proper native apps with deeper OS integration.

Algorithm picks conversion amounts year-by-year based on your stated goal (fill bracket, max IRMAA tier, minimize lifetime tax).

Beneficiary designations, trust accounts, inherited IRA modeling, probate avoidance checklist.

Manage 50 client plans, white-label PDFs, co-branded share links, light CRM. Currently 'contact for trial.'

Natural language questions about your plan: 'What if I retire 2 years earlier?' Read-only first, then editing.