• Monte Carlo Simulation improvements. Each account's investment returns and each expense's inflation vary by the amounts set in Monte Carlo Settings, whether the account compounds monthly, quarterly, or yearly. • UI improvements.

• Import plan files. Open a Retirement Estimator plan file (.financialplan) from Files, Mail, Messages, or AirDrop, or double-click it on a Mac, then choose Replace, Merge, or Compare. • Every plan file is checked in full before anything is imported. If something needs fixing, each problem is listed and nothing is changed. • New Shortcuts actions: Import Plan and Plan Summary. • UI and data import improvements.

• Compare two estimator configurations on one line graph. Open an estimator configuration, press "Compare Graphs," and choose a second one to draw alongside it with dashed lines. • See two plans side by side. Compare retiring at 62 against retiring at 67, or any two scenarios you have set up. • Compare your plan against an earlier version of it. Import a data file you exported previously with the new Compare option, then graph it against your current plan. • Tap any point on a compared graph to see its details along with the name of the estimator configuration it belongs to.

• New transfer setup guidance. When you create more than one transfer from the same source, the app now offers tips and one-tap suggestions to help you set their schedules. • Apply suggestions together. Review the suggested schedule settings across your transfers, apply them in one step — changing only what's needed. • Apply Auto-Fix All to resolve all transfer schedule conflicts in one step. • More on-screen tips as you enter income, investment, and expense details.

• Faster Monte Carlo Simulation. Simulations now run faster, and transfer calculations have been further optimized so large, complex scenarios complete more quickly. • Improved UI Rendering. • Updated Privacy Policy. The in-app privacy statement has been expanded to include third-party service disclosures and user rights information (GDPR/CCPA).

• Monte Carlo Simulation. Run thousands of simulations of your retirement plan to see a range of possible financial outcomes and estimate your Probability of Success. Results are displayed as a percentile chart showing best-case, worst-case, and median portfolio trajectories from P10 to P90 over time. Tap anywhere on the chart for a detailed breakdown at that date. • Monte Carlo Settings. Configure the number of simulations and the volatility parameters for investment returns, income growth, and expense inflation to match your personal risk assumptions. Access Monte Carlo Settings from the Settings tab. • Experiment with your plan. Use the Enabled toggle in CSV Report/Graphing Options to quickly turn income sources, investments, and expenses on and off and immediately see how each change affects your Probability of Success.

• Improved in-app purchase reliability — upgraded to Apple's latest StoreKit 2 framework for faster, more dependable purchases and restores. • iPad fix — resolved a navigation issue affecting the tab bar on iPadOS 18 and later. • General stability improvements and bug fixes.

Reduced displayed graph values from many decimal digits to two decimal digits. Minor updates for iOS 17.

Fixed display of Estimator graph markers. The release of iOS 17 caused graph point markers not to display properly. Updates for iOS 17.

Added the option to align CSV report columns by date. Aligning the CSV report columns by date makes it easier to view the combined income, investment, expense, and transfer activity in chronological order.

Updates for iOS 13.

Automatically convert Income from any payment periodic schedule to any other payment periodic schedule. Automatically convert Expense from any cost periodic schedule to any other cost periodic schedule.

Update help page.

List transfers by priority rather than alphabetically. Update menu for data import.

Import and merge multiple financial data sets. Highlight finances of particular interest with graphing fill colors.

Added help to resolve transfer conflicts.