2.8.1: Accuracy Improvements Multi-Year Plan - New: see how the plan changes if one of you dies first. Pick who and when under Advanced assumptions; the plan switches to single filing the following year, and a Survivor scenario card shows lifetime tax and ending assets next to the plan with both of you living. - Income owned jointly (wages, pensions, interest, dividends, gains and other income) is now included in the plan, counted once. A joint pension is shared between spouses for state retirement exclusions, as it is on the Tax Summary. - A Social Security benefit you already receive is now included in every year of the plan, rising with the plan's inflation rate. - VA disability and tax-exempt interest you enter now help pay your spending. Tax-exempt interest also counts toward the taxation of Social Security and toward IRMAA and ACA income. - Each interest, dividend or capital gain entry can now say whether a taxable account already produces it or it is additional. Entries that may overlap an account are marked "Needs a choice", and the plan is labelled provisional until you choose. The Multi-Year Plan asks once, in one place, and shows what you entered next to what your accounts' yields produce. - Taxable accounts have a new "How to estimate yields" guide that shows which line of your 1099 goes in which field. - Planned cash gifts are now paid from your savings, after living expenses. A gift the plan cannot pay for is not deducted. - If a plan would reduce your ACA premium credit, the lost credit is paid from your savings. - Medicare surcharges in a plan's first two years now come from your income in the two years before the plan, which you can enter under Advanced assumptions. A Roth conversion early in the plan no longer raises premiums it cannot affect; it raises the premium two years later, as Medicare does. - Each year chooses the standard or itemized deduction from its complete result, including tax paid from your IRA, and income-based deduction limits are checked again at the year's final income. - The plan now updates after any change to your household, and "Reset to optimal" changes only the Roth conversion. - The screen keeps responding while the plan recalculates. - The year editor notes that wages and pensions owned jointly are not changed by its entries. State and federal tax - California uses its published 2026 brackets, standard deduction ($5,900 single, $11,800 joint) and exemption credits. - California and the District of Columbia limit itemized deductions at higher incomes as each requires, and California's choice to itemize is made separately from your federal return. - ACA subsidies in Alaska and Hawaii use their own federal poverty guidelines. Multi-Year figures will change for households with jointly owned income, Social Security already being paid, VA disability, tax-exempt interest, planned cash gifts, ACA coverage or Roth conversions in a plan's first two years.

Ready for the 2027 tax year - 2026 and 2027 now have separate saved plans. Start 2027 from your 2026 plan and switch years using the Tax year menu on any screen. Each year uses its own tax rules, with projected and carried figures labelled. - The app opens in the new tax year and labels any figure not yet published for it as projected or carried from an earlier year. Tap the label, or open Tax law status in My Profile, to see the source of each figure. - Multi-Year Plan shows which years use projected federal law, and the CPA briefing and Tax Summary PDF say the same. Tax accuracy - More accurate state income tax in 23 states and the District of Columbia, including exemptions, age 65 amounts and credits, the federal senior deduction for itemizers where a state allows it, and Arkansas's new 2026 rate. - Enhanced state calculations for Vermont and Maine: Vermont's Social Security exclusion, with the more beneficial of its one-per-year choices applied automatically, and Maine's income-based phase-out of its pension deduction. - Maryland's 2% tax on net capital gains for federal AGI over $350,000 is now included, and multi-year plans use the rates already enacted for future years in North Carolina, Mississippi and Rhode Island. - Refined state tax for Missouri, New Mexico, Arizona and Colorado to match how each state treats the federal senior and age-65 deductions and Colorado's limit for high incomes. - The Alternative Minimum Tax now follows IRS Form 6251 line by line, including how medical expenses, the standard deduction, the senior deduction and capital gains are treated. - Social Security estimates use the newly published 2025 national average wage index and 2027 benefit formula figures. - The Scenario Summary and printed report now count your full RMD in the starting point, so a qualified charitable distribution's tax saving appears in the results. - The IRMAA amounts shown for a QCD, Roth conversion or IRA withdrawal now count tax-exempt interest, so they match the Scenario Summary. - QCD eligibility now counts from the day you turn 70 1/2, all day. - Stock donated on the one-year anniversary of purchase is treated as short-term, as IRS rules require; long-term starts the next day. - The Tax Summary and Multi-Year Plan show the date a QCD or stock gift is assumed to happen. - Tax dates follow the standard calendar even if your device uses another calendar system. Multi-Year Plan - Living expenses and HSA amounts take typing smoothly again, and the Future dollars / Present value choice is labelled as applying to lifetime totals. - Multi-Year Plan's Assumptions now labels brokerage money as "Taxable (non-IRA) accounts" and notes when living expenses still hold the starting placeholder. - Multi-Year Plan's giving summary shows only the gifts the plan models; a one-time stock gift is noted separately. Backups and restores - A backup includes what you just typed - After a restore, every screen, including the Multi-Year Plan, shows the restored data immediately - If saved data ever cannot be loaded, the original is kept and a note under Your Data tells you

2.7.5: Accuracy Improvements Multi-Year Plan - Extra withdrawals you set in Scenarios, from your own IRAs or from inherited IRAs, are now included in the plan's first year, on top of any required distribution. Each spouse's withdrawal comes from that spouse's own accounts - A gift of appreciated stock set in Scenarios is no longer repeated as yearly charitable giving funded from your IRA - When the plan compares itself with the best plan it can find, it now keeps your Scenario withdrawals in both, so "Reset to optimal" brings you back on plan CPA briefing - The year-by-year table adds an Extra column beside RMD for withdrawals beyond the required amount Scenarios - The state bracket card now figures its average rate on your state taxable income, the same figure the printed report uses, so a flat-rate state like Massachusetts reads its true rate - Before and after figures now share one starting point, the same one the printed report uses: your required distributions, pre-tax contributions and any AMT you already owe. A scenario with no decisions shows no change, and a required distribution is no longer counted as the scenario's effect in IRMAA, NIIT or bracket messages - The Scenario Summary's effective rate is now tax per dollar converted or withdrawn - Surviving spouse figures now model the first full year after a spouse's death, filing single - Pre-tax contributions are saved and kept by Reset Scenario - ACA subsidy bar labels no longer overlap Quarterly Tax - The Safe Harbor card follows the Federal and State picker, with each one's own rules - Delete asks before removing an entry - Reset Scenario leaves recorded entries in place, and the cards now say how many Printed report - The Base Case column includes pre-tax contributions and AMT - Safe Harbor shows federal and state separately Your Data - New in My Profile: Export my data saves a backup of everything you have entered. If you ever need it, Restore from a backup puts it back - Your entries are saved whenever the app moves to the background General - Get Started now shows the app version Scenario and report figures will change for households with required distributions, pre-tax contributions or AMT.

2.7.4: Accuracy Improvements Multi-Year Plan - Each future year now uses that year's projected federal tax law. Brackets, the standard deduction and other amounts the tax code indexes rise each year the way current law sets out, as do IRMAA thresholds and the ACA poverty line. Figures already published, such as the 2027 ACA table and the Medicare Trustees' premium projections through 2035, are used as published. State tax rules are held at 2026 levels, and the plan says so - Two new Advanced assumptions: how far chained CPI runs below your inflation rate, and how fast Part B premiums grow after 2035 - The plan search now compares a wider range of conversion schedules, including steady conversions spread over several years, every time it runs. It never returns a plan that scores worse than converting nothing, and conversions stay outside your IRMAA safety buffer - The plan's goal is now named Lowest lifetime tax cost. It combines modeled taxes over the plan with deferred tax remaining in traditional IRA assets at the end, and values future amounts using your assumed investment return - The approach comparison now leads with that lifetime tax cost, the measure the plan is chosen on. Present-value tax paid is shown as a separate, labelled row - Every figure in the comparison now names its basis, and each column shows whether its plan funds all spending and tax - Years where planned spending cannot be paid are now shown as unfunded, and when no plan can fund every year the screen says "No fully funded plan found." - Tax is now paid in full each year under the tax-funding method you chose, including the tax on gains from selling investments to pay it - New Survivor stress test for couples: if the higher-earning spouse dies at the start of the plan and the survivor files single, it shows how lifetime tax cost would change, higher or lower. The survivor receives the larger Social Security benefit; other planning assumptions remain unchanged - With legacy planning on, the owner and heirs trade-off, the plan on screen, the comparison and the CPA briefing now all describe the same plan for your chosen weighting - The income and tax thresholds chart now shows each year's projected thresholds - Modeled conversions are described as "modeled" throughout - Required minimum distribution cash not needed for spending now pays that year's tax first, before investments are sold or more is withdrawn from an IRA CPA briefing - Leads with lifetime tax cost, with present-value figures shown at your stated discount rate - The year-by-year table adds ACA and NIIT and a total tax column that sums to lifetime tax paid - Adds the Survivor stress test and states the present-value rate used for reporting Scenarios and Quarterly Tax - Mark as taken now asks for the date each withdrawal was made and lists every one you record. Add a later withdrawal to the amount, then mark the added amount as taken on its own date - The Roth conversion card now takes state withholding as well as federal, and Quarterly Tax and the printed report count it toward your state tax - The printed report's State Average Rate and State Marginal Rate are now figured on your state taxable income - On Mac, printed reports keep each table row whole across page breaks

2.7.3: Accuracy Improvements * This year's state tax is now calculated from your federal AGI, so a pre-tax 401(k), HSA, traditional IRA or other pre-tax contribution is treated the way your state's own rules treat it. For a state that follows the federal treatment this lowers state tax by the full contribution (about $1,797 a year on a $30,000 401(k) in Rhode Island), and for a state that taxes the contribution, such as Pennsylvania's 401(k) or California's HSA, it is now counted once rather than twice, about $921 on the same contribution in Pennsylvania * The Tax Summary, Scenarios, the printed report and the State Comparison all reflect this, including the printed report's "if you did nothing" column * California's exemption credit is now reduced using your federal AGI, as California's own worksheet does, so a California household contributing to an HSA keeps credit it was not receiving, about $12 a year for a single filer under 65, and more at 65 or over * If you enter only your age-70 or age-62 Social Security estimate, the app now works out your full-retirement-age benefit from it and uses it everywhere, including the multi-year plan * Choosing the standard deduction now completes the "Add deductions" step in Setup Progress * The Tax Summary's export button is now labelled "Export Tax Summary PDF" * Rhode Island's personal exemption of $5,250 per filer is now applied, and both it and Rhode Island's standard deduction phase out in steps above $261,000 of income, as Rhode Island's schedule sets out. For most Rhode Island filers this lowers state tax by about $197 to $314 a year; above that income it can raise it * Near the ACA limit of 400% of the poverty line, the Scenarios warning now shows the premium credit you would actually give up by crossing it, based on the benchmark premium on file * In Idaho and Mississippi, the state marginal rate in the advisor report, the Dashboard's per-dollar savings estimate and the Conversion Lens is now zero below each state's zero-rate threshold * An ACA benchmark premium you enter in Settings now also carries into the multi-year projection and its recommended conversions * You can now set federal and state withholding on withdrawals in Scenarios, as a dollar amount or a percentage. Quarterly Tax counts it toward what you have paid, and "Mark as taken" records it * Withholding from a Roth conversion now counts toward your coverage on Quarterly Tax * New: enter foreign tax paid (1099-DIV box 7) on Income & Deductions. It is taken as a credit against this year's federal income tax and shows on the Tax Summary, Quarterly Tax, the printed report and the Conversion Lens * HSA, traditional IRA and other above-the-line deductions now reduce the income used to work out how much of your Social Security is taxable, as the IRS worksheet does. If you have them, this can lower your taxable Social Security and federal tax, this year and in the multi-year plan * The per-decision tax figures in Scenarios and the printed report now come from the same calculation as your total tax, so each shows exactly what that decision adds or saves * IRMAA and Medicare costs now follow each person's Medicare start age, set in My Profile. At 63 and 64 you now see the IRMAA your income sets for when you reach Medicare, and a household aged 65 or over that has not chosen its Medicare coverage sees the standard cost until it does * Number fields open a number keypad, and every number keypad has a Done button * Scenarios and My Profile now note that changes save automatically * The legacy planning note explains what modelling a single heir means when an estate is shared * New York tax now uses your New York itemized deductions whenever they are larger than New York's standard deduction, whether or not you itemize on your federal return. For a New York household that takes the federal standard deduction, this can lower New York tax

2.7.2 — Accuracy Improvements: • Multi-year projections now apply each state's standard deduction and personal exemption in every projected year, lowering projected state tax wherever a state grants them • Each state's own treatment of charitable giving now reaches the Tax Summary, the printed report and the State Comparison, so a state that limits a charitable deduction or allows none is modelled that way, which can move state tax in either direction for households that give • Idaho and Mississippi now apply their rate only above each state's own zero-rate threshold, lowering state tax by about $255 a year for a single Idaho filer, about $510 for a joint filer, and about $400 in Mississippi • The advisor report now describes how cash charitable giving is treated, and prints that note only when a plan includes a cash gift • Mississippi's per-spouse threshold and filing-status exemption, and Iowa's low-income exemption, are now stated beside the figures as limits the app does not model • Amount fields on the Scenario cards now look like fields, and an empty amount shows its prompt instead of a zero you have to clear first

The Conversion Lens now explains every change in the cost of a converted dollar, including the senior deduction phaseout, the SALT cap, capital-gains stacking, and where Social Security stops becoming taxable, and names a one-time jump in dollars rather than as a rate. Quarterly Tax shows one set of figures on every screen: projected tax, what you have paid or had withheld, and the balance expected at filing, with a check for withholding entered without its income.

2.7.0 - The Cost of Every Converted Dollar (with thanks to Steve Nicolai, whose sharp review feedback inspired this feature) * Scenarios now charts the cost of each dollar you convert: a step-by-step curve from the first dollar to your amount, split between federal and state * Markers name what changes along the way: where each federal bracket begins, where your state's rate steps, and where surcharges like the 3.8% Net Investment Income Tax start applying * Two readouts summarize the curve: your average cost across every dollar converted, and what one more dollar would cost from here * A look-ahead shows the next cost change beyond your amount, so you can see what a larger conversion would run into * Even before you enter a conversion, a preview shows what the first dollars would cost * General display improvements and fixes across the app, including report printing and a rare freeze on the Mac Scenarios screen

- The Quarterly screen now answers whether you are on track: a status card shows your projected position against the next IRS due date, your annual safe-harbor target, and buttons to record a payment or update withholding - Estimated payments are now a ledger with dates and amounts, federal and state, in place of the four Paid switches; your existing entries carry over automatically, and a payment saved as one combined amount asks to be split between federal and state - Withholding is credited evenly across the four due dates, following the IRS rule, so withholding late in the year counts toward earlier installments - Withholding that started partway through the year can now say so, and is counted from that date, which can move projected coverage in either direction - Coverage at each due date, the payment ledger, and your safe-harbor target now print in the PDF report - What the screen does not calculate, including self-employment tax and the under-$1,000 exception, is stated plainly beside the figures - Tapping a saved income source or deduction now opens it filled in on the first tap - Display refinements, including the required-distribution age reading 70½ for birthdays before July 1949

2.5.2 — 403(b)/457 State Selection and Accuracy Improvements * Government-employer 403(b) and 457 plans can now record which state's government, on both income sources and accounts — the same selector government pensions already have * Existing government 403(b)/457 entries are invited to add their state; nothing changes until you answer * Federal deduction and surcharge thresholds refined — the age-65+ senior deduction, IRMAA, the net investment income tax, the medical expense floor, and the SALT cap — which can move projections in either direction * Inherited IRA guidance for a surviving spouse updated: distributions now start in the year the IRS rules specify when the owner died before their required beginning date, and the life-expectancy divisor follows the IRS greater-of rule * Inherited IRA entries now ask for the details the beneficiary rules require * Clarified local-tax descriptions and repaired reference links

2.5.1 What’s New: • State tax figures updated to published 2026 amounts in nine states, which can move projections in either direction • State tax credits now shown where they apply, so the math on screen matches the total • Maine and Alabama calculations refined against their published forms • Each state's comparison page now shows its verification date

• Multi-Year plans: enter your own wages and pension income for any future year, per spouse, including one-time amounts • State tax accuracy: retirement exemptions are now applied per spouse in the 16 states whose laws work that way • New state calculations for Vermont, Idaho, Utah, New Mexico, Hawaii and North Carolina retirement exemptions and credits • New pension questions where your state needs them: who funded the plan, and Bailey settlement vesting in North Carolina • Expanded model information for multi-year projections

Accuracy Improvements Updated state tax calculations for Delaware, Louisiana, Maine, Maryland and Wisconsin to match each state's published 2026 figures and age requirements. Some projections may shift in either direction as a result. Expanded the per-state accuracy pages so you can see what is and is not modeled for your state.

State Comparison now applies each state's own rules to a pension earned elsewhere, correcting the figures shown when you compare where to retire. The in-app accuracy page has also expanded: it now shows the tax year for every state, publishes verification dates and source links for 28 states, and names more of the situations the app models approximately.

Your state tax result now reflects the kind of retirement income you actually have, rather than treating every pension alike. Kansas, Massachusetts, Arizona and the District of Columbia have updated treatment for government, military and survivor pensions, and you can identify your pension type in Income Sources. Every state also has a new accuracy page showing what the app models for that state and tax year, and what it does not yet capture, so you can see how your number was produced. Required minimum distributions now identify which spouse they belong to throughout, and numeric fields place the cursor at the end of an existing value.

2.3: Choose How You Pay Conversion Tax • New: decide how each Roth conversion's tax gets funded. Withhold it from the conversion, pay it from your other accounts, or pay it from money outside the plan. Existing plans keep the behavior they already had.
• Federal withholding is applied against federal income tax only. State tax, IRMAA, NIIT and ACA amounts are funded separately rather than netted against a federal overpayment.
• Pennsylvania: the share of a conversion withheld for federal tax is treated as PA-taxable, following PA guidance.
• New funding check: a year whose tax cannot be covered by your taxable and IRA balances is now marked, with the reason on the row and a count at the top of the plan. This is a new check rather than a change to the math, so some existing plans will start showing it.
• Under 59½: the 10% early-distribution penalty is not modeled, and a note now says so where it could apply. Accuracy improvements
• Refined how Social Security becomes taxable at lower provisional income, and a withdrawal taken to pay your tax bill now counts toward that calculation.
• Medicare IRMAA income now follows Medicare's own definition, which does not add back the untaxed portion of your benefits.
• Withdrawals taken to cover a tax bill now solve to the dollar, so ending balances reflect everything actually withdrawn.
• ACA income now includes a withdrawal taken to pay tax.
• Required withdrawals: spouse-owned and jointly held accounts are attributed correctly, and the projection chart's year labels are easier to read.

• NEW: Per-year expense planning — set ongoing or one-time expense changes for any year in your Multi-Year Plan • Clearer comparisons: results now default to present value, on screen and in the CPA export • Refined conversion engine produces smoother, more balanced multi-year recommendations • Plans recalculate instantly when you adjust growth, inflation, or tax assumptions • Added local/city income tax and percent-based state withholding options • Accuracy and reliability improvements throughout

This update sharpens the accuracy and readability of the multi-year plan charts and graphs, so your projections read more clearly at a glance. It also brings a round of user-requested refinements: smoother number entry, higher-contrast Social Security charts, a couples claiming view that fills in correctly when one spouse has already filed, and the option to set tax withholding as a percentage for Social Security (IRS Form W-4V) and other income.

Version 2.1 adds selectable Roth conversion strategies to the Multi-Year Plan. Choose to minimize lifetime tax, fill to a target bracket, or stay under an IRMAA tier, and compare all three side by side with their Medicare, investment-tax, and state-tax consequences. Charitable giving now flows through the multi-year projection, so you can model QCDs and cash gifts and see how timing a gift against a conversion year changes your tax.

2.0.1 — Clearer Multi-Year Insights • New: tap the info button on any Multi-Year chart for a plain-language explanation tailored to your numbers • The OBBBA Senior Bonus (age 65+) now appears on your Tax Summary • Refined how the age-65+ senior deduction is applied, including for filers who itemize

2.0 — Plan Your Roth Conversions Year by Year • A new Multi-Year Plan shows exactly which years to convert and how much, all the way through retirement • Compare your plan against doing nothing, at a glance • Choose whether to optimize for your own taxes or for what you leave your heirs • Brokerage and other taxable accounts now factor into every calculation

New in 1.9: Retirement Drawdown. Model how your IRA and 401(k) balances draw down over time, by target spending, a withdrawal rate, or RMDs only, out to a 40-year horizon, with an indicator for when your income reaches the first IRMAA tier. Plus refined New Jersey and New York retirement-income calculations, and the healthcare-cost planning (ACA + Medicare) now built into the app.

1.8.7 — Updated 2026 Figures • ACA subsidy thresholds and premium percentages updated for 2026 • IRA and 401(k) contribution limits updated for 2026 • Medicare IRMAA premium tiers updated for 2026

1.8.6 — Accuracy Improvements • Improved Social Security taxability calculations for scenarios where benefit amounts are modest relative to other income
• Refined how charitable stock donations interact with net investment income and MAGI — more accurate IRMAA tier and NIIT projections
• Added "Rate RetireSmartIRA" in Settings for easy App Store reviews

Refined state tax brackets for tax year 2026 across 26 states, each verified against state Department of Revenue sources, official forms, and enacted legislation. Improvements include: • Nebraska — top rate 5.20% → 4.55% (LB 754) • Oklahoma — restructured to 4 brackets, top rate 4.50% (HB 2764) • Maine — new 2% millionaire surcharge added • New York — bottom-five bracket rate cuts (Chapter 59/2025) • California, Massachusetts, Maryland, Louisiana, Kansas, Montana, South Carolina, Ohio and 15 more states refreshed Updated for the 2026 federal tax year throughout. Free, no account required.