• Search — find anything in the app from one place. Search your tools, Learn articles, glossary terms, published legislation, app pages, and your own saved scenarios. Open it from the search icon in the sidebar, the menu on mobile, or press ⌘K (Ctrl+K) on the web app. The Alerts bell now lives in the sidebar navigation under Timeline. • Timeline, sized for your desktop — on larger screens the Timeline now pairs the milestone spine with a detail panel alongside it. Select a milestone to read the rule behind it — its basis, statute citation, and related Learn articles — without the page shifting under you. Before you select anything, the panel shows your next projected milestone plus your horizon and alerts; your income plan shows its status and year-by-year chart. On phones the Timeline works exactly as before. • Income Plan: reserve part of an account for spending. Set an optional "reserved for spending" amount on any account and the drawdown projection runs on what remains. The account card and assumptions panel disclose what was set aside. • St. Cloud sick leave — your sick-leave hours can now be entered in the setup wizard's Career step and in the scenario editor, not just the profile editor. FIXED — retirement income totals • One income total, everywhere. Every surface — dashboard, income breakdown card, retirement summary, wizard results, household tab, PDFs, and the plan narrative — now shows the same total: pension + account drawdown + Health Insurance Subsidy. Previously the dashboard and breakdown card could disagree by the Social Security amount. • Social Security is shown on its own labeled line ("Social Security from age 62: +$1,400/mo — not included above") rather than folded into the headline, since it begins at your claiming age. The % of AFC ring uses the same total. If you entered a benefit, the app applies the Social Security Administration's statutory claiming-age adjustment, shown step by step in "How was this calculated?". No tax is deducted from displayed totals; amounts are before taxes. • Every "How was this calculated?" equation now adds up: the bold total is the exact sum of the lines above it, including the Health Insurance Subsidy when projected, with the spouse DROP lump sum marked as paid at DROP exit rather than omitted. • The Health Insurance Subsidy, when expected, joins the headline total everywhere and is itemized as its own line (still subject to annual legislative appropriation). FIXED — projected retirement age • Projected retirement and separation ages now include the months since your last birthday. Previously the projection started from your age in whole years, which could understate the projected retirement age by up to a year. Timeline year labels use the same corrected age, and ages display with one decimal. For vested members who separate early, projected collection now begins at the normal retirement age. • The Eligible milestone uses the same corrected age, so it matches the markers beside it. Eligibility dates reached by age land on the actual normal-retirement birthday — including exported calendar events — instead of up to a year later. • Spouse milestones share the corrected age base. For a spouse whose retirement is reached by age, the projected working window now ends on the normal-retirement birthday, which can slightly reduce projected spouse service and pension. • DROP scenarios say so on the card: "After 20.5 years of service + 5 years in DROP" — the age is your projected DROP exit; pension service is fixed at DROP entry. FIXED — mobile navigation • The Timeline tab now always appears in the bottom bar when you're signed in. Previously the bar could keep showing "Get Started" in Timeline's slot until you signed out and back in. Finishing setup now updates the navigation immediately.

What's New - Timeline — a new view of your retirement milestones (vesting, retirement eligibility, your DROP window and participation period, Social Security and Medicare ages, and the dates you set), ordered by distance from today. Tap any milestone to see the rule behind it, with its statute citation. The Timeline takes the Alerts spot in the bottom navigation; Alerts itself is unchanged and is one tap away via the Timeline's bell or its alerts row. - Your withdrawal rate, your call — the drawdown rate applied to your retirement accounts is now an input you control (previously a fixed 4%). Every projection surface uses the rate you set. - DROP lump-sum destination — you can now record what you plan to do with your DROP lump sum at exit. A rollover or conversion destination adds the lump to your drawdown base, so projected monthly income includes a separately labeled "DROP rollover drawdown" stream — on the dashboard, income chart, calculation breakdown, household timeline, scenario comparisons, and PDFs. Cash-out (or leaving it unset) projects exactly as before. - Income plan — set a target annual income and test whether it holds to an age you choose. Your pension (with your elected payment option and COLA), Social Security amounts you enter from your ssa.gov statements, and your retirement accounts in the draw order you set are simulated year by year, including required minimum distributions. The plan lives on your Timeline as a single card: adjust the target and watch the answer update, find the highest income that holds, and open the year-by-year flow to see every stream — including a survivor view based on an assumption you set, in either direction. Tap any year in the flow to see that year's dollars: pension, Social Security, each account's draw, its required minimum distribution, any amount the minimum forces out beyond your plan, and the year's gross total. Setup pulls your account balances from your saved scenarios and prefills from the active one; and if a scenario models DROP with a rollover destination (457(b), traditional IRA, or Roth conversion), you can add a separate "DROP rollover (projected)" account seeded with the lump sum projected from your inputs and dated at your DROP exit — held aside until that year, then drawn in the order you set, never merged into a balance you entered. All amounts are gross, before taxes, and every assumption is listed with its source. Fixes - Fixed "Narrative unavailable — tap to retry" appearing for valid projections (decimal figures such as "15.6%" were miscounted as sentence breaks). Rate-limited regeneration now shows your most recent narrative with the date of the inputs it reflects, instead of an error.

PensionForge is now multi-system. Until now, PensionForge modeled the Florida Retirement System (FRS). Version 1.4.0 adds its first non-FRS pension system: the City of St. Cloud Police Officers' and Firefighters' Retirement System (Chapters 175/185). If you belong to St. Cloud Police or Fire, you can now model your retirement with your plan's actual rules — not an FRS approximation. NEW: ST. CLOUD POLICE & FIRE (CH. 175/185) • Banded benefit multipliers applied by your years of service • Sick-leave accrual credited toward service • The plan's delayed flat COLA (1% per year, beginning after the statutory wait) • DROP modeled on your election — the fixed statutory rate or an assumed market rate • Pre-retirement survivor benefits in the plan's ten-year-payable form • Projections, disclaimers, and PDF reports that cite St. Cloud's plan documents, never FRS statutes Pick your system during onboarding at Get Started, and every calculation, citation, and disclaimer follows the plan you chose. ENGINE ACCURACY UPDATES • Regular Class pension multiplier now follows the full service-year tier ladder in section 121.091(1)(a) • Purchased service credited at the Regular Class rate, with cost-basis notes • 2026 tax data refreshed: standard deductions, the SSA taxable wage base ($184,500), and rules for several relocation states • Section 72(t) age-55 separation exception modeled for early-withdrawal timing • Special Risk line-of-duty-death survivor pension corrected to 100% of salary • A repealed reemployment provision removed PensionForge estimates and projects from the inputs you provide, for educational purposes. It is not a financial advisor and does not tell you what to do. Questions: team@pensionforge.com

PensionForge 1.3.0 — Household & Beyond This release grows PensionForge from a single-member pension calculator into a household retirement planning tool, and introduces a new guided "Decision Flow" experience. NEW TOOLS • Survivor / Death Scenario Modeling — estimate what your family would receive if you pass away in active service, during DROP, or after retirement. Projects your FRS survivor benefit under each payment option, side by side, alongside estimated Social Security survivor benefits, life insurance, and any DROP balance — including line-of-duty-death provisions (spouse pension, state lump sums, and federal PSOB). • DROP Exit Strategy — for members leaving DROP with a lump sum, estimate the multi-year federal tax picture of each way to deploy it: a governmental 457(b), a Traditional IRA, a Roth conversion, cash, or a custom split. Includes required minimum distribution timing (SECURE 2.0), the public-safety §72(t)(10) early-withdrawal rule, and how withdrawals interact with Social Security taxation. Strategies are shown side by side, never ranked. • Service Credit Purchase — estimate the cost to buy credit for prior military, other-Florida-public, or out-of-state service, and see the projected effect on your credited service, monthly benefit, normal retirement date, DROP eligibility, and breakeven. • Re-Employment Restriction — check whether returning to an FRS employer after retirement would suspend your pension, and for how long, under the 6/12-month limitation. ALSO IN THIS RELEASE • Refreshed household income wizard, aligned with the smoother onboarding experience. • New mobile Menu drawer that mirrors the full desktop sidebar, so every tool stays reachable on your phone as our toolset grows.

Every FRS Membership Class, One App PensionForge now models all five FRS membership classes with class-specific multipliers, vesting schedules, and retirement thresholds — all sourced from Chapter 121 of the Florida Statutes: • Special Risk Class (firefighters, law enforcement, corrections, paramedics/EMTs) • Regular Class (teachers, state/county employees, university staff) • Special Risk Administrative Support Class • Senior Management Service Class • Elected Officers’ Class (Judicial and Other Officers sub-tiers) Select your role in the onboarding wizard and the engine configures your retirement picture automatically. Special Risk COLA Floor (HB 5205E) The projection engine now incorporates the minimum 1.5% annual cost-of-living adjustment for eligible Special Risk Class retirees, effective July 1, 2026, as established by HB 5205E (2026 Special Session E). Each July 1 beginning after the fifth anniversary of retirement, the annual adjustment is the greater of the existing prorated COLA factor or 1.5%. If your prorated COLA under existing law already meets or exceeds 1.5%, your projections are unchanged. Faster Onboarding The wizard has been streamlined — pick your role on the first screen, fill in salary and career details, and see a live retirement projection with fewer taps. Inputs are grouped where they make sense and the information density is balanced so nothing feels overwhelming.

Your retirement projection now appears as a full interactive dashboard before you create an account — the same view you'll use after signing up. Explore your numbers, adjust inputs, and see projections update live. When you're ready, save your projection with a free account and pick up right where you left off. We also streamlined the setup flow. Each step is cleaner and easier to focus on: your live estimate and the Back/Next buttons now share a single bar at the bottom of the screen, and in-depth explainers — like the Health Insurance Subsidy (HIS) and how DROP works — stay tucked away until you want them. A quick way to sign in or reach your dashboard is always within reach. Also in this update: improved reliability when saving your first scenario during sign-up.