What's New - Canadian plans: choose Canada when creating a plan to build with RRSP, TFSA and locked-in accounts, in Canadian dollars. - Jacksonville is available as a retirement location, Florida's most affordable large metro. Improvements - The Early Withdrawal Penalty card names only the account types your plan actually holds. - Desired income carried forward by inflation is rounded to the nearest thousand. Bug Fixes - The Early Withdrawal Penalty card no longer appears for accounts it doesn't apply to. - Cost of living for Scottsdale now matches the published figures.

What's New - Learn topic on retiring before Social Security starts, opened from the info button beside the chart's savings target or from Learn on the Dashboard. - Early Withdrawal Penalty card now appears in Savings Target for plans retiring before 59½, naming the accounts the money sits in. Improvements - Projection chart now labels both lines, and shows the savings target in its header. - Caption under the projection chart explains why the target line falls for a retirement before 62. - Monthly employer match and annual bonus each get their own row in the account editor, with fields large enough to tap. - iCloud sync card says what happened and what it means once each, instead of repeating both. Bug Fixes - Earliest possible retirement no longer treats retiring before 62 as giving up Social Security, so ages under 62 are reachable again. - The savings target no longer rises for retiring earlier on plans expecting no Social Security. - The last age on the projection chart's axis is no longer cut in half. - Total Monthly in Update Data counts employer match on both sides, so removing an account no longer looks like a raise. - A plan with a custom retirement date less than a year away no longer projects a full extra year of growth.

What's New - FutureNest Pro: unlimited plans, unlimited tracked accounts and plan duplication, with upgrade, status and Restore Purchases in Settings. - Without Pro the app holds one plan and four accounts, and anything you already created stays yours. - Social Security is its own step when you create a plan, and declining it says what that adds to your target. - Target Breakdown sheet shows what your savings target is made of. - Projection chart added to Plan Details. - Plans list draws every plan on one scale with its own target marked, so two plans can be read against each other. - What-If Sandbox has its own Dashboard card, takes an exact amount as well as the slider, shows which accounts a contribution change lands in, and offers a way back into the plan it is about. - Tracked accounts can be edited instead of only added and deleted. - Set your primary plan from the Plans list. - Countdown has a state for after your retirement date has passed. - A notice on the Dashboard explains when your target moved on its own to keep pace with prices. Improvements - 29 retirement locations added, including a Caribbean section, Baja, Madeira and the Canary Islands. - Choosing a location explains where its cost percentage comes from and which entries are estimates. - Hero card separates where you end up from the journey to get there, and names the next step even when you are ahead. - Plan Details explains the plan rather than restating the Dashboard, and opens on the timeline. - Update Data asks before discarding what you typed, and deleting an account asks first. - Money fields take whole dollars only, and a long entry no longer zeroes out. - Retirement Lifestyle leads with what a lifestyle costs where you are retiring, with the US baseline beneath it. - A costlier retirement location is no longer flagged as a problem. - Countdown and detail card numbers stay readable at accessibility text sizes. - A failed iCloud sync is easier to see and reaches VoiceOver. - Adjust Plan removed from the Dashboard, available in Plan Details. Bug Fixes - The countdown counts down: days remaining fall each day, and your age moves with the calendar instead of staying the age you were when the plan was made. - Retirement locations outside the US were priced on inconsistent scales, so some targets abroad came out far too low. - Journey Progress no longer sits at 0%. - Saves that failed used to look like they worked in Update Data, the countdown, plan creation and plan editing. - Delete All Data puts your data back if it fails, and says what it actually removes. - A cancelled restore no longer claims the purchase doesn't exist. - Two plans could both be marked primary; that is repaired on launch. - An HSA is no longer treated as locked until 59½. - Adjust Plan no longer flattens the rates you opened it to change. - A target already covered by Social Security reads as funded rather than empty. - Social Security estimates follow the real SSA claiming schedule. - Account rows no longer show a value from before your last edit. - The iCloud sync warning clears once a retry succeeds.

What's New - Employer matching support: add a monthly match and annual bonus per account (dollar amounts) - Employer match is included in retirement projections - Monthly Gap added to Key Numbers showing extra savings needed per month to reach your goal Improvements - Account Breakdown now appears at the top of Plan Details - Early Withdrawal Penalty card is now collapsible - Total Monthly in Update Data now includes employer match - Done button added above numeric keyboards throughout the app - Adjust Plan removed from Dashboard, available only in Plan Details Bug Fixes - Editing a plan with accounts no longer defaults to the simple savings view - Switching between simple total and account breakdown no longer clears your accounts

What's New - Rate Us option added in Settings Improvements - Plan Details now shows the correct blended return rate when using per-account growth strategies - iOS 17 support added Bug Fixes - Fixed per-account growth rates not being applied to retirement projections

What's New - What If Sandbox — Explore different retirement scenarios by adjusting your savings rate, monthly contribution, expected return, and desired annual income to see how each decision shapes your future. - More Retirement Locations — Browse an expanded list of destinations to find the right place for your next chapter. Bug Fixes - Fixed an issue where the plan selection list couldn't be scrolled, making some plans unreachable.

What's New - Plan details now include a Retirement Timeline showing your earliest retirement age based on current projections, with a bridge fund estimate when early withdrawal penalties apply.

What’s New - Improved Cloud Sync messaging with clearer status updates and better guidance when iCloud sync encounters an issue. Bug Fixes - Fixed an issue where monthly contribution amounts could display without a trailing zero in some fields. - Fixed an issue where the Update Data sheet did not close after tapping Save.