New - Help & About now has "Report a bug or share a suggestion". It shows the app's recent events (never your plan numbers) so you can send them with your note. Improved - If one part of a screen can't load, only that part shows a Retry button. The rest of the app keeps working. - A saved plan that can't be opened now appears in your list with an explanation, instead of silently missing. - If the app closed unexpectedly last time, it tells you on the next open and starts in a safe state. - Under-the-hood crash reports are more complete, with any text in them scrubbed, so problems get fixed faster.

New - The Projections tab now leads with your answer: the readiness card comes first, then one Adjust card with your corpus, retirement age and spending sliders and a live "96 → 99" score change as you move them. - The chart is always on screen. Goal, Stress test and the age-by-age ledger are one tap away from rows underneath it. - Sharing your readiness is now a single button at the top of the screen. - A quiet "See a sample readiness check" row on the Start tab shows what a readiness score looks like with no questions to answer. It is clearly labeled as sample data, with one tap back to your own numbers. - Your readiness card now shows how your score has moved since your last check, for example "Was 72 on Tuesday". - If you turn on check-in reminders, you also get one gentle nudge to look again after a week. Improved - The stress-test grid uses a clearer teal scale: lighter is safer, darker is more severe. - Tapping "Spend 10% less" or "Retire 2 years earlier" moves the matching slider for you. - When your plan looks solid, Bhavitta now asks for your feedback a little sooner, once, and never again if you say no. - The "Try a life story" shortcuts now wrap neatly instead of scrolling sideways. - Voice control is paused for now. Everything else works as before. - Under-the-hood stability reporting is more complete, so problems get fixed faster.

New - A refreshed app icon: a gold dollar coin. Improved - Your success rate is now stricter. A plan counts as successful only if your savings stay above zero in every year, not just at the end. Some plans will show a lower score than before, and that score is the honest one. - India costs now grow net of the rupee's slide against the dollar, with a new "Rupee depreciation" setting in Inputs (3% by default). Living in India no longer looks more expensive over time than it really is. - Income, Social Security, college and property tax now rise with inflation the way your living costs do. Mortgage and loan payments stay fixed. - The stress-test grid has clearer text and says what it varies. - Large amounts such as $999,500 now read "$1.0M" instead of "$1000k".

New - "My location" in the city picker suggests the nearest city from your phone's approximate location. It is used once, on your phone, and never stored or sent anywhere. - A new bar at the top of every screen lets you change currency in two taps and open your Inputs from any tab. - An optional "Support Bhavitta" tip in Help & About. Tips unlock nothing: the app stays free, ad-free and private.

New - After you've used Bhavitta on two different days, it asks whether you're enjoying it, once, and only suggests a rating if you are. Improved - Better anonymous usage signals help us see which parts of the app help most. Still no accounts, and nothing about your plan leaves your phone.

New - A 0-100 readiness score answers "am I ready?" with a plain-language reason and the earliest age you could stop working. - See the top changes that would move your score most, then try one as a what-if: job loss, market crash, retiring early or late, moving abroad, or a big expense. Keep it in your plan or save it as a new scenario. - Add life events from a grouped picker (a wedding, a baby, a raise, a sabbatical), or start from a ready-made life story like retiring early or caring for parents. - Compare scenarios with a plain-language winner line. - News: a "See how this affects my plan" link on relevant stories. - Set a private, on-device check-in reminder. Improved - Amounts now show in today's dollars by default. - Clearer Projections: an obvious full-screen chart button and tidier sliders. - The Timeline tab is now "My Plan".

New - Pick a lifestyle tier (Premium, Comfortable, or Modest) for any city right inside the guided questions, and watch your estimated living cost update as you choose. Cross-border plans get their own tier for each place you'll live. Improved - A lighter, calmer background pattern behind the app's controls.

New - Voice control: turn it on in Settings, then build a scenario, add a stage, or adjust an input just by speaking — English or Hindi, or a mix. Runs entirely on-device; voice never leaves your phone, works offline. - A new News tab, Artha: curated retirement and cross-border finance stories — FIRE, NRI, tax, markets — pulled from trusted sources and personalized to your plan, entirely on your device. A live market ticker keeps major US and Indian indices in view. - Bhavitta now marks the moment it finds your earliest feasible retirement age with a small celebration. - A fresh app icon. Improved - Projections' chart legend is now tappable — pick a line to highlight it and see its value. - Clearer labels wherever the app shows more than one kind of "success" or dollar figure on the same screen, so each one reads as a distinct number. - A visible "Export for AI" button and a "10,000 simulations" trust signal, right on the Projections screen. - A one-time explainer the first time you see the projection chart, and a linear/log scale toggle for reading it. Fixed - The News tab's market ticker no longer visibly restarts mid-scroll. - The guided questions' city caption now shows just the city name instead of "City, Country".

New - Pick your default currency once during onboarding — every number in the app speaks it from day one. - City Chooser: US HCOL, US MCOL, VHCOL, and LCOL now live alongside every curated foreign city in one unified picker, and every tier's living cost is yours to edit. - A subtle background pattern gives every main screen more depth. Improved - Scenario cards collapse to just the essentials — tap to expand the rest. Only your most recent scenario opens expanded by default. - A new "View Projections" link on every scenario's insight line jumps straight to its chart. - The feasibility benchmark picker starts collapsed with your current benchmark shown; tap to change it. A Compare button now sits right beside it for easy discovery.

New - Not sure where to start? A new guided path asks a handful of plain questions — your age, savings, where you live, household size, any guaranteed income — and builds a real, fully-editable scenario from your answers, then opens it right on the projection that answers "can I retire now?" Find it on the first empty Scenarios screen or pinned at the top of your scenario list. Improved - Age fields roll like a car odometer as you change them — in the guided questions and when editing a stage's start and end age. Fixed - Smoothed projection and trajectory chart lines no longer overshoot past their real values between data points.

New - EMI (loan) stage type — model a car loan, personal loan, or any fixed-payment loan as its own stage, with a live estimated payment preview. Fixed - Two overlapping location stages (e.g. US HCOL and US MCOL covering the same years) could silently corrupt your ledger — saving one now blocks the overlap instead. - Gaps between stages (not just after your last one) now fill in correctly. Privacy - Added anonymous, non-identifying usage analytics to help us understand which features are actually useful. Your financial plan — timeline, scenarios, amounts — still never leaves your phone. Full detail in our privacy policy.

This update fixes an issue where the ledger could show incorrect numbers after editing your life-stage timeline, and improves how gaps between stages are handled so your plan stays accurate as you adjust it. We've also added a new stage type: EMI. Use it to model a short-term loan or financed purchase — enter the loan amount, interest rate, and term, and Bhavitta automatically works the monthly payment into your retirement plan.

New - Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra join the curated Foreign City list (AUD was already supported as a display currency).

New - Watch Walkthrough: a short in-app video tour of building a scenario, running projections, and reading the stress-test heatmap — plays right in the app, from Help & About or straight from your very first empty Timeline screen.

## 1.1 — Compare scenarios, retirement age, backups New - Compare Scenarios: overlay up to three plans on one chart and see success rates side by side. - Earliest Retirement: Bhavitta now finds the youngest age you could stop working and still meet your confidence benchmark. - Goal line: set a target amount and see the age your median path reaches it, right on the chart. - Back up all scenarios to a file and restore them anytime — your plans survive a lost or new phone. - Optional one-tap exchange-rate refresh (runs only when you tap it — the app stays fully private). - New Zealand Dollar (NZD) added to display currencies. Improved - Confidence levels now use plain names — Median, Conservative, Planner, Floor — with a built-in explainer. - Tap any slider's number to type an exact value (exact ages, exact amounts). - Edits save automatically — the Save button is gone because you never needed it. - A Done bar above the number keyboard, confirmation before deleting a stage or event, clearer ledger columns, and better VoiceOver support throughout.