• Ready for 2027: the tax year now follows the calendar. Until the IRS and SSA publish 2027 figures, 2027 is shown as a clearly labelled estimate based on the official 2026 federal tables. • Estimated tax planner: quarterly amounts and due dates using the safe harbor rule (90% of this year's tax, or 100%/110% of last year's), including Additional Medicare and the tax on your sales. • The vesting timeline, grant details and vest-day alerts now count your earlier vests of the year, matching the Dashboard. • Vests that already happened use the price on the vest date (recorded automatically, or enter it on the grant). • Stock sales: state tax for every state plus NYC, and the year's gains are taxed together, so the order of your sales no longer changes the result. • State withholding rules for bonuses and RSUs in every state (e.g. Minnesota 6.25%, Oregon 8%); New York high-income recapture. • Sell-to-cover now counts the shares your employer already kept. • Recorded sales reduce your portfolio value. • The sample grant no longer uses up your free grant. • Foreign listings (e.g. London prices in pence) and unlisted companies ask for a USD price instead of showing a wrong one. • Fixes: Montana and NYC tax bases, a one-day mismatch between the Dashboard and the widget, California married-filing-separately brackets, date formats, and more.

This release is a correctness overhaul. If you hold ISOs, NSOs, or ESPP shares, your numbers were wrong before — they aren't now. TAX ACCURACY • Options no longer taxed at vest. Vesting an ISO or NSO isn't a taxable event, and VestClear no longer counts it as income. If you held options, your withholding gap was overstated. It isn't anymore. • AMT now includes your RSU income. Leaving it out kept the exemption phase-out from triggering and understated AMT for higher earners. • ESPP dispositions done properly. Qualifying sales now use the §423(c) discount cap measured at the offering date — the case where the price fell during the offering period was previously computed wrong. Disqualifying sales now split ordinary income from capital gain. • Capital gains tax on sales, including the 3.8% NIIT. • AMT bracket split corrected for married filing separately. • Updated 2026 state figures (Georgia's new rate, Massachusetts surtax threshold). NEW • 2025 tax year — reconcile last year's vests and sales. • iCloud backup. Your grants survive a new phone or a reinstall. • Per-vest tax breakdown — federal, state, local, FICA and SDI as separate lines. • ISO exercise what-if — model the AMT hit before you exercise. • Export everything to CSV for your accountant. • Estimated tax planner with the safe harbor rule. FIXES • Widget countdown updates on its own instead of freezing between app launches. • You can go back during setup. • Prices are cached, so the app works offline instead of showing $0. • Sale and exercise records can be edited and deleted.