Debt Payments The debt form asks for the payment as you pay it, with any extra and the escrow part, and no longer estimates it. A saved debt keeps its figures until you enter its payment. Overview Savings Savings Rate now counts excess income your Excess Income setting saves to accounts. Retirement Savings Rate counts the part saved to retirement accounts. IRA Income Limits This year’s Roth IRA and Traditional IRA income limits now use the income entered, as later years do. A Roth IRA’s Maximum now works for this year. Current Debt A debt can be owed today with its payments starting later, and Balafin adds interest until they begin. A debt planned for later stays out of today’s totals. This Year in Full New income, expenses, and debt payments start in the current year, so this year’s totals count from January. Your Data Lists Rows show who owns each item. A list that leaves out a planned debt shows its current total. Changes You Can See After an edit, the figures it changes on Overview, Plan, and Your Data roll to their new values. Return Rates Profile’s Return Rates page now says that projections give an investment the same assumed return in every kind of account. Clearer Wording The Student Loan Match and vesting now say what each is. A Graded schedule starts at 5 years, and Email Feedback asks a simpler question.

Changes that may move your figures • Filing status. On Automatic, a household with a dependent and no spouse is now taxed as head of household. In the Plan, a surviving spouse with a dependent under 19 keeps joint rates for 2 years. • One-time pay. An income with a Year start that ends the same year is paid once in full, with no growth, and stays out of yearly income totals. • SIMPLE IRA employer limit. Employer contributions now stop at the legal limit. New math • Vesting and the student loan match on the Employer Contribution page. • Married filing separately, taxed as two returns, with a switch for spouses who lived apart all year. Improvements • Email Feedback from Overview, Plan, or App Settings. • Update History in App Settings, and a What's New sheet after each update. • The Plan's General Expenses page says that Balafin does not estimate long-term care or other large unplanned expenses. • The Taxes pages name head of household and married filing separately where their rates differ. • A Duration chosen for a new income stays when you choose who receives it.

In the Plan, a married survivor now gets only the larger of the two Social Security checks after the first death, never both. It starts at the death, or at the survivor’s 67th birthday if later. Deleting a household member now also deletes their Social Security, SSDI, and SSI income entries, even when you keep their records. Also in this update Screen Recording Privacy can now be turned off in Security. Summary Metrics on the Plan’s income page now show their figures when a plan covers one year. The spinner on the Balafin+ button that reads Completing purchase now stays clearly visible. VoiceOver reads the support email address as words on the legal pages. Small wording fixes and an added data credit.