v2.35.1 — Confirm on any device

• Confirm on any device. Opened your sign-up email on your phone? The plan you built on your computer stays safe. Type the code from the email there, or tap one button on your phone to get a fresh one.
• Recurring, easier to review. Suggestions are sorted into bills, everyday spending and income, a single Add can be undone, and twice-a-month pay counts both paydays.
• Plan and Month agree. Your income bar and the Month hero show the same figure, and a custom month can bring in new bills without touching your own amounts.
• A clearer budget wheel and Insights. Every slice gets its own colour, each day in the brief shows one figure, Insights opens a past month on that month, and Budget works fully with a keyboard and a screen reader.

v2.35.0 — A clearer transaction list

• Your optimizer result on your plan’s Summary. On a free plan with enough of your own numbers, the tax-saving preview now runs by itself and shows what it found right on Summary.
• Account fields that work like the category picker. Pick an account from a list in sections, with an icon and the bank beside each one, and search once you have more than a few. Transfers read From → To.
• Category symbols. Give any category an emoji or one of 40 icons. It shows in your plan, your transactions and the category picker.
• Add transaction from the top of Transactions. The button opens the form over the page and stays open while you add several, so your transactions start right under the tabs. With a bank connected it’s a quieter Add by hand.
• A tidier transaction list. What needs you sits in one card above the list, common filters are one tap, saved views live in one Views menu and the date range is one calendar. An open transaction says how it was filed and whether it’s confirmed.
• Category lists start with the right kind. Money coming in lists income categories first; money going out lists spending ones.
• Two identical bills each count their own payment. Two plans billed together, with the same payee, amount and day, now each take one charge instead of one reading late.
• Your line of credit’s own rate in the next-dollar advice. A bank-synced line of credit is ranked at the rate you entered, not an assumed card rate.
• Turning off Assign every dollar asks about month budgets. If a month has its own budget, you choose whether it goes back to the standing one.

v2.34.0 — A rate for your line of credit, and cinder’s questions in the Ask cinder bar

• An interest rate for a loan your bank shares no terms for. A bank-synced line of credit (a Wealthsimple portfolio line of credit arrives as a personal loan with no terms) takes its annual rate in the account’s details; its balance stays the bank’s. The payoff planner uses it instead of the 19.99% card estimate, and the Debt totals add its month’s interest.
• cinder’s questions live in the Ask cinder bar. The “2 questions” count is a pill inside the bar, and a badge on the mascot when the bar shrinks or on a phone, instead of a chip floating over the page.

v2.33.0 — Faster Budget tabs, a category picker you can search, and a nudge when your plan drifts

• A category picker you can search. Choosing a category (the transaction drawer, bulk edit, splits, quick add, the bill and rule editor) opens a searchable list in sections (Recent, Spending, Income, Transfers) with an icon on every row, instead of one long dropdown. On phones it’s a sheet.
• cinder tells you when your plan is out of date. When pay changed against your plan, a bill’s price changed or a bill stopped, cinder can send one push (at most one a week, no amounts) that opens the question on Budget.
• Budget tabs answer the click at once. Switching to Transactions froze for up to 4 seconds on a long ledger; every Budget tab now selects at once and shows a spinner if the page takes longer. The desktop ledger pages 150 rows at a time.
• One definition of income received. Every budget figure counts a deposit in an income category (custom ones included, a split by its income portions) and never a transfer, a refund or an uncategorised deposit. The Budget plan hero, the carry into “left to assign”, the Month budgets strip and the Year preview’s tax estimate all use it, so an uncategorised deposit no longer counts as received.
• The Year preview shows rental, investment and other income. Each lands in its own flow, rental beside the plan’s net rental income.
• The Cinder Score’s survival measures the plan’s own horizon. A couple’s plan that runs out while the younger partner lives on now scores that way, and the component caps at 25; a single person’s score is unchanged.
• The “invest the leftover” nudge counts a contribution once. A scheduled contribution that had already posted was taken off twice, in the app and in the push, and a plain transfer into a TFSA or RRSP wasn’t counted as invested.
• Cancelling the optimizer stops it. A cancelled run on the worker stops, saves nothing and gives back its quota.

v2.32.0 — Pro Monte Carlo shows why plans fail, and retirees get their own answers

• Pro Monte Carlo: settings and precision. Run 1,000 to 10,000 markets and see the margin of error (“85% ± 2”). Choose a stocks-and-bonds model with its own returns, volatility and correlation (starting from market history since 1928, each account keeping its own average return), and make inflation random instead of fixed. Free keeps its 500-market band, unchanged.
• Pro Monte Carlo: why the bad runs fail. When failures happen (an age histogram) and how big the shortfall is; what the worst 10% of markets have in common (their first five years’ returns, and inflation when it’s random); and up to 12 failed markets to step through.
• Pro Monte Carlo: spending guardrails under random markets. Switch on “Also test spending guardrails” to see the odds with Guyton-Klinger guardrails against fixed spending on the same markets, how often they cut, the typical cut and how long it lasts. A plan on another spending rule sees its own odds on their own line.
• How comfortable your passing futures are. Pro sorts each market into a large surplus, comfortable, barely made it, almost made it or ran short (“Most of your passing futures are comfortable; 1 in 8 barely make it”), and, while you’re saving, when you could reach financial independence (“In 9 of 10 tested futures you could reach FI by 54”).
• Ask cinder and the optimizer. An Explain button beside the optimizer’s winning strategy asks cinder why it wins for you and what breaks if markets fall early. Ask cinder can propose an optimizer run (it starts only when you tap Run, counts like the Optimize button, and can’t start twice) and a what-if scenario from a plain sentence (“what if I retire at 58?”), saved beside your plan with Undo. Constraints the optimizer can’t take yet are listed as not applied.
• Already retired? Start from what you can spend. The homepage points retirees to the in-retirement page, which leads with what you could spend each month for life, and both carry a retiree straight into the app.
• Describing a search is one step. In Budget → Transactions, “what did I spend in montreal in september” now applies itself: the filters it understood, the period control moved to those dates, and a text search on the words it didn’t place across payee and bank text. The list no longer empties while you type, the AI reader’s answer applies straight away, and one link under the box puts the ledger back. The starter-budget offer shows once (the card on This month, the banner only on other pages, one shared dismiss). Money patterns can expect every suggested bill at once, with one undo. Settings → Ask cinder & agents loses the jargon, the duplicate “What cinder knows” row, and a conversation count that disagreed with the list.
• The floating chat resizes and reads better. Drag the chat’s top edge or sides to size it (or use Larger), and it remembers. Replies sit in a card beside cinder, older answers show their actions on hover, the tiles leave once you’re talking, and the header’s “Ask cinder” button opens the chat instead of toggling AI. The Chat tab’s composer no longer covers the last reply.
• Ask cinder follows the conversation. A follow-up such as “how does that compare?” keeps the subject and the dates of the answer before it. cinder knows today’s date, so “Friday the 25th” or “last weekend” reads as the most recent one, and it says which dates it took. For a simple lookup it answers on the likeliest reading and names the other instead of asking first. Spending questions by date, payee, city or category come back as totals by category, with transfers left out. It replies in the language you write in. Explain starts a fresh conversation and reconciles its answer with the figure on screen, and “This answer is wrong” saves the whole conversation.
• A retiree’s plan answers a retiree’s questions. The Summary leads with what you could spend, one figure everywhere, and says what spending guardrails do if markets turn bad. What-ifs offer a retiree’s set (survivor, healthcare and long-term care save as scenarios), Compare shows how long the money lasts, Progress drops contributions, the month is measured in how long savings last, the Year preview reads monthly, Analyze stops suggesting more saving or part-time work, and retired personas keep their CPP and OAS.
• A homepage couple stops working in the same year. “You could both stop working in 2049” now plans your partner to stop that year too, on the homepage and in the plan it opens.
• Retirees’ stress test covers every year from today. A retired or semi-retired plan is tested on the retirement phase from today to its life expectancy, in the app and in the monthly check-in, so its odds can move. Pro plans saved below 1,000 Monte Carlo runs now run 1,000.
• Easier to read. Text is at least 13px and sentences 14px, and the phone tab bar fits.
• Strategy cards in today’s dollars. The Stress tab’s spending-strategy cards show spending in today’s dollars, so a $60,000-a-year plan no longer reads $80,693.

v2.31.0 — cinder asks about your pay and bills

• cinder asks when your pay or a bill changes. When your paychecks settle on a new amount, cinder asks whether to update your plan’s salary. When a bill’s price changes (“Netflix went from $16.99 to $20.99”) or it stops charging, cinder asks whether to update it or end it. Every answer can be undone.
• Fill your budget from your real spending. Once two or three months of your spending are in, cinder offers to set each category to what you actually spent, in one tap.
• Your first plan starts on your numbers. Setting up no longer opens on odds for an example plan: they appear once you’ve answered the basics. cinder asks your state or province with your country, so your taxes are yours from the first answer, the accuracy meter moves as you go, and your answer stays in view while you scroll.
• One name for each number, on every tab. Investments, net worth and your estate read the same everywhere, with a short note where two figures differ. A change under a year reads “3 weeks before 63” instead of “Age 63.0”.
• One prompt at a time above your main number. The country question, the sample-data notice and “Save your plan” no longer stack above your answer, and the AI switch in the header now says “Ask cinder”.
• A sample plan that reads like one household. Its bills match its country, homeowners pay a mortgage rather than rent, each earner gets one paycheck, and categorizing only suggests payees that plausibly match.
• Your odds stay on the Retirement summary after a Stress test. Running the Stress test for one phase of your plan no longer leaves the summary saying it hasn’t run until you reload. The bank reconnect banner also spans the page, with Reconnect at its end.

v2.30.0 — A steadier retirement age

• “You could retire at” no longer depends on where you started. The earliest retirement age cinder finds now re-estimates your CPP, QPP or Social Security at each age it tries, the way setup does, so the same plan gives the same answer whatever age it started from. A benefit you typed, confirmed or already receive stays as it is. If your benefit is still cinder’s estimate, the age shown on your first run and your odds after you move the retirement flag can shift slightly.
• A free trial that can’t be attached to your account won’t charge you. If you buy the yearly plan on cinder.fi and then sign in to an account that already has billing, the trial can’t be claimed. It now ends when the trial ends instead of turning into a charge, and the app tells you the date.
• Small fixes in Progress and Estate. Progress’ history chart shows each year once on its axis, its footnote is right in dark mode, and the Pro badge on “Import balance history” stays on one line. The estate checklist reads “Roth IRA · Named beneficiary”, and links to #retirement and #progress open the right page.
• Clearer retirement calculator and CPP pages on cinder.fi. The US retirement calculator leads with Social Security, 401(k) and Roth. The CPP calculator and “when to take CPP” guide show what starting at 60, 65 or 70 pays and when each break-even comes, with this year’s limits. The Boldin and ProjectionLab comparisons say what cinder.fi does and what Pro adds.
• Pricing pages describe the odds and Pro’s Monte Carlo accurately. The odds and their range are free on every plan. Pro adds the deeper Monte Carlo: your own number of simulated markets and settings, and the full percentiles. Our pages now say so in every language.

v2.29.0 — Will it last?

• Will it last? at the end of setup. Answer a few questions about your timeline and your money, and setup ends on the answer: how often your plan survives market history and simulated markets, when Social Security (or CPP and OAS) starts, and an estimate of your lifetime tax. Save the plan, or keep exploring without an account.
• Your odds, up front, free. Your plan’s Summary opens on how often your money lasts, with the likely path and the range around it. It’s free on every plan, and Pro tests your plan against more markets.
• A monthly check-in on your plan. Once a month cinder re-tests your saved plan. Your monthly recap shows the odds and how they moved, and you can ask for an email when they drop (Settings › Notifications).
• One What if page. Retirement is now Summary, Inputs, Optimize and What if. Scenarios, the stress test, FIRE targets and the Asset mix lab live together in What if, and “Make this my plan” shows what will change before it does.
• One “left to spend” number. Your budget is a target per category, bills fill the fixed part, and every “what’s left” figure agrees. Prefer zero-based budgeting? Turn on “Assign every dollar”. It works the way YNAB does and is already on for a budget imported from YNAB.
• Settings, simplified. Settings has four sections: Account, Plan & budget, Ask cinder & agents, and Privacy & data. Settings that were spread across the app now each have one home there. Resetting your budget asks first, and exports work on every device.
• Progress asks “On track?” See your net worth and spending against your plan. On Pro, your savings rate is compared with what your plan keeps. Holdings and your target mix live in Accounts › Investments, and bank connections, statement files and balance history live in one Manage data area.
• Every page works on a phone. Retirement, Budget, Progress, Accounts, Family and Manage data have real phone layouts: tap targets are big enough, fields stay above the keyboard, and the page links come first. In the iPhone and Android app, a new More tab holds Family, Manage data and Settings.
• A faster start. The app loads less before your first screen, so it appears sooner on a slow connection.
• Two quick questions on our retirement pages. Our retirement pages ask your age and savings up front and carry them into the app. A new Roth conversion page (an RRSP meltdown page in Canada) explains what the plan models. Every screenshot in our guides now shows the app as it is today, in your language and theme.
• Correct tax for singles and survivors in Canada. Projections were under-taxing Canadians planning alone and surviving partners: they got a pension split and a spousal credit they can’t claim, and some of a late partner’s savings went untaxed. Projected tax is now right, so your retirement date and odds may move.
• Your first plan says back what you typed. Savings no longer grow by a year of sample cash, the stress test counts 401(k)s, a $7,500 monthly budget stays $7,500, and signing up no longer counts a starting balance twice.
• A stress test you can trust. It re-runs when the plan changes, and “Reach my FI number” compares in today’s dollars, which used to overstate success. History replay starts in 1928, so every year in it is measured the same way.
• Where your retirement income comes from. The benefits share counts every retirement year, so retiring before government benefits start no longer reads 0%.
• The yearly free trial from cinder.fi. Buying the yearly plan on cinder.fi now starts with the promised 7-day free trial.
• Setup gets the details right. Setup asks for your state or province instead of assuming one, even when it can’t tell where you are, and a partner’s age starts at yours. Rent paid a day early counts for the month it’s for.

v2.28.0 — Private Mode for everyone

• Private Mode for everyone. Keep your finances encrypted on your own devices, so even we can’t read them. Turn it on in Settings, or pick it during setup. It’s free on every plan, with more room on Pro. How privacy modes work
• A faster, tidier Ask cinder. Ask cinder now runs on Claude Haiku 5.5 and gets to the answer without narrating each step. Free accounts have a weekly allowance of questions, and Pro has far more.
• Your language, all the way down. Demo names, built-in categories and default account names now follow the language you pick, and French uses REER, CELI and FERR everywhere.
• Prices in the right country. If your device is in the US while your plan is Canadian, or the reverse, a one-time prompt offers to switch. Checkout also keeps pricing in the currency you were first billed in.
• More accurate stress tests. A crash scenario now reprices your HSA and FHSA, and spending strategies count your HSA in your portfolio.

v2.27.0 — Live bank updates and faster AI

• Bank updates, live. New transactions from a bank sync now show up while the app is open, for your accounts and a partner’s in a shared household. No restart needed.
• Faster AI categorizing. Categorizing transactions and suggesting bills now takes seconds instead of half a minute, and bill suggestions no longer time out.
• Instant optimizer re-runs. Run the optimizer again on an unchanged plan the same day and you get the answer right away, without using one of your monthly runs.
• Face ID in your language. On iPhone, the Face ID prompt now appears in French, Spanish or Chinese.
• The right country from the start. Signing up from the iPhone welcome screen now walks you through setup, so your plan and prices match your country.
• Connect from Claude or ChatGPT with their published identity. The sign-in screen shows who published the assistant that’s asking, next to its name.
• A clearer privacy policy, now in French, Spanish and Chinese, listing every service that handles your data, what it receives and where.

v2.26.0 — Roth 401(k) done right

• Roth 401(k) contributions are after-tax. Roth 401(k) savings now go into your Roth bucket, taxed today and tax-free later. If you save to both a pre-tax and a Roth 401(k), both count, and they share one yearly limit.
• Clearer cash-flow chart. The axis labels no longer repeat the same number; each is just precise enough to tell them apart.
• No more “$0 of bills”. Once every bill this month is paid, the month summary stops mentioning bills and just tells you what’s left to spend.

v2.25.0 — Fewer upgrade emails, a yearly free trial, and safer tabs

• Fewer upgrade emails. Tried a Pro tool? You’ll get at most two short emails about it, never on the same day as another cinder.fi email, never within a day of using the app, and never once you have Pro.
• Free trial on the yearly plan. The web free trial now comes with the yearly plan. The monthly plan starts right away, with no trial.
• Restore purchases works. Restoring Pro on iPhone or Android now finds your subscription, and Settings shows which store bills you.
• Your plan stays yours across tabs. If a different account signs in from another tab, your open tab reloads instead of saving your plan to that account.
• Older Android phones. The app no longer crashes on older Android system web views.
• Bill suggestions keep coming. Bill suggestions still arrive when our main AI model is slow to answer.

v2.24.0 — Margin calls, next year’s RRSP room, and one look for every chart

• Margin calls on a line of credit. If a securities-backed credit line outgrows your portfolio, your projection now sells to cover it, taxes the gain and flags the year. Run Stress to see how often a crash would trigger one.
• Tax withheld at source. RRSP and RRIF withdrawals show what the bank holds back and what you still owe or get back at filing time.
• Next year’s RRSP room. Each RRSP row estimates next year’s room, including your pension adjustment, and carries your room into the new tax year for you to confirm.
• Contributions versus growth. See how much of each account’s year came from your deposits and how much from growth, with a return for every account. Pro.
• Ask cinder knows more. Ask about your optimizer result and family protection, and get contribution-room answers dated in your own time zone.
• “Is this your rent?”. Money patterns asks about one unfiled bill at a time and opens it ready to save, with the bank’s wording filled in.
• I took the excess out. Fixed a US IRA or HSA over-contribution? Record the return of excess on the Room card and the warning clears.
• Save your plan. Finished setup without an account? A Save plan card and header button keep your plan from getting lost.
• Yearly plan, free trial. Upgrading leads with the yearly plan and what you save, a free trial when you qualify, and a guard against paying for Pro twice.
• Extra care for sensitive changes. Deleting your account or creating an MCP key now asks you to confirm it’s you if you signed in more than 10 minutes ago.
• A safer mobile sign-in. In the new App Store build, your session is kept in the iPhone Keychain (Android Keystore), and the app locks after 10 idle minutes when biometric lock is on.
• One look for every chart. All charts share the Hearth style: hover cards stay on screen, labels and milestone pills no longer collide, colours are easier to tell apart, and charts work with a keyboard.
• Faster homepage and setup. The homepage is far lighter on phones, shows US terms to US visitors, and the setup wizard appears sooner. Buttons on guides and pricing take you straight into setup.
• Fairer “next dollar” advice. Rankings now weigh tax, grants, matches and loan rates on a level footing, and show an alternative when your own return assumptions would change the answer. A card no longer ranks above a higher-rate loan.
• Emails, share cards and PDFs in the Hearth look. Our emails, the images shared from guides and calculators, and the monthly cash-flow PDF match the app.
• More accurate future limits. RRSP and TFSA limits for years CRA hasn’t published yet follow the statutory indexing. The 2027 TFSA limit is $7,500.
• Contribution room at year end. US IRA and HSA excesses carry into the new year, withdrawals and late-filed contributions count correctly, and a shared family HSA is split between spouses.
• Setup from the homepage. US visitors no longer get a Canadian plan, and signing in partway through setup keeps your answers.
• Chart and label fixes. The balances comparison is like for like, charts fit on phones, and chart labels are translated.
• Smoother bank connections and budgets. Clearer connection states, steadier budget sync across devices, and household loan bills that are never counted twice.

v2.22.0 — Bills that end, and where your money went

• Where your money went. Under Budget, This month, see every category month by month, the biggest movers up and down, and the merchants behind a change. Group it by account instead if you prefer. Free accounts see about 90 days; Pro sees all of it.
• Bills that end. Buy now pay later, a car loan or pay-in-4: a bill can end on a date or after a set number of payments, and shows how many are left.
• Missed-payment heads-up. Get a nudge when a bill you expected hasn’t shown up yet.
• Several subscriptions, one payee. Apple, Google, Amazon and PayPal subscriptions each get their own pattern, so one price isn’t mistaken for another. Pay-in-4 plans are spotted too.
• Bills on any schedule. Every few weeks, every few months or twice a month on two set days, including when you import from YNAB.
• Free trials. Mark a bill as starting later and get a heads-up before the first charge, with Keep it or Cancel it.
• This month’s net. Money patterns shows what comes in against what goes out for the month, so far and still to come.
• More ways to get paid. Enter weekly pay, pay every few weeks, or twice a month on two days.
• Rule edits show their effect. Before you save, a rule says how many of this month’s bill payments would start or stop counting.
• Fewer false renewal alerts. A renewal you paid early no longer triggers the heads-up, and quarterly bills now get nudges.
• AI agents see more. Connected agents can read your spending trends and the balance of each account type in your projection.
• Fixes. After signing out of the mobile app, “Build my own plan” runs the setup wizard; the education savings pace is counted correctly; number fields, toggles, the recap button and calendar days are easier to see and tap; and linking a transfer follows your household’s edit access.

v2.21.0 — Yearly bills, handled

• Bills every 3 or 6 months. Insurance, property tax and water bills can repeat quarterly or twice a year. They show up only in the months they land and budget at their average.
• Set aside for yearly bills. Each yearly, quarterly or twice-a-year bill shows how much to put aside each month and how far along you are, so the renewal month doesn’t read as overspending.
• Renewal heads-up. Get a nudge before a yearly bill renews. Keep it, or tap “I’ll cancel it” and cinder stops expecting it — and tells you if it charges you anyway.
• Yearly fees from one charge. Memberships like Costco, Amazon Prime or CAA are suggested as yearly bills the first time they show up.
• See your yearly total. Filter Money patterns by how often bills come and see what they cost over a year.
• Rules read the bank’s wording. Rules also match the bank’s original text, so charges the bank labels one way and cinder cleans up another still file correctly.
• Price changes vs last year. When a yearly bill goes up, cinder compares it to what you paid last year.
• Smarter contribution advice. RESP suggestions respect each child’s lifetime limit, and “next $1,000” advice splits money when a match only takes part of it.
• More accurate contribution room. Family HSAs, mid-year match changes and IRA room are tracked more precisely, with the 2026 HSA limit.
• Latest OAS and GIS amounts for October–December 2026.
• Fewer lost edits. A scenario edit made just before closing the app is kept, and a change from another device or an agent isn’t undone.
• Privacy and security. Less data reaches our email provider and logs, old chat-correction transcripts are cleared after 90 days, and several rate limits are tighter.

v2.20.0 — Money patterns, smarter

• One name for each pattern. A bill asks for its name once, and the payee text follows it. Pick “Use different text” when the bank spells it differently.
• One rule, several payees. Add “or contains” lines to a rule, so Telus Mobility and TELUS PRE-AUTH file the same way.
• Credit-card payments as bills. Track your card payment like any bill, without counting the spending twice in your budget or cash forecast.
• Bills whose amount varies. Mark a bill “Amount varies” and it is budgeted at its average.
• Closed months stay put. A month’s bills freeze when it ends, and a customized month tells you when its bills changed since.
• See who categorized a transaction. The details show whether your rule, cinder’s AI, your bank, an import or you filed it.
• Ask cinder sets up bills and rules. cinder can propose a bill or a rule in chat; apply it with one tap, and undo it just as fast.
• Export your full history. Export my data now includes your whole ledger on every plan.
• Bills keep their own give-or-take. Set how far a bill’s amount may move, so a hydro or gas bill that swings more than 10% still files itself.
• Smarter “Expect it”. The due day and amount come from your latest payment, even before there are enough payments for a schedule.
• Faster “apply to past transactions”. Applying a rule to your history, and undoing it, is several times faster.
• Income asks the right question. Pay tied to a job belongs to that job’s person; other income asks “Whose income?” instead of “Who pays?”.
• A tidier transaction row. “Bought an asset you track” moved to the ⋯ menu and only appears on purchases of $1,000 or more.
• Debt balances. Synced debts show the amount you owe, with a clearer Balance history.
• No more duplicate rows. A bank history refresh no longer duplicates transactions on your device.
• Bill reminders. No reminder for a bill you’ve already paid.
• Undo a deleted bill. Undo puts the bill back without changing your budget.

v2.19.0 — One household plan, and Money patterns finished

One plan for your household

• Share one retirement plan. Invite your partner and they join your plan as the second person, instead of keeping a separate plan that never quite matches yours. When they join, they choose whether your plan already includes them or whether to bring their accounts in, with likely duplicates flagged.
• You decide who edits what. Give a partner full access, or let them change only their own accounts and connections plus the settings you share, like retirement timing and spending. Anything they can’t change says why.
• Leaving is safe. If a partner leaves or is removed, their own plan comes back with copies of their accounts.
• Everything follows the shared plan. Recaps, the weekly digest, reminders, contribution room alerts and connected AI assistants all work from the household plan, and each of you sees the other’s bank connections.
• Joining a household plan is opening gradually, so you may not see it yet.

Rules and bills that work as one

• Merge overlaps. If a bill and a rule cover the same payments, or the same rule is listed twice, Money patterns shows a callout. Review each change, apply only the ones you want, and undo the merge from the banner afterwards. Keep separate stops cinder.fi suggesting a merge for a pair you want apart.
• Rules that learn from you. File the same payee in the same category twice and the transactions list offers to make it a rule, filled in for you. If you move a payment a rule filed, cinder.fi offers a corrected rule above the old one, or Change bill when a bill’s own rule filed it. Don’t want a suggestion? Don’t ask again remembers, and you can restore it under Categorization settings.
• Fixed where you see it. A rule that never applies now offers Move above. Apply to past transactions follows your rule order, tells you how many it will change, and can be undone. A bill a rule already files reads Filed by instead of Won’t file automatically. A paid bill that cost something different offers Update to $X, and stopping or deleting a bill tells you the category total stays the same.
• Better filters in the transactions list. Filter by the rule that filed a transaction, or find the ones no rule catches. A payee group’s menu can make a rule from its transactions.

A truer month of bills

• Every due date counts. A bill that repeats every two weeks shows each of its due dates, rent sent on the 30th pays the bill due on the 1st, and yearly bills count in the month they land, so a renewal no longer makes a category look overspent.
• One set of numbers. The Money patterns header, the month brief, the calendar, the Cash flow chart and the cash floor signal all read the same month of bills, and they follow your local day.
• Other currencies. A bill’s amount is in its account’s currency. Totals and forecasts add everything in your home currency and tell you when a rate is missing.
• A calendar you can read without colour. Paid, due and late use different shapes, paydays are marked, and you can step through months.

Connected to the rest of the app

• Links land on the bill. Links from your month brief, accounts, notifications and AI assistants open Money patterns on the bill or rule they name, and Budget remembers the tab you were on.
• Accounts and bills agree. A loan’s payment, a refinance and removing an account now carry their bills along, and an account’s page lists the patterns that touch it.
• Households. A partner’s bill says who added it and shows their account by type. Reminders reach every member.
• For AI assistants. Connected assistants can read the same list, dismiss a suggestion and merge overlaps, and their links open the right row.

Bank connections

• Accounts load faster. Your accounts open from your last sync instead of waiting on the bank every time.
• Synced four times a day, and Refresh from bank gives you 20 manual refreshes a month, with the time of the next one shown.
• Bank logos on your accounts.

Email and notifications

• Alerts by email, if you want them. Turn on emails for bills coming due and categories going over budget.
• Your recap and digest by email. The monthly recap and the weekly digest arrive by email, even if you don’t use the app on a phone.
• “Hide amounts in notifications” covers emails too.
• Notifications reach iPhones again. Push notifications on iPhone were being dropped; they now arrive, and you can send yourself a test notification from Settings.

Retirement spending

• Constant Dollar: choose what to hold. A new Hold spending at setting keeps your spending at its retirement-year amount, so it no longer drops the year you retire, or at today’s amount, as before. If you’re already retired, nothing changes.
• Guyton-Klinger fixed. Healthcare, long-term care and other fixed costs were being added on top of themselves every year, which made the guardrails cut spending far too often. Plans using Guyton-Klinger now look much healthier, and more accurate.

Fixes and security

• A household member can no longer change or delete the other person’s shared transactions, bills or budget beyond what their access allows, and that’s enforced on our servers, not just in the app.
• The iPhone and Android apps include an important security update to the framework they’re built on.

v2.18.0 — Money patterns

Bills and rules, in one list

• Money patterns replaces the Scheduled tab. Every regular payment and every rule that files your transactions now live together in one list under Budget (it shows as Patterns on phones). A pattern can file matching payments automatically, expect them on a schedule, or both. Your tracked bills, their reminders and the cash flow chart carry over. Read the guide.
• Turn a rule into a bill in one tap. “Expect it” fills in the amount, how often and the usual day from the payments the rule has already matched.
• See what’s due and what’s paid. The top of the list shows what you expect to spend this month, how much is already paid and what’s late. Switch to a calendar, search, or filter by category and account.
• Rules keep their flexibility. Match by payee, amount, direction and account, choose the category, and reorder rules when two of them overlap. The list tells you when one rule is catching another’s payments.
• Cash flow stays where it was. The 60-day cash flow chart sits right below the list.

Fixes

• AI categorization no longer fails on large imports.
• Exchange rates load faster.
• On iPhone, the monthly recap notification for Private Mode now schedules as it should.

v2.17.0 — Smarter bill suggestions

Recurring bills, found for you

• Find recurring bills any time. The button is always there, and suggestions you dismissed can be brought back one at a time.
• Better suggestions. Cancelled subscriptions, refunds and vague payees like “PAYMENT” are left out, payees are grouped even when the bank adds a different code each time, and a bill you already track isn’t suggested again.
• Suggestions that follow your rules. A rule that catches a steady monthly payment can become a bill, and each suggestion shows the rule it will create, so later payments are filed and counted as paid.
• Cleaned up by cinder. With Pro and AI, cinder gives suggestions plain names, sets aside anything that isn’t really a bill and merges duplicates.
• Dismissed means dismissed. Suggestions you dismiss stay dismissed on all your devices and for your household.

Bills and rules work together

• Paid when your rule files it. A bill now counts as paid when its own rule files the payment, even if the bank’s wording changes.
• Use a rule you already have. A new bill can use an existing rule, with the best match suggested for you.
• “At least” and “at most.” Rules can match an amount above or below a value, not just “about”.

Other improvements

• Buying a car or a home with cash. Money that bought something you track can count as a transfer into it instead of spending.
• Buy now, pay later payments such as Affirm and Klarna count as spending, and your rules apply to transactions that were only guessed to be transfers.
• Confirming a category no longer reloads your transactions.

v2.16.0 — Transactions, transfers and contribution room

Find exactly the transactions you want

• Group your transactions. Group the ledger by month, account, payee or category, or by several at once, such as month and then category. Fold any group away, and see each group’s count and total.
• Build the filter you need. Add filters one at a time, such as “Category is not Groceries” or “Amount more than $20”, and they work together. Each choice shows how many transactions it would match, and you can filter straight from a transaction or a group.
• Save your views. Keep a set of filters, groups and dates as a view and reopen it in one tap, or copy a link that opens your transactions exactly as you left them. The summary shows money in, money out and the net for what’s on screen.
• Search in plain words. Type “dining over $50 last month” and see the filters it means before you apply them. Anything cinder.fi can’t place is listed rather than guessed. With Pro and AI, cinder can read the rest of the sentence for you.
• Your bank’s own words. Rename a payee and we still keep what your bank wrote: it shows under the name you chose, and search finds it.

Categorization rules that explain themselves

• Rules you can read. Each rule reads as a sentence, like “Payee contains Amazon → Business”, and shows how many past transactions it matches and how many aren’t in that category yet, with a button to fix them.
• See the rules that never apply. When an earlier rule catches the same transactions first, the rule tells you and shows how to fix it. As you write a rule, a live preview shows the transactions it will change.
• One store, two categories. Limit a rule to specific accounts: Amazon on your business card goes to Business, and Amazon anywhere else goes to Shopping.
• Pay lands on the right job. A rule can now say which job and person a deposit belongs to, so your pay counts toward the right income even when the bank’s reference text changes. Add an amount range to keep reimbursements out. In Retirement, “Unassigned pay” lets you pick the job right there and offers to make the rule for you.
• Scheduled pay is marked received only when the amount is close to what you expected.
• Bills that file their own payments. A scheduled bill can keep a rule that files its payments in the bill’s category. Change the bill and the rule follows.

Transfers you can count on

• Transfers between your own accounts are now recorded. When your bank syncs or you import a file, a transfer and its other side are linked automatically, so the move never shows up as spending or income in your budget, your monthly recap or your alerts.
• “Not a transfer” now sticks. Dismiss a suggested transfer once and it stays dismissed on every device.
• The category you choose stays. Recategorize a transaction we had paired as a transfer, and it now stays where you put it.
• E-transfers to friends are no longer hidden as transfers. They wait in your review list instead. E-transfers to yourself still count as transfers: cinder.fi recognises your name, and you can manage the names it treats as you in Budget › Money patterns › Categorization settings.
• See your transfers as pairs. Both sides of a move between your accounts now sit together in your transactions, joined by a bracket or labelled with the other account. Open either side to jump to the other, unlink a pair that isn’t really a transfer, or link one we missed, even to an account you haven’t connected.
• Find the loose ends. “Transfer without a match” shows the transfers whose other side is missing, so you can link them or recategorize them in a click.
• Totals exclude moved money. In and Out no longer count money you moved between your own accounts; a separate Moved figure shows it instead.
• See where your money moved. Your month at a glance now shows how much you moved to savings, investments and cards, apart from your spending. A transfer you make every month, like a TFSA top-up, can become a scheduled contribution in one tap, and it’s marked paid when the money moves.

Track your contribution room

• See how much room you have left. A new Room card in Accounts shows, for each person, the room you started the year with, what you’ve contributed and what’s left: RRSP, TFSA and FHSA in Canada, and your IRA, 401(k) and HSA limits in the US.
• Contributions count themselves. Transfers into investment accounts are recorded automatically, updating a balance asks how much of the change was new money, and statement imports bring their contributions with them.
• Payroll contributions count every payday. Set up payroll on an account: what comes off each pay, what your employer adds, and how often you’re paid. Each payday counts toward your room, and your next balance update confirms it. A bank-connected account confirms it a week after payday.
• A warning before you go over. cinder.fi warns you ahead of time and names the month you’ll pass a limit at your current pace, on the Room card and in one notification a year. In the US it also says what to do about an excess. Room tracking is free.
• Explain a balance change once. When a balance moves more than your transactions explain, cinder.fi asks what it was: a contribution, an employer deposit, growth, a transfer or fees. Only contributions use room, and you’re never asked about the same money twice.
• Accounts without a bank feed. If you keep transferring money to an account we can’t see, like a group RRSP, answer once and those transfers are linked to it from then on.
• More accurate projections and advice. Your first year no longer counts room twice, US Traditional and Roth IRAs share one limit, past FHSA contributions count toward the lifetime cap, and advice on where your next dollar or a windfall should go respects your real room, employer match and grants.

Households

• Pro covers the whole household. When the household owner has Pro, everyone in the household gets Pro too, and everyone sees the whole shared ledger.
• Your partner is Person 2. Invite your partner from the partner section of your plan. Once they join, it says so there, and Settings → Household shows which person each member is.
• Remove a member. The household owner can now remove a member in Settings → Household. Their own transactions and bills leave with them.
• Joining a household shows up right away. When your partner accepts an invite, both of you see the shared budget without reloading the app.
• One loan, counted once. If you entered a loan by hand and your bank also syncs it, Accounts suggests removing the manual copy and moves its bills to the synced loan. If you and your partner each entered the same loan, you can both turn on loan matching in Settings to have it counted once; the switch explains exactly what it shares.
• Editing your partner’s bill now offers their accounts, not yours.

Let your AI assistant make changes (Pro)

• Your AI tools can now update cinder.fi, if you allow it. Claude and other assistants connected through cinder.fi’s MCP server can edit your plan, budget, transactions, bills, accounts, savings goals and categorization rules. Changes stay off until you turn them on for a key or a connected app in Settings.
• Every change is reversible. An assistant has to preview a deletion before it can make it, most changes can be undone for 30 days, and Settings lists your connected assistants so you can pause or disconnect any of them.
• No more lost edits. If you and an assistant change the same plan at the same time, both sets of changes are kept, and an open app shows the assistant’s changes within a minute.
• More answers from your saved plan. Assistants can check your score, try a purchase or a windfall, read your monthly recap and family protection, and (with Pro) run Monte Carlo and backtests on the plan you saved. Free accounts get the same reads the app shows them.
• API key limits now apply. Daily call limits on API keys were not being counted. They now are: 5 calls a day on a free key and 500 on Pro.

Notifications and privacy

• Hide amounts in notifications. A new setting in Settings → Notifications keeps amounts and bill names off your lock screen. You’ll see “A bill is due Friday” instead.
• Less of your data in our diagnostics. Error reports and product analytics no longer include amounts, plan details or the contents of links you share.

A faster, clearer app

• Faster to open, especially on phones. Your retirement plan appears sooner and the page no longer jumps around while it loads.
• Numbers that agree. Your net worth, plan verdict, budget totals and contributions now match from tab to tab, the setup preview matches the plan you save, and amounts are shown in today’s dollars.
• Charts that read the same way. Every chart now has the same tooltips, legends and colours, shows at most three milestone labels, and offers “Show as table”.
• See what an edit did. Change an input in Retirement and a card shows how your headline moved.
• Ask cinder keeps your question. Minimize the chat or switch tabs while cinder is answering, and the reply is waiting when you come back.
• Your language, your formats. Amounts, numbers and dates follow the app’s language, French and Spanish read more naturally, and French shows REER, CELI, RPC and SV everywhere. PDF reports print in your language too.
• Adjustable-rate mortgages with several resets. Add each rate change with its date and see the payment after each one.
• PDF reports in the cinder.fi look, with our typeface and wordmark (Pro).
• No more endless spinners. If a screen takes too long to load, you get a clear message and a Retry button.
• Foreign accounts noted where they matter. The notice about foreign investment accounts no longer sits at the top of every screen. Your retirement projection now notes which accounts it leaves out, and why.
• Clearer tab names. The main tabs now have the same short names everywhere: Retirement, Budget, Progress, Accounts and Family. Retirement planning is now Retirement, Performance is now Progress, Budgeting & Spending is now Budget, and Accounts & Assets is now Accounts. Your plan and data are unchanged.

The iPhone app

• Native-feeling behavior. Haptic feedback, swipe back from the edge of the screen, swipe a transaction to approve, categorize or delete it, the system share sheet for exports, tabs that remember where you scrolled, and no white flash in dark mode.
• Pull to refresh checks your banks for new transactions.
• Text follows your phone’s text size, and switches are bigger and easier to tap.
• Opens on iOS 27, and signing in from the welcome screen now takes you straight into the app.

Also fixed

• Bills show the right status at the end of the month. On the evening of a month’s last day, paid bills could show as due. They now use your local date.
• US tax on long-term gains is more accurate. When your other income doesn’t use your whole standard deduction, the rest now lowers the tax on your gains, so more of them fall in the 0% bracket. This mostly helps retirees with little other income.
• Loan payments made by transfer count in your budget. A mortgage or loan payment your bank records as a transfer from chequing now counts in the bill’s category, so Housing no longer looks underspent.
• Pending charges keep your edits when they post. A payee, category, note or split you set on a pending charge stays when your bank posts it.
• Late renewals don’t interrupt Pro. If your renewal takes a little while to reach us, Pro stays on for up to three days.
• RESP accounts are kept. Setting up your plan with AI no longer drops RESP accounts, and spreadsheet imports no longer file RESP or 529 accounts as RDSPs.
• Lifetime members can add AI from the prompt again, and trial members see their trial banner.
• Chat limits are described correctly.
• AI assistants respect the pensions you already receive. Withdrawal-order suggestions no longer change the start age of a government benefit you’re already collecting.
• cinder.fi works from the www. address as well.
• Your Jobs view stays put. The Simple or Advanced choice in Settings → Jobs no longer resets.
• Edits right after signing in are saved, and links to a Budget sub-tab open that sub-tab.

v2.15.7 — Sign-in fix

• Signing in takes you to your plan. Returning from Google, Apple or email sign-in could show a “Page not found” screen instead of your plan. It now opens your plan directly.

v2.15.6 — Accurate monthly recaps

• Monthly recaps and spending alerts now match your budget. Recaps were under-counting spending and could say you were under budget when you weren’t. Overspend alerts now fire when a category actually runs over.

v2.15.5 — Faster transaction review

• Confirm or delete many transactions at once. Select transactions in your ledger, then confirm all their suggested categories in one click, or delete them together.

v2.15.4 — Readable category confirmations

• The Confirm category button is visible on the selected transaction. When you selected a transaction, its Confirm category button was nearly invisible. It now stands out clearly in both light and dark themes.

v2.15.3 — Budget safety fix

• Your budget and custom categories are safe to edit. Fixed an issue from earlier today where saving a budget change on some browsers could reset your custom categories and budget amounts. If this happened to you, contact us and we’ll restore them.

v2.15.2 — Transactions page layout

• The transaction list is full width again. On larger screens the list was squeezed into half the page, cutting off the account and amount columns. It’s back to using the whole width.

v2.15.1 — Home value fix

• Your home’s value updates right away. After adding your home, recording its value the same day now takes effect immediately, instead of staying at the $500,000 starting estimate.

v2.15.0 — Easier budget upkeep and new comparison tools

Compare housing and pension decisions

• Mortgage overpayment or investing: compare a lump sum and extra monthly cash, explore a renewal-rate change, and see annual balances and earlier payoff. Explore the comparison.
• Buy or keep renting: compare the same starting capital and monthly budget, including mortgage renewal, ownership costs and invested savings. Try the comparison.
• Keep your pension or invest the lump sum: use your actual offer to explore income, survivor payments and how long the investments could last. Compare your offer.
• Keep any comparison beside your plan and reopen it with its assumptions intact. These tools are available in English; saved-comparison controls in the app support all four languages.

Easier account and budget upkeep

• Changes save as you go. Account details, repayment plans, and standing budgets save automatically, with feedback and a retry option if saving fails.
• Find the account you need. Filter and sort accounts by type, value, or owner, and switch to compact rows. Connected bank accounts now point to the cinder.fi account where you manage their type and owner.
• Make categories fit your life. Remove default income or spending categories by moving their transactions and budget amounts into another category. Future matches follow your choice, and removed categories can be restored.
• Review categories with less confusion. Rules, default matching, and AI controls have their own card below the transaction table. Confirm suggested categories beside their names, choose whether your rules need review, and turn optional transaction clearing on in Settings.
• Try budgeting in a demo. Inspect transaction details without editing the demo, or take Josh’s guided practice through reviewing transactions, applying a rule, and adjusting a budget to see its effect on the plan.
• One payee, different bills. A rule can now match on amount as well as payee. If the same service pays both your rent and your car loan, set one rule for “about $1,850” and another for “about $612”, and each payment lands in the right category automatically.

Also fixed

• Getting back to your sign-in code. If you close or reload the page while verifying your email, you return to the code screen, with a resend timer and a clear retry if sending fails.
• Subscriptions stay correct. Paid access is no longer lost or restored by a delayed or failed billing update, including across App Store, web and lifetime purchases.
• Your plan edits stick. A change made just before closing the app is no longer overwritten when you reopen it.
• 0% stays 0%. An assumption you set to 0% is no longer replaced, and selling a home now accounts for what you paid for it.
• Security hardening across account access, subscriptions, notifications and connected AI agents.

v2.14.1 — Bank connection fixes

• Adding newly available accounts now works. When your bank makes more accounts available after you’ve connected, “Add them” now actually opens the picker and adds the accounts you choose.
• Reconnect reminders arrive reliably. The banner, badge, and email that point you to a connection needing attention no longer go quiet after a hiccup — you’ll hear about it until it’s fixed.
• Holdings refresh after a reconnect. Your investment balances now update right after you fix a broken connection, instead of waiting for the next scheduled sync.
• Fewer wasted bank calls. A brief outage on your bank’s end no longer flags your connection as broken, and background syncs run less often when nothing has changed.

v2.14.0 — Make your plan real with your bank

• Connect your bank right after your first read. Once cinder.fi shows your first retirement estimate, one tap connects your bank. Create your account, complete the secure bank handshake, and you are back in your plan. If a sign-in or your bank sends you away, the flow picks up where you left off.
• Review before anything changes. Every account your bank returns comes with a suggested action: add it, replace the estimate you entered in setup, or link it to an account you already track. Change any of them before you confirm.
• See what changed. Right after your balances arrive, compare what you estimated with what your bank reports, and see how your projected retirement age moved. Your real spending number follows once enough transactions have come in.
• Know when a connection needs you. A banner, a badge on Accounts, a notification, and an email after two days each point you straight to the connection that needs a quick reconnect.
• One button to update. Check for new transactions replaces the separate sync and refresh controls on every connection.

Free plans include one connected bank account; Pro connects as many as you like.

v2.13.0 — Notification settings that follow you

• Choose your notifications once. Notification preferences now apply across the web app and your phone, and newly added devices pick up the choices you already made.
• Route refinance cash where it belongs. Cash-out and cash-in from a refinance can go to the account you choose, with closing costs and the loan balance reflected on the refinance date.

v2.12.0 — Less transaction cleanup, clearer spending insights

• Keep the detail with the transaction. Add a note, search for it later, and keep it through imports, sync and CSV exports.
• Clean up several transactions at once. Change categories, approval or cleared status in bulk. Preview categorization rules before applying them, and reuse those rules for incoming transactions.
• See how contributions fit your plan. Review projected contribution room and estimated tax savings based on your plan’s assumptions.
• Compare where your spending goes. Explore spending by account and category and compare consecutive months, with refunds and split transactions included.
• Use your own categories with connected AI tools. Custom budget categories are now available when reviewing and updating transactions through the AI integration.

New manual accounts also start with clear, country-specific names such as TFSA or Roth IRA. Your existing account names stay as you set them.

v2.11.0 — Follow your savings goals

• Connect a goal to the account funding it. Recorded contributions build progress and withdrawals reduce it. Split an account’s contributions between goals with an allocation percentage; linked transfer pairs count once. Existing manual and category-based goals still work.
• Explore protection when planning for yourself. Analyze now offers a route to review income protection, a will and powers of attorney for eligible solo plans.
• Keep life-event dates aligned with the right person. Switching partners updates untouched retirement-based dates. Dates you edited and milestones tied to a child stay where you put them.

Also included: clearer handling of savings-goal sync failures, better mobile date fields, and security improvements.

v2.9.0 — A clearer view of your year and your family’s future

Follow a year’s money

Choose a year to see how earnings, benefits and withdrawals fund living expenses, estimated tax, debt payments and investments. Select a branch in the new year preview to explore its details. For the current year, open recent transactions and upcoming schedules, or select a spending category to narrow the activity shown.

Recorded activity and estimates are distinguished, and incomplete transaction history is called out. Gross-pay and income-tax estimates use the plan’s tax assumptions; they are not a payslip or proof of tax paid.

Plan around the way you work

Keep one annual income number, or add detailed jobs with hourly pay, variable compensation, employment dates and stock awards sold at vesting. Each job appears separately in the preview. Assign imported paychecks to a job from the transaction drawer using an explicit payee/account rule; unassigned pay stays visible.

Existing income remains supported. Detailed jobs survive older-client saves, and competing annual-income edits are flagged so you can choose which version to keep.

Make life events and account activity easier to follow

Life events now share one editor, with list and timeline views, search, a highlight for newly added events and links explaining automatic milestones. Account names and windfall choices follow your plan’s country.

Loan cash-flow settings live with accounts. Credit-card planning distinguishes paying a statement in full from paying down a balance, with interest costs and statement, due and payment dates. Investment contributions use transfer accounts and directions. Linked loan payments count once, and tax details use the same actual net deposit as income details.

Bring the family plan together

The reorganized Family page connects protection, household needs and legacy decisions. Explore disability and critical-illness gaps, education funding progress, adult-dependent support and Canadian RDSP details. Review expected inheritances and their uncertainty, beneficiary intentions, estate costs and liquidity, charitable giving, and giving during your lifetime.

Try a change in a guided demo

Seven demo households showcase connected budgets, accounts, schedules and family decisions—including Sam’s two jobs and Nadia’s adult-dependent support. Optional guides take you to the actual product editor, let you make a temporary change, and show its effect on the plan. Experiments reset when you finish.

Also included: more readable dark-mode controls and better reconciliation of available cash, tax, spending and investment contributions.

September 2026 — giving while living

• Model a gift to your kids while you are here to see it. Add a gift on the Planning timeline and Family → Legacy shows both halves of the decision: what it costs your own plan, and what the same money is worth in their hands at 55 and at 65 — roughly when an inheritance would have arrived instead. Every figure is in today’s dollars, and the page does not recommend either choice.
• Funded purchases and child goals now reduce your projection in every mode. A college bill, a wedding, a gift or a big purchase with a funding account attached used to be skipped in some runs — including the one the Strategy Optimizer uses — so a recommendation could be made against a household with no college bill. They now come out of the account you chose, in every projection.
• A cost attached to your partner is paid from your partner’s accounts. With the capital gain on their return, not yours. If their account can’t cover it, the rest comes from yours before anything is flagged as unfunded.
• Gift-tax warnings are right for couples. Married US filers split gifts, so a gift is measured against two annual exclusions. A $25,000 gift no longer gets a false “you’ll need to file Form 709” note.

September 2026 — your transaction ledger is back

• Transactions no longer vanish after signing out. If you signed out and back in since September 7, your Spending → Transactions ledger may have shrunk to a single row while the counter still said something like “1 of 215”. Your data was never lost: every transaction, category, approval and cleared mark stayed safe in your account. Signing out told your browser’s offline copy to treat every synced transaction as one you had deleted, and it kept hiding them on every sign-in afterwards. Signing out is now a purely local reset, and the app forgets stale “deleted” markers on its own, so opening cinder.fi once after this update brings the full ledger back. No re-import or Plaid re-sync needed — please don’t run Full re-sync for this, as that does discard and re-download your Plaid history.

v2.7.0 — Kids, education and family protection

• Plan for your children. Add your children to the plan and track education savings in an RESP (Canada) or a 529 plan (US), along with goals such as a wedding.
• Check your life insurance. See how much coverage your household needs and test what happens to the surviving partner’s plan.
• Get your estate in order. Work through an estate readiness checklist and create a family binder you can hand to someone you trust.
• Savings goals. Set a goal, track your pace, and move the purchase into your plan when you’re ready.

July 2026 — v2.6.1: YNAB sync fixed

• YNAB connects again. Pasting a YNAB personal access token failed instantly with “Load Failed”, and revoking the token and generating a new one never helped, because the token was not the problem. Our security policy didn’t list YNAB’s API as an allowed destination, so your browser blocked every request before it reached YNAB. This had been broken since early April. It now connects, imports transactions and balances, and syncs your budget and scheduled payments.
• Clearer errors when a sync does fail. Instead of the browser’s raw wording, YNAB problems now say what happened and what to do — an expired token, a budget that no longer exists, YNAB’s 200-requests-per-hour limit, or a connection blocked by an extension.

If you tried YNAB and gave up, try again at Accounts → Connections → YNAB. Your existing token will work, so there is no need to regenerate it.

July 2026 — v2.5: the cinder bar — one chat, everywhere

Ask cinder is no longer just a panel. It is now how you talk to your plan.

• Meet the cinder bar. A bar sits at the bottom of every screen and opens a conversation with cinder about whatever you’re looking at. One rolling thread follows you across tabs, the new Chat tab keeps every past conversation (rename them, revisit them, start fresh), and on mobile the little flame in the corner opens the same chat full-screen. Explain buttons on cards open the same chat, so AI lives in one place.
• Chat can edit your budget. Ask cinder to “cut dining by $90 and move it to groceries” and it proposes the change as a reviewable card, with each category’s before-and-after and the impact on your FI date. Nothing happens until you tap Apply. cinder never changes your data on its own.
• cinder notices things (Pro). Daily checks watch for a slipping plan score, subscription price increases, duplicate charges, and idle cash sitting beyond your buffer. When something’s worth knowing, a single heads-up appears. Tap “ask me why” and cinder explains it with your real numbers.
• See your AI allowance. The Chat tab shows how many questions you’ve used this week (free) or today (Pro), with a meter, before any limit interrupts you.
• Ask a real question in the demo. Exploring a persona demo? You can now ask one genuine free-form question and get a live answer grounded in that persona’s plan.
• Try Pro free for 14 days. Web subscriptions now start with a two-week card-on-file trial in an in-page checkout. Cancel anytime before it converts.
• Switching from ProjectionLab got easier. The importer now brings over your plan itself (assumptions, income, spending, and benefit ages) as well as your accounts.
• Feedback by shake. On your phone, shake the device to send feedback; the floating button is gone. Toggle the gesture in Settings.
• Prepay the mortgage, or invest? The loan prepayment calculator on your debt accounts now compares both options: alongside interest saved and years shortened, it shows what the same money would grow to if invested instead, using identical dollars on both paths, and names the winner.
• Avalanche, snowball, or invest the extra? A new payoff sandbox in Accounts → Debt compares all three with your real loans pre-filled: debt-free date, total interest, and which path leaves you with the most on the same monthly budget.

July 2026 — v2.4: FIRE types, the Lifetime plan, and a fixed-up mobile app

• Where do you stand on FIRE? A new assessment in Planning scores your plan against Coast, Barista, Lean, FIRE, and Fat FIRE, with a verdict for each, what-it-would-take editors, and a five-ages timeline of your possible retirements. AI agents can read it too, through the MCP tool.
• A Lifetime plan. Pay once, keep Pro forever. Lifetime joins monthly and annual on the pricing page, with AI features available as an optional add-on.
• Deeper investment tracking. Record buys, sells, dividends, and splits with cost basis in the new investment ledger; enter holdings by hand for unlinked accounts; track accounts in other currencies (NZD, EUR, GBP, AUD); and count loyalty points as an asset.
• Life events choose their account. Big purchases, inheritances, and renovations can draw from, or deposit to, a specific account, and the engine recommends the best one. Employer matching now works on non-registered accounts too.
• The mobile app, unblocked. Bank connections open properly, Face ID lock works, notifications can be enabled any time from Settings, and the app now fills the whole screen, with your checklist and sync status in Settings.
• Easier sign-in, and AI apps can connect. Sign in with a 6-digit emailed code or a passkey, and connect cinder.fi to ChatGPT or Claude through a standard browser sign-in, with no pasted keys.

July 2026 — cinder.fi 2.0: the Hearth release

Our biggest update so far. Every screen was redesigned around Hearth, with warm pastel chapters, our flame family, and a full dark theme. The plan underneath improved too.

• A new way in. Setup now takes four steps, and your projected outcome updates as you type. Already retired? The wizard adapts — enter your actual CPP/OAS or Social Security. Planning together? Add your partner, or join your household with a code. Want to look around first? Five demo plans are ready to open.
• Performance, rebuilt (Pro). Set a portfolio target and watch drift over time, turn the gap into a dollar repair plan, replay custom portfolio mixes through 150 years of market history, and check your real pace against saved plan checkpoints.
• Budgeting that keeps watch. Scheduled bills and income are tracked directly, and the new “What changed” chapter flags bill increases, new recurring charges, and your cash floor for the next 45 days. Life events now show their plan impact live while you edit them.
• Finish your profile. A new checklist lists what’s worth setting up, ranked by how much it sharpens your projection, and checks items off as you go.

July 2026

Category targets

Every budget category can now carry a target: fund an amount monthly, cap your spending, or save toward a date, and cinder.fi works out the monthly set-aside. Underfunded categories show a one-tap Fund button. cinder.fi also finds your irregular “true expenses” (the insurance premium, the annual trip, the December gifts) from your history and suggests a monthly set-aside so lumpy months don’t throw off your budget.

Split transactions

You can now split any transaction across categories, which fixes the Costco problem. Open a transaction, tap split, and divide it ($150 groceries, $30 household, $20 personal care). A running remainder keeps the portions balanced. Every budget view counts each portion toward its own category, so budget vs actual reflects how you shop.

Budget bars with a pace marker

Budget progress bars now carry a pace marker, a small tick showing where your spending would be today if spread evenly across the month. On the 15th with 70% of your grocery budget gone, the bar turns amber before you’re over. Each category also shows how much is left this month. While you edit your budget, every category shows its month-to-date spending, so you can raise a cap and see the bar respond.

Spending month to month

The Spending insights tab now charts your spending over time as stacked monthly bars by category across the trailing year. You can spot drift (that creeping dining total) and seasonality, and click any month for its breakdown.

See the batch before you approve it

The transaction review banner now summarizes what’s waiting: category chips with counts and dollar totals, plus the batch total, so you know what “Approve all” covers.

AI sorts your imported transactions (Pro)

On top of the new review inbox, Pro plans get an automatic AI check: when synced transactions arrive, cinder.fi’s AI looks at each one, using your own categorization history as context. Confident matches are categorized for you, with an ✨AI badge explaining why. Borderline calls become one-tap suggestions, and true coin flips are left to you. Costco runs stop landing in “Miscellaneous.”

Review imported transactions before they count

Bank-synced transactions used to land straight in your spending with a best-guess category. Now they arrive in a review inbox: a banner shows how many imported transactions are waiting, and you can approve them one by one, fix a category (that counts as review), or approve all in one click. Your actual-spending numbers, and everything built on them including your FI projection, only use data you’ve had the chance to check. For YNAB switchers, syncing your YNAB budget now keeps your category goals (monthly funding, spending caps, save-by-date targets) instead of dropping them.

Track your withdrawals through the year (Pro)

Planning is annual, but withdrawal decisions happen mid-year. The required-withdrawals dashboard now has a “this year so far” tracker. Enter what you’ve withdrawn from your RRIF or IRA, and it shows how much of your minimum is still required, your projected taxable income and marginal rate right now, and how much room you have left before the next tax bracket or the OAS clawback line. It resets every January and never changes your long-term projection.

Build your retirement paycheck

Retirement planning usually starts from your balances. The new Paycheck Builder starts from “how much do I need each month?” Set a target income and cinder.fi shows where it comes from: your guaranteed floor (CPP/Social Security, OAS, pensions), the gap your savings need to fill, which accounts to draw from, the monthly tax cost, and whether that paycheck lasts through your plan. Drag the slider to test different lifestyles. Free for everyone, under Planning → Analysis.

CPP2 in CPP estimates

If you’re still working, your CPP estimate now includes the post-2024 enhancement (CPP2): earnings above the standard ceiling accrue extra benefit each year you contribute. Younger, higher-earning Canadians will see a higher “CPP at 65” default. Already retired? Your numbers don’t change.

Give from your IRA (US)

US plans can now model Qualified Charitable Distributions. Set an annual giving amount under Planning → Strategy → Tax Optimization, and cinder.fi routes it from your IRA’s required withdrawal straight to charity. That satisfies the RMD without counting as taxable income, which also helps you stay under Medicare (IRMAA) surcharge thresholds and reduces tax on Social Security. The projection shows the gift leaving your plan.

Withdrawal handoffs

The “Where will my retirement income come from?” card now includes a withdrawal sequence timeline: one band per account showing which one funds each year of retirement and where the handoffs happen (taxable account runs out, RRIF/IRA takes over, TFSA/Roth goes last).

RESP & Education Savings (Canada)

Saving for a kid’s education is now part of your plan. Add your children and an annual contribution under Planning → Inputs → Education savings, and cinder.fi models the CESG government match (20% on your contributions, up to $500 per child per year and $7,200 lifetime), tax-deferred growth, and the drawdown through their school years. Contributions come out of the same dollars you’d otherwise invest for retirement, so your projection shows the trade-off between the RESP and your FI timeline. The RESP shows up as its own series on the balances chart, connects automatically from your bank (RESP accounts are now recognized on sync), works in Québec as the REEE, and there’s a free RESP calculator on the site if you want to try the numbers first.

A redesigned Strategy Optimizer

The optimizer was redesigned. Instead of a button and a modal, it’s now a single card that leads with your biggest win and moves through stages: find your best strategy → running → results → applied → out of date. Applying a strategy is non-destructive: the result, when it ran, and whether it’s still current all stay put, and you can Revert to your previous settings in one click. cinder.fi now remembers the optimization you applied across visits (per scenario) and flags when your plan has changed enough to re-run it. The full step-by-step breakdown opens on demand.

Optimizer preview for free members

Free members now get a personalized preview of what the optimizer could do. Once you’ve entered your own numbers, cinder.fi finds how much lifetime tax an optimized strategy could save and shows it on the card, with the three strategies available in Pro. If you haven’t entered enough yet, a short checklist shows what’s left to add. (The strategy is worked out privately on our servers, so the preview shows the payoff without the plan.)

The optimizer in your language

The whole optimizer is now translated into French, Spanish, and Chinese.

Redesigned Pricing and Features pages

New Pricing and Features pages in all four languages, so it’s clearer what each plan includes.

Polish & Fixes

• Smoother optimizer progress. The progress bar no longer sits near the start and then jumps to done. It moves steadily as the optimizer works.
• Up-to-date benefit amounts. Canadian Old Age Security / GIS projections now use the latest Q3 2026 figures.
• More consistent dialogs across the app (drag-to-dismiss on mobile, better focus handling).

June 2026

Healthcare, Long-Term Care and Survivor Planning

Healthcare spending can now have its own inflation rate, separate from the rest of your spending. You can add a period of long-term care costs late in retirement, and US plans include Medicare IRMAA surcharges. Couples can create a survivor scenario in one click, and a set of ready-made stress scenarios covers a market crash, a spouse’s death, long-term care, an inflation spike, and living longer than planned.

One home for every connection

The Assets page is now Accounts, the one place to see everything you own and manage how it’s connected. Your bank connections and YNAB imports now live together under Accounts → Connections, instead of being split across Settings and the Spending view. Connection prompts from Spending and Home take you straight there, and older links to the Settings connections section redirect automatically.

Better Budgeting & Transaction Review

A round of improvements to the Spending and Budget tools:

• Custom budget categories: add your own categories to the monthly budget, and mark any category as excluded from your forecast when it shouldn’t count toward your financial-independence projection.
• Deeper transaction review: improved filtering and sorting, plus the ability to tap any category and drill into the actual transactions behind its spend.
• A friendlier new month: instead of an import prompt, returning users now see a “no transactions so far this month” message with a one-tap way to review last month.
• Clearer bank-sync flow: new connections now wait for an explicit sync so you can confirm account mappings first, reconnecting an account keeps those mappings editable, and the sync cadence is shown so you know when your data refreshes.

Cross-Border Account Support

Users with accounts in both Canada and the US can now connect and classify them in the same plan. Turn on Cross-border accounts in Settings to show account-country controls and the other country’s manual account types. Plaid connections request both US and Canadian institutions, each connected account carries its own country and account-kind metadata, and the Connections tab lets you change an account between Canada and US before syncing. Account type labels switch with that country, so the same legacy bucket can safely represent RRSP vs Traditional IRA, TFSA vs Roth IRA, and Canadian taxable vs US taxable brokerage accounts.

The projection engine now avoids folding foreign registered accounts into the wrong domestic tax bucket. For example, a Canadian plan will not treat a US IRA as a Canadian RRSP. Foreign registered accounts still appear in Assets and net-worth views, but they are marked as excluded from domestic tax projections until full cross-border tax treaty, foreign-tax-credit, withholding, and residency modeling is added.

Plaid Institution Country Metadata

Plaid items now persist institution country codes in Supabase and return them through the account-fetch Edge Functions. That lets cinder.fi infer whether a connected item is US or Canadian on refresh, preserve user overrides locally and in synced plan inputs, and heal already-linked managed accounts on the next balance sync.

April 2026

Savings Modeling Now Respects Your Account Setup

Household savings are now routed only to accounts each partner has actually entered. If a partner hasn’t opened a TFSA, RRSP, or non-registered account yet, the engine won’t model contributions into one until you add it. The Savings Split setting and Accounts page both point you to Assets when a partner doesn’t have a destination configured, so you can enable them in one click. Applies to Canadian RRSP/TFSA and US Traditional IRA/Roth IRA/HSA alike.

Optimizer Now Runs Server-Side (Pro)

Running the Strategy Optimizer on a phone used to mean a 30-60 second wait with the tab frozen, because mobile Safari throttles the CPU and the sweep ran in a web worker on your device. The optimizer now runs on cinder.fi’s servers and streams progress back to your browser, finishing in a few seconds on any device. The sweep is also wider, covering CPP and OAS claiming ages alongside the existing withdrawal, meltdown, and spousal strategies, so it catches tax wins the old version missed.

Historical Backtesting (Pro)

Test your retirement plan against every starting year from 1871 to 2024 using real Shiller market data — over 150 years of stocks, bonds, and inflation. Four spending strategies model different withdrawal approaches: Fixed (inflation-adjusted), Constant Dollar (nominal), Guyton-Klinger (dynamic guardrails that cut or raise spending based on portfolio performance), and Variable Percentage Withdrawal (age-based percentage of remaining portfolio). Results show success rates, worst-case and median outcomes, and per-cohort survival timelines. Validated against Trinity Study benchmarks.

Couple Windfall Optimization

The windfall simulator now works for couples, not just individuals. When you enter a lump sum, cinder.fi generates six candidate allocation strategies across both partners’ accounts — balancing TFSA, RRSP, FHSA, and employer-matched contributions for each person — then picks the one that produces the highest cinder score. Allocation rows now show which partner each account belongs to.

Rental Property Modeling (Pro)

Model up to 3 rental properties with gross rent, vacancy rate, operating expenses, appreciation, and optional mortgage amortization. Rental income flows into your projection as taxable income with expense deductions. Plan a sale at any age — net proceeds after transaction costs are reinvested into your portfolio. The engine handles mortgage interest deductions, principal paydown tracking, and property value growth. Rental properties appear on the Accounts page with a blurred preview for free-tier users.

Mortgage Amortization

Primary home and rental property mortgages now use true amortization — tracking principal, interest, and remaining balance year by year instead of a simple payoff-year cutoff. Mortgage interest on rental properties is deducted from rental income for tax purposes. Existing users with the old mortgage format are automatically migrated.

US Account Rules Enforcement

The projection engine now enforces real IRS rules for US accounts. Roth IRA contributions phase out based on income. Traditional IRA deductions follow AGI limits. Early withdrawals before age 59½ incur a 10% penalty, and the withdrawal strategy automatically defers registered accounts until the penalty window closes. Every rule is surfaced as a tooltip note in your projection so you can see exactly what’s being applied and why.

Per-Account Return Rates (Pro)

You can now set a different expected return rate for each individual account — for example, 8% on an aggressive RRSP and 4% on a conservative TFSA. Toggle it on from the Strategy Bar or manage rates on the Accounts page. Monte Carlo simulations use each account’s rate as its mean return. Previously, all registered accounts shared one rate and all non-registered shared another.

Spending Strategies

Four spending strategies are now available for advanced modeling: Fixed (constant inflation-adjusted withdrawals), Constant Dollar (nominal spending stays flat), Guyton-Klinger (dynamic guardrails that cut or raise spending based on portfolio performance), and Variable Percentage Withdrawal (age-based percentage of remaining portfolio). These lay the groundwork for the upcoming historical backtesting feature.

Copilot Money CSV Import

You can now import transactions from Copilot Money — just export your CSV from Copilot and drag it into cinder.fi’s import area. Categories are mapped by keyword, and you can adjust any mapping before importing.

Inline Transaction Editing

Click any transaction’s category or description to edit it in place, without opening a modal. Tap the emoji to quickly recategorize with the full category picker.

SEO Content Library

Launched 39 content pages across three sections: 7 calculator landing pages, 24 retirement planning guides, and 8 tool documentation pages. Every page includes structured data (JSON-LD), FAQ sections, breadcrumb navigation, hero screenshots, and cross-links to related content. Topics cover Canadian and US retirement planning, from RRSP meltdown and CPP timing to Roth conversions and Social Security spousal benefits.

Bug Fixes

• CPP benefit calculation now correctly caps at the maximum pensionable amount
• RRIF minimum labels display the correct percentage for each age
• Home equity no longer double-counts when both home value and mortgage are entered
• Mortgage minimum payment calculation fixed for edge cases
• Retirement age off-by-one error resolved
• Scenario projections now use budget-resolved spending instead of raw manual amounts

Late March 2026

Strategy Optimizer & Presets (Pro)

The Optimize My Strategy button evaluates hundreds of combinations of withdrawal order, meltdown settings, benefit timing, TFSA toggles, and PLOC configurations. It produces three one-click presets — Minimize Tax, Maximize Estate, and Maximize Funded Years — each showing how much you’d save or gain compared to your current settings.

True Cost & Future Value Simulators

Two new what-if tools on the Home tab. True Cost shows what a purchase costs in retirement terms: the sticker price plus the lost investment growth and how many years sooner your money runs out. Future Value shows the opposite: how a bonus or windfall improves your retirement if invested well. Both show animated counters and retirement age shifts.

Windfall Allocation Advisor

When you enter a windfall in the Future Value simulator, cinder.fi now tells you where to put the money. It checks your TFSA, FHSA, HSA, and RRSP contribution room and allocates in tax-efficient order, with a dollar amount for each account.

GIS & Provincial Senior Supplements

The projection engine now calculates the Guaranteed Income Supplement for low-income Canadian retirees, with three different clawback rates depending on income type (employment, other income, and TFSA — which is exempt). Six provincial supplements are also modeled: Ontario GAINS, Alberta Seniors Benefit, BC Senior’s Supplement, Quebec, Saskatchewan, and Manitoba. These benefits appear automatically in your projection when your income qualifies.

FHSA, HSA & RDSP

Three new account types are modeled. FHSA (Canada) tracks contributions against the $8,000/year and $40,000 lifetime limits, with automatic transfer to RRSP at age 71 or after 15 years. HSA (US) models the triple tax advantage and stops contributions at 65 when it begins acting like a traditional IRA. RDSP (Canada) models mandatory LDAP withdrawals starting at 60 with the taxable/non-taxable split.

Spousal RRSP Attribution Warnings

If your target retirement date is within 5 years, cinder.fi now warns you about the 3-year attribution rule — contributions made in the 3 years before the annuitant spouse withdraws get attributed back to the contributing spouse for tax purposes.

Real Estate Planning

Your home is now part of your net worth. Enter your home value, appreciation rate, mortgage balance, and payoff year. Plan a downsizing at a specific age — sell, deduct transaction costs, reinvest the net proceeds. Or model a sell-and-rent scenario by setting the new home value to $0. A HELOC option lets you use home equity as a drawdown buffer during market downturns instead of selling investments at a loss.

Account Insights Panel

The Accounts tab now shows personalized insights: which accounts to contribute to first (based on your tax situation), unused RRSP/TFSA/HSA room alerts, GIS clawback warnings when RRIF withdrawals reduce your benefits, spousal RRSP attribution timing, and FHSA transfer deadlines.

Individual Account Tracking

You can now add multiple accounts per type — for example, two RRSPs at different brokerages. Each appears separately with its own balance. Cash accounts (checking, savings, credit cards) and debt accounts (personal loans, student loans, auto loans) are tracked as separate categories that contribute to your net worth calculation.

PDF Export (Pro)

Download a branded 2-page retirement plan summary as a PDF. Includes your cinder score, key metrics (estate value, lifetime tax, financial freedom age, depletion probability), a condensed projection table at 5-year intervals, and your assumptions. Designed to share with a spouse, advisor, or print for your files.

Income Tracking in Budget

You can now tag budget transactions as income using six categories (Employment, Investment, Government Benefits, Rental, Side Income, Other). Income is tracked separately from spending so your savings rate is calculated automatically from real data.

Mid-March 2026

Onboarding Wizard Overhaul

The wizard was rebuilt from 10 steps to 12, with employment status detection (working, retired, semi-retired) and conditional step skipping (retired users skip income and savings questions that don’t apply to them). Account balances are pre-filled with starting estimates based on your age and income, and the budget step seeds a spending plan from your income instead of requiring manual entry.

Landing Page & Home Tab

The Home tab launched with the cinder score front and center: your 0–100 retirement readiness number, shown with an animated flame. Below it: personalized insight cards, a purchase impact simulator, and quick-action scenario buttons. The landing page shows your projected retirement age as the hero headline, with country badge, trust signals, and a location-aware CTA.

cinder score

A composite retirement readiness score from 0 to 100, built from six weighted components: portfolio survival (25 pts), budget adherence (25 pts), income coverage (20 pts), tax efficiency (10 pts), buffer/estate (10 pts), and savings rate (10 pts). Seven tiers from Cold Ash to Roaring. Score history is tracked daily and displayed as a sparkline on the Home tab.

Score Insights

Up to three prioritized recommendations based on your cinder score breakdown, such as “Your tax efficiency is low. Consider an RRSP meltdown to fill lower brackets before RRIF conversion” or “You have $23,000 of unused TFSA room.” Each insight links to the relevant guide for deeper context.

YNAB Live Sync

Connect your YNAB budget with a personal access token for automatic transaction sync, monthly category budget import, and account balance pull. Supports incremental sync (only new transactions each time) and smart account matching so you don’t get duplicates. Works without sign-in — your YNAB config persists across devices once you create an account.

Budget System

Set monthly spending targets across 16 categories, import transactions from CSV (auto-detects RBC, TD, BMO, CIBC, Scotiabank, and generic formats), OFX/QFX files, or YNAB. Three spending modes let you progress from a rough estimate (manual) to a detailed budget (budget plan) to real data (actual spending from imported transactions). A deduplication engine catches duplicate transactions when importing from multiple sources.

Stripe Integration (Pro)

Pro tier launched at $12/month or $99/year. Unlocks Monte Carlo simulation, Strategy Optimizer, unlimited scenarios, PLOC modeling, spousal RRSP, per-account returns, and PDF export. Billing is managed through Stripe with a self-service portal for plan changes and cancellation.

Early March 2026

cinder.fi Launch

The initial release shipped with the full Canadian and US projection engines, 15 analysis chart tabs, Monte Carlo simulation, scenario comparison, four withdrawal strategies, RRSP meltdown and Roth conversion modeling, pension income splitting, PLOC strategy, and dark/light theming. Tax engines cover all 13 Canadian provinces and territories and all 50 US states. Three-language support (English, French, Spanish) from day one.

15-Tab Analysis Dashboard

The Planning view launched with 15 interactive chart tabs: Summary, Income, Spending vs Income, Withdrawal Sources, Tax, Effective Tax Rate, Balances, Monte Carlo, Contributions, Break-Even (CPP/OAS or Social Security claiming optimization), Annual Contribution Room, Contribution Room utilization, PLOC, Estate, and a full year-by-year Table. Scenario comparison overlays dashed lines on any chart for side-by-side analysis.

Couple Planning

Full dual-person modeling from day one — separate accounts, income, benefit timing, and tax returns for each partner. Pension income splitting automatically optimizes the allocation between spouses. The equalize-income withdrawal approach balances draws between partners to keep both in the lowest tax brackets.

Plan Sharing

Share your retirement plan via URL, with no server storage. The link encodes your plan as a compact diff, and recipients see a read-only view with all free charts, a branded banner, and a CTA to create their own plan. Every shared link works as a demo of the product.