Changelog

Now you can

• Continue by email from any chat thread, with via email marks
• Ask Nino about Vault files without uploading them again
• Card-less Start trial on every plan tier, including managed
• About You goals show Planned events and seed Your plan
• Book a free consultation from the onboarding plan picker
• Chat can refresh linked accounts and re-check balances later

Now you can

• Ask Nino floating chat anywhere in the workspace (⌘K / Ctrl+K)
• Self-serve trial with no credit card, started in one click
• Forecast Cashflow Past / Future toggle; future years grow at inflation
• Cashflow Savings column and cleaner year labels
• Collapsible Forecast chat with simpler starters
• Vault provisions protected system folders for new households

Now you can

• Add a manual account or open Add Account from chat
• Existing accounts show on the Add Account card so you skip duplicates
• Forecast Cashflow tab walks how savings and retirement spend are derived
• Already retired is a first-class About You answer, and Forecast starts in retirement
• Retirement ages per adult, net-worth goals, and a confirmable age-65 suggestion
• Chat recategorize previews matching rows and can create a custom category
• Feedback covers coding prompts; changelog lives in the user menu

Now you can

• Forecast Numbers table with year-and-age columns and savings proof
• Forecast paints a first chart path while the range is still working
• Chat can recategorize transactions behind a yes/no card
• Tracks room is two columns with Tasks and Overview tabs
• About You uses a stated retirement age once and prefills volunteered birth dates

Now you can

• Life-event catalog on Forecast empty state, with common picks as chat chips
• Edit life-event assumptions on the plan pill
• See which assumptions changed when comparing forecasts
• Dismiss any plan from the chart pill with one click
• Promotion codes at checkout, with your current price on the subscription card
• Onboarding skips auto preliminary analysis and shows a welcome toast after checkout

Now you can

• Edit, add, or restore balance snapshots from Edit account
• Chat Retry resends an unsent message instead of regenerating the last turn
• A failed tax comparison becomes a plan limitation, not a failed track
• Track plan narratives render Markdown
• Same-ticker holdings stop splitting into duplicate assets

Now you can

• Save or discard before leaving Forecast with unsaved plans
• 10 yr / 20 yr / Full time frame on the Forecast chart
• Paste screenshots into the chat composer
• Chat reads facts from your uploaded W-2, 1040, and pay stub
• HTML statements upload and preview in Vault and chat

Now you can

• Mark a saved plan as the Forecast default
• Rename a plan from the events-pane title
• Life-event icons on the Forecast chart
• Existing / New / Manual mortgage picker
• Keep typing while Nino is responding

Now you can

• Notification preferences in Settings
• Preliminary analysis publishes to Reports after onboarding
• Shared badge when an advisor can read a track room
• Renew expired access without restarting onboarding
• One federal tax return is enough in onboarding

Now you can

• Plan renamed to Forecast
• Unread and mention signals in both sidebars
• Custom date range on the accounts net worth chart
• Expand a spending category to see top merchants
• Start a track from an actionable insight

Now you can

• A Subscription tab in Settings to update payment or cancel
• Preliminary analysis reads tax facts from your uploaded 1040 and W-2s
• Savings findings show what you would gain, not spending totals
• Generic tracks can research the web and cite sources

Now you can

• Import holdings from a brokerage screenshot
• Split a retirement account between Roth and Traditional
• Manual symbols link to live prices when we can resolve them
• Tracks sit in the sidebar with live status dots
• Subscription findings use merchant names to identify recurring charges

Now you can

• Preliminary analysis reads your uploaded 1040 and pay stub
• Add a property from an address on a 1040 or pay stub
• Approve a track plan in one click, or correct it in place
• Tracks is in beta for every household
• Large PDFs attach in chat without getting rejected

Now you can

• Preliminary analysis opens with What you could save
• When you can retire shows the same Plan outcome cards
• Answer a track question in your own words when the listed options do not fit
• Rename or delete a track as a household member or advisor
• Investment Strategy is now Portfolio
• Start a generic track from your tracks list
• Linked Roth retirement accounts land in the Roth bucket

Now you can

• Set a retirement account to Traditional (pre-tax) or Roth (after-tax)
• Plan and Nino use that tax treatment when they reason about the account
• Corrected CoinTracker cost-basis handling
• The first onboarding report is a preliminary financial analysis
• Each analysis section opens with a chart and compact findings
• Plan starts from the current projection; add a plan when you want to compare
• Unsaved plans get a suggested name from what changed

Now you can

• Roth IRA and Roth 401(k) sit in their own Roth bucket, separate from pre-tax
• The model treats Roth withdrawals as qualified and tax-free, with no lifetime RMDs
• The model taxes pretax Roth conversions and assumes a backdoor Roth has no taxable portion
• Recurring payments keep the category you pick, even with a bank confirmation token
• Card payments and mortgages keep your category instead of staying labeled Transfer

Now you can

• The onboarding plan opens with household details, followed by findings and clear next steps
• Tax analysis finishes from your profile rates and asks you for the documents that would fill the gaps
• Optional equity fields no longer show "Needs input" — private companies can leave ticker blank
• Track tasks identify people by name and photo, with history in an Activity tab
• An empty plan chart invites you to add a life event, like buying a home or having a child

Now you can

• Plan no longer shows a beta badge
• Edit a property's ownership share from home details
• Compare plans side by side below the summary
• Ask an outcome card's question from the card
• Add your date of birth in account details

Now you can

• The sidebar label is now Plan
• Outcome cards ask questions like "Will your money last?" and Chat answers with the same figures
• Moving to another state or getting married updates taxes from that point forward
• The age axis keeps your end year instead of stacking overlapping ticks
• Plan Chat stays in sync with the draft on your screen
• Save a new draft with a name of your own

Now you can

• Start with a current projection built from the accounts already connected to Nino
• See a range of possible outcomes across 1,000 simulations, not just a single forecast
• Ask Nino to test decisions such as buying a home or retiring earlier
• Save and compare plans side by side

Now you can

• Choose the date from which an account's transactions appear
• Hide older activity from transactions and cashflow without deleting it
• Keep eligible property estimates current with automatic refreshes

Now you can

• Share an existing conversation with your advisor
• See new messages and typing activity without refreshing
• Mention people and include attachments in shared notes

Now you can

• Bring historical balances into supported investment connections
• See when performance history begins for each account
• Keep charts continuous when a provider sends an incomplete daily snapshot

Now you can

• Follow the full About You checklist on mobile
• Return to your completed details even after your local session ends
• Invite a spouse or partner from the final review step

Now you can

• Verify answers through citations to your files, market data, company news, and SEC filings
• Preview attachments, read PDFs page by page, and work with CSV files more reliably
• Stop, regenerate, or rate a response with clearer feedback at every step
• Look up investment tax lots directly in Chat

Now you can

• Open vault documents with richer previews and thumbnails
• Complete About You through a guided conversation and review everything before saving
• Keep investment connections, household details, and account activity more accurate

Now you can

• Calculate and refresh a household-wide portfolio risk score
• See separate scores for concentration, volatility, diversification, and liquidity
• Continue the conversation in Chat to understand the factors affecting your score

Now you can

• See Zillow Zestimates for property values, with clear attribution and a link back to Zillow
• Use Zillow Rent Zestimates when exploring the rental potential of a property

Now you can

• Reorder any item in the sidebar with drag and drop
• Create, rename, and delete your own sections to group what matters to you
• Reset to the default sidebar anytime from Settings → Preferences

Now you can

• Send up to 24 MB of attachments in one chat message
• Get faster starts, smoother streaming, and better file previews in chat
• Add dependents, clean up custom categories, and compare nearby property listings

Now you can

Now you can

Now you can

• Follow portfolio performance across daily snapshots and flexible time ranges
• Understand your allocation across asset classes, including supported funds
• Spot top movers and compare your return with the S&P 500

Now you can

• Connect an existing HELOC to a property or add one manually
• See your outstanding balance, credit limit, and available credit together
• Track the interest rate and minimum payment alongside your property

Now you can

• Add grants faster with ticker suggestions and automatic price details
• Record whether you still work at a company directly from its equity profile
• See post-termination exercise deadlines across your grants

Now you can

• Create custom transaction categories for your household
• Automatically categorize future matching transactions
• Make a manual category edit once and have Nino remember it

Now you can

• Track properties with editable values, mortgages, rental income, and cashflow details
• Understand private-company equity with grants, vesting, events, and estimated value
• Review investments with clearer portfolio performance, allocation, and holdings views

Now you can

• Expand chat activity to see the details
• Enter large numbers with thousands separators
• Move through chart-heavy screens with smoother loading

Now you can

• Review account-linking insights from Nino
• Get more useful generated answers in chat
• Open chart-heavy screens with less waiting

Now you can

• Exclude matched transfers from cashflow summaries
• Clear transaction filters faster
• Read chat sources through compact inline citations

Now you can

• Keep account badges visible after chat reloads
• Start transaction review on the current month by default
• Use a cleaner range selector on balance charts

Now you can

• Switch account views with cleaner grouping and table layouts
• Sort transactions by amount or date
• Compare account balances across more useful chart ranges

Now you can

• Edit account owners and keep duplicate accounts out of the way
• Manage CoinTracker wallet connections and refresh balances
• Capture household tax profile details from settings

Now you can

• Edit manual account balances directly from account cards
• See per-account sync timing and connection status
• Attach vault files in chat with a clear size limit

Now you can

• Rename, hide, and organize accounts by household owner
• Faster, smoother streaming in planning chat
• Reach your document vault right from the workspace sidebar

Now you can

• Track net worth with manual accounts alongside connected ones
• Ask chat about spending, with charts, attachments, and vault file mentions
• Upload, organize, and download household documents in the new vault