← Changelog
v1.63
Forecast 2.0 for everyone, memory for all, and a new Connections page
Every household now runs on Forecast 2.0, which models each person in your household with real taxes every year. Nino now remembers what you tell it for everyone, Settings has a Connections page for your linked institutions, and mobile Transactions has a redesigned search and filter sheet.
ForecastChatAccountsMobile
Now you can
- Forecast 2.0 is live for every household, with your Forecast 1 plans and life events carried over
- Nino's memory is now on for everyone, and each memory links back to the message it came from
- Settings now has a Connections page to reconnect, sync or disconnect each institution
- Mobile Transactions has a new search and a single filter sheet that updates the list as you tap
- More reliable answers about large files you upload to chat
New
- Forecast 2.0 is now live for every household, and every Forecast 1 plan has been copied over with its life events intact. Instead of one blended number, it models each person in your household, with two incomes, two retirement ages, two Social Security claims and real taxes every year, across 1,000 market runs. Tell the plan chat what you want, like "retire at 52 and run a Roth ladder", and it builds the plan, runs it and tells you whether it works.
- Forecast 2.0 covers Roth conversion ladders, ACA marketplace coverage before Medicare, Medicare surcharges, withdrawal strategies, backdoor Roth, pensions with a lump sum or annuity choice, state income tax, and retiring abroad. It also handles RSUs, ISO exercises, AMT and QSBS sales, and selling part of an investment by dollars or shares.
- See the year-by-year Balance Sheet and Cashflow, click any figure to ask Nino how it got there, compare plans side by side, and check All assumptions to see where each input came from and which estimates move your forecast most.
- Nino's memory is now on for everyone. It remembers what you share in conversations, and in Settings, Memory you can open the exact message a memory came from.
- Settings has a new Connections page that lists every linked institution by status. Reconnect, sync, change access or disconnect each one, and a red badge in the account menu tells you when a connection needs you. Connections whose accounts are all hidden move to their own Hidden group and don't count as issues.
Updates
- Search and filters on the mobile Transactions tab are redesigned. Search opens right in the header, all filters live in one sheet that updates the list as you tap, your active filters show as chips under the header, and each day shows how much money went out.
- Nino gives more reliable answers about large uploaded files, and long PDFs from earlier in a conversation no longer slow down every reply.
- In a track, Build action plan is now Propose tasks. Nino proposes the plan's tasks on the usual approval card, and approving it builds your track.
- When Nino recommends exercising equity, it now looks at where the money would come from and what each option costs in taxes before suggesting a path.
Bug fixes
- Tapping a category in the mobile Spending breakdown now opens Transactions filtered to that month and category.
- Some accounts linked through Finicity showed every transaction twice, doubling income and spending. The extra copies are now removed.
- Every plan event, including investment sales, now shows on the Forecast chart.
- A retired adult is no longer charged for retirement contributions the plan never makes.
- Leaving a tab open across an update no longer shows repeated "Reload site?" prompts while you have unsaved changes.