← Changelog
v1.66
One chat for everything, with tabs, and equity grants that read themselves
The new chat is now your inbox for every household. Main chat, forecasts and tracks open as tabs in one place, and recent chats sit in the sidebar. Equity grants are now read straight from your documents and checked with you step by step, and the simulator handles milestone grants, early exercise with an 83(b) and the ISO limit.
ChatTracksEquityMobile
Now you can
- Your inbox is now one chat for everything, with tabs for your forecast, tracks and conversations
- Recent chats live in the sidebar, pinned chats first
- Upload a grant agreement, notice, portal screenshot or spreadsheet and Nino reads its terms for you to review
- Simulate milestone grants, early exercise with an 83(b) and the $100k ISO limit, including state tax and Social Security
New
- The inbox is now one chat for everything. Your main chat, your forecast and each track open as tabs side by side, so you can move between them without losing your place.
- Recent chats now appear in the sidebar, pinned chats first. It shows your latest five, and Show more pages further back.
- Tracks has its own page for finding something new to work on. Start typing a new track there and it opens in the chat with your words already in the composer.
- A blank New track tab suggests track starters, like buying a home, investing, equity or filing your taxes.
- Drag the edge of the chat list to fold it away, and bring it back with the inbox button or ⌘\.
- Add an equity grant by uploading its agreement, award notice, a screenshot from your stock plan portal or a spreadsheet export. Nino reads the terms and walks you through a review that points out anything that doesn't add up, on the step where you can fix it.
- For a milestone grant, the Simulation tab now lets you pick which milestones are hit and when, set a price at an IPO or acquisition, and compare exercising as each tranche vests, at the sale, or everything now with an 83(b). The better path is marked.
- Ask Nino a what-if about your equity, like a hypothetical IPO price, and it answers with the same after-tax figures as the Simulation tab and links you there.
Updates
- The chat shows which forecast plan or track you're talking to right above the composer.
- When there are more tabs than fit, the extras collect under a "+ N" tab.
- Nino now asks before you leave a conversation with unsaved forecast edits.
- Equity estimates now include Social Security on an option spread up to the grant holder's wage base, state tax, and the $100k ISO limit, with shares over the limit taxed as NSOs. Grant review warns when an early-exercisable ISO is over the limit.
- A public company RSU vest with no recorded value is now valued at that day's market close, labelled as an estimate, and the RSU withholding insight counts releases on manually delivered RSUs.
- An RSA's grant page now shows its own terms, and uploads warn about a likely duplicate even when the document has no grant ID.
- The simulator explains an empty or lapsed result instead of showing $0, and an early exercise without an 83(b) gets a Value at vest field.
- The Simulation tab now says plainly which price your tax is figured at and where it came from.
- On a track's Overview tab, long documents now scroll, and cut-off titles show in full when you hover them.
- On mobile, tapping a file in a chat opens it in your phone's own viewer, so PDFs and other files open on Android too, and attachment thumbnails now load right away on Android.
Bug fixes
- Sending a follow-up while Nino is still replying now queues it instead of doing nothing.
- When Nino suggests opening another tab, it now carries your request over and no longer ends with a "temporarily unavailable" error.
- Nino no longer offers a product feedback card in place of answering what you asked.
- The 83(b) form no longer fills in today's date and price. The filed date starts blank, and the value comes from the transfer date when Nino has it.
- On Android, the attach menu keeps the keyboard up and opens above the + button.
- The More tab on mobile has the right background in light mode.
- Hovering across a chat row's actions now shows one tooltip at a time, and tooltips no longer flash in the corner of the screen.