Option to link accounts for real-time balance updates

Family account

Enhancement to RSU Grant: Vesting Schedule

Add support for monthly/daily simulation granularity

Somehow support "Mega Backdoor Roth IRA"

Automatic estimator for US social security

Series I Bonds Account

Accurate modeling of US state tax on retirement income

Allow changes to the default plan to flow into clones

Add Canadian Pension Plan (CPP), Old Age Security (OAS), and Employment Insurance (EI)

Cash flow data in tabular form

Option to withhold exact taxes

Add cost basis (and other fields) to accounts in Current Finances

Better way to model things like HELOC

Table for cash flow analysis

Canadian account types RESP, RPP, LIRA, etc.

Ability to enter cost basis as dollars (instead of percentages)

Model tax implications for death of spouse

Making Mortgage Interest Tax Deductible

Ability to alter drawdown order at specific milestones

CAPE-based withdrawal strategy

Tax overhaul - Specify which income types are subject to state tax in the US (and international cases)

Enhance the Drawdowns to be only up to certain amounts or tax brackets

ACA Tax Credit/Deduction Estimator (leanfire)

Buy an annuity

Templates for historical recessions, depressions, black swan events

QCD modeling

Zoom in on individual Sankey Cash Flow sections

Add more Milestone types

Add option to withhold taxes from pension just like salary

Allow calculating Property Taxes based off assessed value distinct from market value

Uk workplace pensions should support 25% tax free on each withdrawal (UFPLS)

Crowd sourcing of national tax schemes

Assets asigned by Ticker i.e. stock, bonds, mutual funds

Add Change Over Time settings for Cash Flow Priorities

Add RESP investment account for Canada

Milestone Control Points in Advanced Editor

Automatically run Monte Carlo simulations on "major changes"

Conditional Expenses in Plan

Qualified Charitable Distribution

Model living expenses as a roll up of individual expenses

Capital Gains/Income Harvester (leanfire)

Tax withholding (link to tax rates)

Manually entered portfolio for progress calculations

Capital Loss Carryforward

CPP & OAS Modelling for Canadians

Add a specific NQDC account for USA users

Add ESPP for models

ChatGPT integration for insights and Risk Analysis

Rental property depreciation based on actual year placed in service

Forecast for Actual Progress

Dynamic spending in retirement

Improving Australian Income Tax brackets

Asset-backed loans

Allow user to set y-axis

Modify Australian Superannuation Account types

Bug-out Net Worth

Donor-Advised Fund Account Type

Advanced settings / expressions for defining starting value of future expenses / income, etc.

Add a better breakdown for Local Tax on the Taxes tab

Add Solo 401k Employer Contributions

Update cost basis with account values

Compare Monte Carlo results across plans

Income splitting for Canadians

Have Retirement Age Based on Chance of Success "X" Percent

Roth IRA Withdrawals from only contributions and conversions >5 years old

X Axis - View year and age at the same time

Add investment type TSP (Thrift Savings Plan)

More control to model real-estate rental investments

Bonus as percentage of salary

Add/Edit Income, Expenses, Priorities, etc Across Multiple Plans

Limit to only Medical/Health Care Tax Exemptions that exceed 7.5% of AGI

Withdrawal Strategy Specific % changes over time - Australian Super Pension funds

Add selection to dividend reinvestment for only a certain time period

Add additional plot Metrics in Plot Builder

Cash-Flow: View greater detail

More complex milestone criteria

Canadian Professional Corporation

Share a read-only view of account

Add company logo to dashboard

Add option for charity to be 10% of post - tax income

Folders/Nesting system for plans

More Granular Dividend Tax Treatment (Plan Level)

Add an option to force all Dashboard charts to the same scale

Add existing contribution room field to tax advantaged accounts

Early de-registration / melting down of RRSP accounts (prior to mandated RMDs)

UK - consider adding Cash ISA as an option

Sync with YNAB

Add UK income tax estimates, and tax credits for rentals interests and SIPP

Family Trusts (AU)

savings accounts: option for foreign currency + exchange rate

Tax Exempt: choose Fed, State, or Both

Risk Based Withdrawal Guardrails

Ability for standard W2 user to plug in pre-post tax deductions upfront - UI/Flow improvement

Option to track Expenses

Add Utilities Expense to Real Assets (Building)

Tax visualization alternatives

Sequence of Returns Risk In Simulation

Spousal RRSP contribution

Registered Education Savings Plans and related benefits (Canada)

Whole Life Insurance Modeling for Investment, Retirement, Tax, and Estate Planning

Account-Level Probabilistic Monte Carlo Returns

Modify color of account icons

Smart ACA tax credit

HSA pre-existing expenses (before simulation start)

API for `Sync to the Cloud` users

Interest-only loans

support 2nd mortgage/HELOC linked to Home

Housing - adding projected remodel expense to a housing asset

Add "Indicators"

Allow milestones to look ahead at future expenses

Define a value as a percentage of any other value in the simulation

Add swedish ISK investment account.

Add an optional source account for income streams

Add Children/Dependents names/bdays to set expenses around their ages

Link Home Values to Zillow Estimates

Add detailed asset class models

Tax Credit Support

Support 401k Loans

Add a "last updated" tracker to Current Finances accounts

New Asset Class: Aircraft

Cash Flow Priority: "Gift anything left over"

Model Health Care/Long Term Care Insurance Costs

Add tax rules for Ireland

Support for US federal FERS pension

Set milestones based on the sum of accounts

Allow multiple 529 accounts to fund into a college payment (e.g. multiple funding sources for a event)

Add spousal benefit to pension

Highlight stacked bar being hovered in tooltip

iOS / Android app?

create equations that combine multiple metrics

Joint account with Premium, and creator permission settings

Pro: Adopt an account without adopting billing.

Ability to exclude property taxes from Tax Analytics tab (and ideally Cash Flow tab)

Model inherited assets, like real estate, cars, etc.

Allow milestones to delay start of a House's "Generate Rental Income" option

Monte Carlo outcome configuration

Cash flow priority from a specific account

Allow for in year tax payments

Persist selected datasets in all plots

Add plot for liquid net worth on progress page

Drawdown from multiple accounts to meet a certain dollar value.

End of life medical expense modeling

Debt Paydown Schedule

parental leave - increased granularity

Rental Property Accumulated Passive Losses

Add fractional/percentage of ownership on assets

Allow tax brackets to remain fixed despite inflation

Include an Account Growth / Interest Rate option to "Match Inflation +/- %"

Allow the community to contribute country-specific pension/saving plans

Model Employee Stock Purchase Program (ESPP)

Australian Government Pension following the asset / income tests

Add 'NonTaxable' checkbox in More Options in Charity Expense and Custom Expense

Second user for account

Milestones across top of Cash Flow

Ability to combine multiple accounts/investments into a "FIRE Portfolio"

Add new Net Worth Calculation that Excludes Primary Residence Equity

Tax Deferred Investments as Milestone Criterion

Sensitivity Analysis

Flexible/Discretionary/Abandoning Expenses

Option to annuitize an account instead of taking withdrawals

Add event badges to Sankey modal

Import data from CSV

Support global variables

Lightweight Budgeting: Enable me to average variable expenditures

Allow expenses to be excluded from milestone calculations

Generic account

Additional dependent line items

Being able to determine how cash / interest on cash is taxed

Conditional Expense Based on Net Worth modelling

Nested Conditional Logic for Milestone, "If Exists" other milestones

Add ability to model 409a plans to see how deferred income can affect overall taxation with options for 5- 10-year payout with growth in the meantime or lump sum payout. Visibility on overall taxation burden as well as income bracket changes after retirement.

HTTP API

Add a Restart-At-Random-Times option for Historical Sampling

withdrawal from tax-deferred up to a tax bracket

Show full dollar amount on hover

Recurring Debt Item - Buy, Borrow, Die strategy

Add support for Head of Household tax filing status

Fix California tax calculations

Display text description of time period

Filter Monte Carlo Simulation Results by Milestone age

Equity Milestone to Track Equity Across All Real Estate Assests

Coast Fire Calculator

Option to specify property management fee as percentage of rental income.

Ability to more accurately model the sale of a rental property

Liquid Net Worth + Progress Charts and Improvements

RRSP tax withholding setting

Support modeling of a late medicare enrollment

More detailed 401k input form

Add historical Australian inflation as data source

Requesting separate Networth for Dashboard and Current Finance view

Add New York City tax modeling

Add an "end date" to an account's liquidity

Singapore Tax Config and Account Types

Add "Business equity" and value to investments

Enhance Pension Plan Modeling to include distinct inflation adjustments

Color scheme to differentiate between me and my partner in plan view for stacked graphs

Create saveable custom income tax settings that can be used in in new scenarios

Post-Tax Withdrawals

Add Austria tax presets

Roth conversion - percentage

Defined Contribution Pension, Lump Sum, and Rollover to IRA

Multiple "What-if" Monte Carlo's

.CSV file download of future cash flows

Historical and normalized distribution option for real estate returns

Historical account balance

Could Inheritance Tax be included upon death, along with being able to select which accounts are exempt from it

Expand Yearly Summary Pane metadata & design to Plot Builder

Personal Financial Statement

Household total by account type

Add "build up to target balance" strategy to other accounts.

Additional financing / down payment options

Model contributions based on a set goal + date

Tax support for other countries

Referral discounts

add closing costs field to house purchase

Addition of Achieving a Better Life Experience (ABLE) tax-advantaged savings account (US)

Allow user to rearrange effective bracket boxes

Property transaction taxes

Roth Conversion Optimization

Additional Historical Monte Carlo Option

Tax Analysis - Rate Progression graph: Expand x-axis to the left

Global Market Returns Options as Presets in Chance of success

AI Chatbot

Add Change-Over-Time for an Asset's expenses, income, etc

Add support for including fees from taxable investment accounts as an income reduction for taxes

Modelling Taxes on Dividends for Canadians

Canadian Controlled Private Corporations (CCPC)

Ability to display Accounts, Income, Expenses, Real Assets, Cash Flow Priorities NEXT to the Plan Graph

Implement SSO

Chance of Success - track individual account balances for each trial

Allow bi-weekly and/or custom payment frequency.

Refinance Mortgage

Customizing Colors on Built-in plots and Custom Plots (accessibility)

Roth 401k rollover to Roth IRA so contributions can be withdrawn.

Set net worth X-axis as Year 0, 1, 2, 3, etc.

Add Japan's NISA to Investment Presets

Override withdrawal strategy (WS) with constaint such as sale of real estate

Chance of Success - more data sources

User-friendly Yearly Summary table export

start date for drawing Social Security depending on financial conditions

Non-qualified Withdrawal Warning (different from Early Withdrawals)

Allow alternative cost basis method per account (Taxable Investments)

Option to set annual pension withdrawal amount as % of pension (or 'periodic pension payments')

Order Of Withdrawals Suggestion

Calculate Maximum Spending Possible Year By Year

Option to have a cash account's target balance tied to a loan balance

Add RSUs to Monte Carlo simulations

Allow net worth to display as rolling average of X years/months

Effective Tax Rates: Non-Income Tax Treatment

Custom Asset "Generate Rental income" increases

Australia - negative gearing

Add Japan to "International Tax Presets"

Australia - Medicare levy threshold

Define CoastFI date based on future value projection of portfolio

Team Members

Make Real Assets like precious metals behave more like a taxable investment accounts in terms of sales and drawdowns

Add Net Income Metric

Ability to make a lump sum payment on a loan with specific account balance

Allow for mortgage biweekly payments

Executive Deferral Plans

Family Limit on HSA does not give $1000 bump for each participant when they are both over 55

Reorder accounts in various lists

Allow for entering investment assets by type

Add feature for Reverse Mortgages

Drag to Re-Order Plans

Add International market experience from other countries beyond the US

Chart option to show display cost-basis and unrealized gain for Accounts or Categories

Add Spain Tax Presets

Set annual income as inclusive or exclusive of superannuation

Add YTD metric to Progress Chart

Separate cost basis and gain in investment withdrawals in Cash Flow chart

Add support for marking a taxable investment account as tax exempt for cap gains or dividend taxes independently

Add investment/retirement account for singapore. Called "CPF"

Make the Withdrawal Strategy expense one of the plottable metrics in MC mode

Interest that compounds quarterly

Support for rule of 55 modeling in USA

Emergency Fund (linked to 1 or multiple Savings or Investment Accounts) to be displayed in the current Finances view

Grid showing Inc/exp by year in one sheet

More options when Cloning a plan

Improved Summary Metrics Column Behavior

When expenses end before they start, warn instead of error

Angel investments or funds investments

Import "Change Over Time" control points from a CSV

Filter trials by result in "Chance of Success" monte carlo simulation

Support variable mortgage interest deduction limits by state

Add South Afica in internation Tax Presets

Sorting Plans

End-to-end cash-flow for Joint Accounts

Be able to categorize an expense as a Tax

Revert tcja taxes back to old taxes starting 2026 - as per current tax law

More fine-grained control over expenses

European data for automations/helpers

Option For Traditional IRA Contributions Above the Deduction Limit

Line Item Depreciation Enhancement

Allow Milestones based on other age-based milestones to use negative year offsets

Add the "endowment strategy" for withdrawals

Ability to indicate if an account is included in wealth tax computations

Held away account real-time link therough Plaid (or any other)

Add Monthly Payout to Defined Benefit Pension

Allocate Income to partner

Dividend Flexbility

Aggregate Self-employment income for 401k contribution

Rent vs Buy Analysis inside Housing Asset

Non-concessional super being abandoned early (Bug)

Bonus or Commission Category for Income

Copy/Paste custom growth rate curves

Plan-wide Crypto growth rate modelling

Clearer Monte Carlo Milestones display

Link to Personal Capital Balances

Flexible expenses - in deterministic mode

Pro Account feature: on-boarding of clients, and spinning them off as Premium customers

Scriptable objects & API for advanced users

Triggered Expenses / Donations (a DAF funding idea)

Housing - US Tax estimation for primary residence home sale

US Tax Estimation - Savers Tax Credit (leanfire)

Fine-grained enumeration & tracking of investments

Handling of deductions for self-employment income

Mortgage Escrow for Property and Insurance Fees

Allow for more than one income tax scheme or picking of deductions

Number input for "+X" milestones

Simple Investment Calculator

Add Amortization withdrawal strategy (ABW)

Add rates over a time period as criteria

Multiple withdrawal strategies in the same plan

Support GST/VAT/Sales tax on expenses

Compare all available Withdrawal Strategies with your Plan at once

Dynamic Chance of Success for Fixed Date Plans

In plots that have dataset configurability, add a Total Selected <Metric> to the hover pane / tooltip

Ability to see visualize upward (or downward) progress against asset type or class.

Add option to mirror W4 for each income item

Show total taxes in hover pane on Taxes subtab in Tax Analytics

Show Withholding and Tax Return Payments in Tax Analytics tab

Allow specifying asset value as condition for milestones

Plan starting conditions from projected account values

Support "Advanced Growth Rate" graph for Real Assets

Support route by percentage to specific accounts

Show historical growth rate graph in plan

Add Fixed Contributions Option (history) to Roth IRA

Add Swedish PPM (premiepension) as investment type

Create two instances of the tax settings when planning for couples with separate taxation to be able to individualize rates / deductions

Add ability to model investment growth rate as a Power Law

Add ability to save curves in "advanced" growth rate, roth conversion, etc., curve editors

Allow for rebalancing as part of drawdown

Rate Progression UI Refinements

Flexible currency dates for fixed date plans

Make life events in Sandbox Mode easy to add to Current Plan

Contributions plot – apparent mis-categorization of 401k matching contributions

Tax Analysis - Rate Progression graph: More detailed information on rate composition

end an account

Group milestones in milestone editor

Brokerage Account Turnover and Taxes

Improve Concessional / Non-concessional Employer Match with combined Cash Flow Priority

Plan changes/"what if" should not affect projection line before present date.

Rental income in actual currency please

Self-directed (or multiple IRA account) RMD priority and transfers

Withhold taxes from taxable investments and savings accounts

Goal Seek for Account Selection or Tax Decisions

Encrypt user data with customer-managed key

Prevent 72t from beginning after the qualified withdrawal age.

Restrict Monte Carlo milestone summary statistics to only years milestone occurred (exclude "never")

Toggle to show historical progress with inflation-adjusted totals

Add ability to bulk copy items (e.g. expenses)

Implement a "Logout of all sessions" feature

Deflate tax brackets and contribution limits for fixed-date plans that start in prior years

Future “Starting amount” should reflect inflation +X%

A 'Trash' area for deleted plans

Option for semi-annual compounding for Canadian mortgages

[USA] Allow different filing status for Federal and State

[USA] Support "Married Filing Separately" Federal and State filing status

Allow for modeling bond allocation in terms of years leading up to and years after retirement

Separate total income stream amounts from the frequency of payment

Side Hustle QBI deduction

Ability to track foreign properties

Adjustable Sales Price for a Real Asset

Gift of an Asset

Hebeler Autopilot II withdrawal method

Employer matching contribution percentages in 401ks

Allow All Expense types to Fund from a Specific Account

Link multiple loans to an asset

Expose Tax Settings when 'Estimate for Me (US)' is selected

UX Improvement for Chance of Success on plan change

Puerto Rico Taxes Fix

Better indication of accounts that are linked to Starting Conditions vs. Current Finances

Ballon payments on vehicle finance

Housing - Allow multiple mortgages

Appearance option to cash flow in monthly instead of yearly dollars

when the bell notifications are listed being able to go directly to he feature from the notification area.

Roth Conversion - complete by age

House Appreciates at House Appreciation Rate Before Purchase

Lock Years to Pay Off Home Loan Instead of Monthly Payment

Freeze Headers while scrolling in Progress Points table

Account for SALT caps in Tax Analytics / Deductions

Allow for Medicare adjust via SSA-44 form at retirement (or other life change events)

Roth conversion real time metric view

Change backend hostname on frontend nginx conf?

Support drawing down from Pledged Asset Line and calculate the interest paid until the amount withdrawn is paid back

Add a Gen Ai layer to the whole app for personal finance advice

Multivariate assumption optimization to include QOL

Add deductible limit/carryover length to 529 accounts

Chance of Success should include triggered property liquidations

Add option to repeat an expense X times (in reccurance options)

Change default historical MC sim to "random years, non-chronological"

Add Italy to "International Tax Presets"

Vend multi-platform artifacts for self hosting

Option to contribute X% of an income to any account, not just 401k.

Add time criteria for automobile 'Yearly Maintenance Costs'

Tax Deduction with Carryforward

For Monto Carlo, denote if plan ever came close to failing, not just the final NW

Community Metrics

Add a Undo button

Add Institutional Capital Market Assumptions Pick-List to Monte Carlo

Filter Sankey Chart by Expense(s)

Add an option to breakdown current finances by individual

Student loan IDR plans (income-driven repayment plans)

Allow growth to be specified as either APR (simple) or APY (compounding)

Expected Value: Deterministic and Probabilistic

US Tax mode. Reporting quirk in summary pane -- LTCG and Unused Deductions

Roth Conversions Linked to Existing Roth Account

Usability suggestion: Roth IRA cash-flow priority

Option to Exclude Assets from Dashboard Net Worth

Y-axis scales automatically to the displayed range.

Selling a house that is underwater should payoff the mortgage in it's entirety

Add arrows (left, right) on age slider

Don't move icons when changing simulation criteria

Ability to visualize investment growth rate in simulation results

Link to Account in Plan View from Current Finances

Custom work weeks for hour income

Duplicate "Cash flow priorities" to another Plan

Replace the generic person icon with the icon of the person that the age is based of.

Custom icon for appearance

Target Line on Plots

Option to display values as percentages

Specify Which Account to use to pay taxes.

Show both partners' ages in X Labels

Allow different tax rates for each person when filing separately

Show owner's name in chart icons

Warn about healthcare coverage gaps

Allow entering email and password immediately

Add additional options to recurrences to include cut offs

Support Time-Bound Investments with a known end-date such as Certificate of Deposits

Add a "Total Outflows" group/expanison panel for Annual Summary

Plan Growth Rates - Conservative, Aggressive, Median

Summary table of retirements ages based on customizable net worth and spending brackets for all plans

Real Assets setup improvements are needed to reflect common scenarios

Store the most recent "Chances of Success" outcome at the Plan level on the Dashboard

In Plan view, Accounts, add "Roth Conversions <timeframe>" in small type under Name

In Plan view, add "Funded from <account name>" under Custom Expense Name in Detailed View

In Plan view, allow more characters in the Name to be visible on larger monitors

Reset Monte Carlo Data Sources to Default

Ability to change principle place of residence to investment property (and vice versa) in plan

Add real rate of return to Monte Carlo results table

Add choice for 72t life expectancy tables

Real Estate Transfer Tax

Percentage of Income Across Multiple Priorities

Growth Rate Option to Sample Monte Carlo Simulation

Add "Current Balance" option to Cash Flow Priorities

Enhance Locale Settings

Ability to Duplicate Real Assets linked from Current Finances into a plan

Addition of Portfolio Visualizer style growth projections

Add option for Untaxed Super Fund (AU)

Update to 'Locale' on Dashboard -> Display Currency

RTL support in names and descriptions

Term Deposit / GIC / Certificate of Deposit (CD)

Trigger borrowing from a Line of Credit if/when Liquid Net Worth is too low

"Stacked by Account" plots, but grouped or summarized by Account Owner

Separation Modeling (Joint --> Solo)

Periodic asset liquidity

Support for Brazilian pension plans (PGBL and VGBL)

Independence criteria: net worth > 0 at end of life

Pin salaries and assets to top bar to change a variable

Change Export File Naming For Better Sorting

Historical Simulation With Modifier

Dividend amount vs. yield

Toggle between TCJA tax bracket options

Bi-annual Income Frequency

Allow Rearrange of Custom Plots Order

Increase Simulation Count

Alerts to advisor's pro account email from Projection Lab based on client activity in connected account

Investments section - Add an option for Provident Fund (India)

Configurable percent of tax deduction for an expense

Smarter Invite Link Pop-ups

Add one off expense option for House expenses.

Routing of custom income to mortgage payment

Credit Cards to incur debt

Life insurance need

Random number seed for the MC simulation

Add DTI to Info panel under plan view

Selected Year in Plan View should display projected values in plan items

Improved Inflation Increase Calculation

Tax rates modifier over time.

"I Already Own This" checkbox for Housing Assets created inside the plan.

Add bubbles on chart for achievement of cash-flow priorities

More than one source for House Financing

Additional information on Sankey tooltips

For rental income, if it's marked as self-employment income (i.e.an active rental business like AirBnB) it should be eligible for cashflow priorities like 401k / roth 401k

Tracking accounts as well as net worth

Sync notes from accounts to projection page (accounts and cashflow tabs)

Allow saving comparison into a new plan

Account fee on deposits as well as asset balance

Expense and Income card - show range of values for Advanced mode

Display Income and Expense value range, over time

Display frequency label next to 'Starting Amount' when handling recurring items

Grouped accounts

Descriptions for advanced contribution types

Allow negative interest rates on savings

Report on asset allocation relative to set target

More complex investment feature

Syncing with Lunch Money