What changed in OutlastRetirement, a few plain lines a week. The last 6 weeks are below week by week, and earlier work a quarter at a time.
A note that says your numbers will change means a fix or a new rule can move your plan’s results. Inside the app, Help → What’s New lists every change in full. OutlastRetirement is educational software, not financial, tax or legal advice.
Week of Oct 19, 2026
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Investment fees in every plan, and tax corrections from a second outside review
- Investment fees, a balance to keep, market history from 1871, and more ways to compare. Plans now pay investment fees: fund expenses, 0.10% a year by default, and an advisor fee, 0 by default, both at the top of Assumptions. They come off your balances each year after the return, as real fees do. Risk → What fees cost you shows your plan beside the same plan with a 1% advisor fee: the fees paid, what is left, how many historical starts last and the most you could safely spend. Your numbers will change: slightly lower, by the 0.10%. A new Keep at Least setting makes the success rate and the historical starts count a run as lasting only if your accounts never fall below an amount you choose. And the historical starts can begin in 1871, adding Robert Shiller’s record of the years before 1928. In Premium, the historical comparison adds two spending rules (percent of portfolio, and Bob Clyatt’s 95% rule) and runs your plan at 40% to 80% in stocks. And a plan can now carry three short answers, what it should maximize, what you won’t risk and what you would give up, which saved scenarios keep, the comparison shows and the printed report includes; a new lesson 7 on the Learn page shows how to use them.
- No more phantom alternative minimum tax for households that itemize. Since itemized deductions arrived on October 17, every household that itemized was charged an alternative minimum tax the law does not impose — $8,000 to $23,000 a year — because the whole itemized total was added back where the law adds back only the state and local tax line. Your numbers will change if your plan itemizes: federal tax falls by that amount, and the optimizers may change their recommendations.
- Itemizing with an HSA, an ACA credit or Medicare premiums. The year’s starting tax was priced on the medical deduction before the HSA draw, the ACA credit and Medicare premiums were known, and the rest of the year on the final figure, so the difference was lost: a household whose HSA paid the bridge premium was under-taxed by 70%. The base is priced once, on the final figure, and a fill-to-bracket conversion is sized with medical costs in view. Your numbers will change if your plan itemizes and has any of those.
- Roth conversions pay the bracket’s tax, and earn the ACA credit they reach. A Pre-Tax First plan converting to the top of a bracket paid up to 40% more federal tax than the ceiling owes, because each trim of the conversion was priced before the tax it saved came off the draw; it now pays what the income owes and converts the room that frees. And when ACA Subsidy Protection converted enough to lift a year over the poverty line, the premium credit was priced on the income before the conversion, so it came out at $0; it is priced on the lifted income. Your numbers will change if your plan does either.
- The optimizers no longer reward a Pre-Tax bequest to charity. Net to heirs after every tax priced the whole Pre-Tax balance rather than the heirs’ share after a charitable bequest, so giving $1,000,000 of Pre-Tax money to charity made a strategy rank higher; and it left out the heirs’ state income tax. Rankings will change if your plan has a Pre-Tax bequest or heirs in a state with an income tax; your plan does not.
- Readiness cards count an annuity, a reverse mortgage and HSA draws; a charitable IRA distribution adds up. The paycheck and first-five-years cards left out a purchased annuity’s payout, a reverse mortgage’s and an HSA draw for a shortfall, showing a negative “other” line instead; they are named now, and a qualified charitable distribution is shown as given to charity from an IRA. A distribution made before required minimum distributions begin now appears in the Pre-Tax column, so Year by Year reconciles. Your numbers do not change.
- Dividends taxed closer to how they are paid, and the ACA cliff guarded by default. The taxable account’s qualified-dividend share is weighted by what the stock and bond sides each yield (1.3% and 4.0% by default, both editable) rather than by the balance split, so a 60/40 account’s income is about a third qualified, not 60%. In Detailed Holdings (Premium), a REIT, covered-call or business-development fund left at Not Set now counts as ordinary income, and Mixed counts half. ACA Cliff Protection is on for new plans, and a Plan Feedback card appears when the marketplace premium the plan assumes is far under the benchmark for your ages. Your numbers will change if your plan has a taxable account on the default yield split.
- Readable status pill, a tooltip that keeps the button’s name, and no by-hand production deploy, checked library files. The sidebar’s plan-status pill meets the contrast standard in the light theme; the Mark as current button is named by its own words to a screen reader; the site is deployed only by the public repository’s workflow after its checks pass; and a Premium module’s supporting library files, such as the PDF reader, run only after their fingerprint matches the signed module, so the module server can no longer run code on the page directly (Premium). How the math works now prints cleanly from a Print button, and the app’s footer links the privacy policy. Email to us now goes to addresses on our own domain, such as hello@outlastretirement.com. Every CSV export now says what it is and which dollars and assumptions it uses, the Monte Carlo range downloads as CSV, and any historical start opens in Year by Year. Setting up Live Pricing (Premium) now starts from a copy of our pricing Sheet, with the steps on the pricing script page and a narrated walkthrough.
Week of Oct 12, 2026
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Premium loads as its own module, and asking for Premium no longer fails silently
- The optimizers rank by what your heirs keep after every tax. The Tax Optimizer Hub, the Roth Ladder Optimizer, the Contribution Split Optimizer and the Action Plan used to pick their winner by the ending balance, which counts a Pre-Tax dollar as a Roth dollar, so a strategy that left tax unpaid always won. They now rank by net to heirs after every tax: the Pre-Tax balance less the income tax the heirs pay drawing it down, the Roth and taxable accounts at their value, the other estate assets, less estate tax. The ending balance is still shown beside it. Rankings and recommendations can change; your plan does not.
- Help popups from the keyboard, chart cards in place, which dollars, which year, every state, what our host keeps. How the numbers are figured now opens with a table of which year each area’s figures come from, naming California’s 2025 figures grown forward until California publishes 2026. The “8 of 10 simulated markets” range on the Ending Balance card, the Dashboard chart and Year by Year now has a help popup and an Input Dictionary entry saying what the two figures are and that they are the typical spread, not the odds of lasting. The privacy policy now also says that the Demo Plan sends the module server a demo delivery key built into the App (the same for every visitor, not a Premium key, carrying nothing about you) and that a loaded Premium module fetches a few third-party files — the PDF reader, the chart library, the Live Pricing script — without a key, as any page fetches a script. The pricing-script page now says plainly that the script runs under your own Google account and that its Yahoo Finance fallback is yours to keep or remove; each country summary’s exchange rate shows its source and the day it was read. The privacy policy now says that our host keeps short-lived request logs we can see for a short time and do not export, analyze or keep; two sentences had read as a stronger promise. The Peak and Ending Balance cards say which year’s dollars they are in, the Premium page says all 50 states and DC are priced by their own rules, and the phone footer no longer covers a page’s last line. The hover card on every chart now appears where the pointer is instead of sliding in from the chart’s corner. The Look it up link inside a help popup can now be reached with Tab, and Tab or Escape from it returns to the field. The sidebar’s entries and buttons are named by the words they show, so a screen reader or voice control finds them by those words. A printout from the dark theme no longer starts with a gray box where the logo goes. The Terms of Use now carry their October 16 date, for the clause added that day saying the App’s core is published under the GNU Affero General Public License.
- Twenty-one corrections to the tax and estate arithmetic. From a review of the math. California’s brackets, standard deduction and exemption credit now grow from their 2025 figures by your Tax Bracket Inflation Rate instead of standing still for the whole plan, so California tax no longer creeps up year by year. Tax-loss harvesting now sells only a loss the taxable account actually holds (its cost basis over the declined value, plus this year’s own contribution) and the sale resets the basis, where it used to book the whole decline as a loss and keep the old basis, deducting one loss twice; enter the account’s cost basis under Initial Balances. The withdrawal-rate guardrail now reacts the year after a bad year rather than two years after, since it judges last year’s spending against the balance you start this year with. In a Monte Carlo trial that samples inflation, the brackets, the Social Security increase, the Medicare premiums and the contribution limits now move with it, not only your spending, so an inflation-shock trial is no longer overstated. A plan whose first year is not 2026 now carries every tax figure from 2026, the year the figures are from, instead of using them unindexed in its first year. Wisconsin is no longer treated as a state with an ACA coverage gap (its BadgerCare program covers adults to the poverty line), and a Qualified Charitable Distribution is allowed from the year you turn 71, with or without a required minimum distribution and beyond it. The federal return now itemizes when that beats the standard deduction — state and property tax under the cap, mortgage interest, cash gifts and medical costs over 7.5% of income — with new property-tax and charitable-giving figures under Taxes & Roth, and deducts up to $1,000 ($2,000 joint) of cash gifts even on the standard deduction. A spouse more than 10 years younger who is the sole beneficiary of the Pre-Tax accounts now puts the required minimum distribution on the IRS joint-life table, so the required draw is smaller. The pre-65 marketplace premium tax credit is now computed the way the law computes it — the benchmark silver premium for your state and ages less the share of income you are expected to pay, settled on the return — instead of a figure you typed; a plan with a bridge and income under 400% of the poverty line costs less. The taxable brokerage yield is no longer all qualified dividends: by default its stock share is qualified and its bond and cash share is interest, taxed as ordinary income, following your plan’s stock/bond split year by year; a Detailed Holdings bond or cash fund with no character set is interest too (Premium). Social Security’s announced 2027 figures are in: the 3.6% increase (on the default COLA assumption), the $192,300 wage base and the earnings-test amounts. The Survivor Stress Test now reads its age the way Life Expectancy does, so the year of death is a joint year and the survivor’s years begin one year later. The ACA 400% cliff and the coverage-gap floor now use the poverty guideline published the year before the coverage year, as the marketplace does: for 2026, $84,600 for a couple and $62,600 single rather than $86,560 and $63,840, so a conversion capped at the line stays under it. Estate: Today’s Dollars deflates the heirs’ state income tax, the household effective estate tax rate counts generation-skipping tax and that state tax, and a year-one draw from an inherited IRA is priced above the year-one HSA and NQDC lumps. Filing separately with the income split: fill-to-bracket conversions fill the bracket on both returns, not half of one, and with an uneven split each return now keeps its own standard deduction against its own income. Tax-loss harvesting: the $3,000 ordinary-income offset comes only from loss left after the year’s withdrawal gains. And the withdrawals that pay an ACA clawback, the ACA boost’s tax or a Medicare premium true-up are taxed like any other; a QCD comes only from the taxable part of an IRA; a move abroad part-way through a year earns the foreign tax credit for that part only. Your numbers will change if a plan has any of those.
- A Premium key says whose it is, can be re-keyed without cutting anyone off, and can be canceled on its own.Premium From October 18 each key also carries a random serial number, so a single key that leaked or was canceled can be refused by the module server without retiring the signing key behind every other key; Preferences shows the first part of yours. A Premium Access key issued from October 16 carries the email address it was sent to, alongside the Premium flag and the expiry; Preferences shows it, and the privacy policy says exactly what a key holds. From October 17 each key also names the signing key that issued it, and the App and the module server keep a short list of signing keys they trust, so a signing key can be retired and another started while every key already issued keeps working. Keys issued earlier carry neither and keep working.
- The Restore Backup confirmation fits the window again. When a backup carries a Live Pricing connection, the two long Google addresses shown in the confirmation now wrap inside the dialog instead of pushing it off the right edge of the screen. The red confirm button on that dialog, and on Erase and Reset, now uses the App’s own red with readable type and the usual teal focus ring.
- Restoring a backup on a new browser works in one pass, statement import reads in the background, and your DRIP labels stay.Premium The PDF reader behind statement import now does its parsing in a background worker again (the worker’s script is fetched from the module server and started from a copy on the App’s own origin), so a long statement no longer freezes the page. On a browser that had never seen the App, a restore could fail to load its key checker, call the backup’s Premium key invalid and skip the Detailed Holdings, so the backup took two restores; the check now retries, and a key it cannot check just then is restored and checked when the page reloads. A backup also records that the one-time lot-label correction from September has run, so restoring it on a new browser or computer no longer re-runs that correction on holdings you had already fixed. A backup made between September 30 and October 12 does not carry the record; make a fresh one.
- Each Premium area is now a separate module, and the demo no longer reports a rejected key.Premium Opening the demo without a key had shown error cards saying a Premium key was not accepted, in place of the Premium previews; the demo now shows the locked cards a free user sees, and its read-only Detailed Holdings view loads again. Detailed Holdings, Retirement Spending in Full, Readiness in Full and Relocation & Residency now each load as one Premium module, only when your key is present; free users no longer download that code at all. Nothing you see or enter changed, every Readiness question stays answered free, and a move abroad already in your plan is priced exactly as before with or without a key. If you added a move abroad from a country summary before this release, add it again to restore the notice’s lines about that summary’s Roth answer and estate rules. The Live Pricing settings in Preferences now show only for Premium, since only Detailed Holdings uses them.
- When no email app opens. The buttons that email us for a Premium key open your own email app. On a computer with no email app set up, nothing happened and it looked as if the request had gone. Now, if no email app opens, the page says so, shows the address and subject to use, and offers to copy the address. Nothing is sent from the page itself, as before.
Week of Oct 5, 2026
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Reconcile with your statements, and preferred shares price properly
- Retirement target from a typed budget.Premium If you type your own current budget and have a mortgage or debt payment, the steps that suggest a retirement target were subtracting those payments a second time. They no longer do, so the suggested target is higher by a year of payments. If you applied the old suggestion, your numbers will change when you apply the new one.
- Chart scales that add up. The dollar scale on the savings charts rounded to one decimal of a million, so a line at $450,000 was labeled $0.5M and the steps looked uneven. The scale now shows the exact figures. The Dashboard chart also opens without the taxes line; the switch is still there, and a choice you already made is kept.
- Could distributions alone fund retirement?.Premium The what-if at the bottom of Retirement Income asked about dividends alone and mixed yearly and monthly figures, so its first card could disagree with the percentage beside it. It now asks about distributions, which include fund payouts and interest, states every figure per month with the yearly amount beneath, and builds all of it from the income basis you chose at the top of the sub-tab. Nothing in your plan changes.
- Learn, and a second demo household. The website has a new Learn section: a two-minute tour and six Start Here lessons, from Will my money last? to what to do when a plan runs short. Each lesson is pictures with the words written out beneath them; they are read online and are not stored by an installed copy of the app. The lessons follow Ray and Angie Parker, an ordinary fictional couple with two paychecks, a mortgage and no pension, whose plan runs short as it stands. Their plan opens from a lesson or from the home page; Try the Demo Plan still opens the Carters. Every page of the website now shares the home page’s header, with a larger logo, and the Premium page says plainly that you are invited to ask for access.
- Mortgages and debt payments. A plan with a mortgage or other debt payment that works out today’s spending automatically was counting the payment twice, and cutting your retirement contributions and employer match to cover it. The payment now comes out of what is left of your pay, as it does in life. If this applies to you, your numbers will change: more saved by retirement and a plan that lasts longer.
- Website. In dark mode the website’s header showed the logo twice, the second copy nearly invisible. It now shows one.
- Reconcile with your statements.Premium A new Reconcile button in Detailed Holdings shows each account’s activity for a month, quarter or year: opening position, purchases, distributions, sales and closing position. Print it with a column to write in what your statement says, correct differences in the holding’s ledger, then mark the account reconciled yourself. A purchase or reinvestment that appears twice is pointed out on the report. An account whose statements only arrive quarterly or annually can be set that way, so a monthly review does not ask you to check it.
- Detailed Holdings.Premium Statement import now reads Charles Schwab statements. A holding’s ledger lets you edit or remove a tax lot on the spot and flags lots that look entered twice; removing a duplicate lowers that holding’s shares and dividends to what your statement shows. The research link beside a holding now updates when the ticker it is priced by changes, instead of opening a search page for the old ticker. Links you typed yourself are never changed. A holding whose price came through is no longer marked Not found, and an updated pricing Sheet script (version 4, which you paste into your own Sheet) fills in dividends for preferred shares and other securities Yahoo Finance only partly covers. The notice that your script is out of date now has a Copy button and links to a page that shows the script.
Week of Sep 28, 2026
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Every retirement since 1928, guardrails that show their cost, and privacy you can check
- Every retirement since 1928. The Dashboard’s savings chart now shades where savings ended in 8 of 10 simulated markets, and the verdict checks the plan against real markets even before the Monte Carlo has run. Risk & Stress now runs your plan through every real retirement start since 1928 and tells you how many it lasted through, which start was hardest, and the most you could spend each year and still last through all of them: your own version of William Bengen’s SAFEMAX, the research behind the 4% rule, worked out after tax. You can also replay any single start year with that period’s actual returns and inflation. The year-by-year table for every start, the side-by-side comparison of spending rules and the spending that lasts in 95% or 90% of starts are in Readiness in Full (Premium).
- Guardrails show what they cost. Spending guardrails skip the inflation raise after a down year and cut spending 10% after a crash in the first retired year, then restore both once the portfolio is back on your plan’s path. Withdrawal-rate guardrails now react only to markets and inflation. Both now show how far spending fell over the whole retirement, not just the balance left, and the Dashboard and Risk & Stress describe the rule the same way. If you use either one, your numbers will change.
- Every state by its own rules, and where the rules come from. The 35 states and DC that used a flat 5% now use their own 2026 rules: rates, deductions, how they treat Social Security, and their retirement exclusions, so a Georgia or Iowa retiree is no longer overcharged and a high earner in New Jersey or Massachusetts no longer undercharged. Washington residents can choose Washington under state tax to include its capital gains tax, its income tax on incomes over $1 million from 2028, and its graduated estate tax. A new Help section, How the numbers are figured, explains each tax and benefit rule and links to the official source, and the website now has these release notes and a How the math works page. The Guide, Input Dictionary, privacy, terms and Premium pages were checked line by line against the app.
- Calculation corrections. A batch of fixes to tax rules (the senior deduction, Social Security taxation, separate returns, several states) and to how money moves year to year (required distributions, the cash reserve, a surviving spouse’s accounts, and the HSA as a last resort before a shortfall), and a couple’s taxable account now takes a new cost basis at the first death, not only when heirs inherit. Monte Carlo, guardrails, optimizers and the printed report now follow your today’s-dollars setting. Some plans’ numbers will change, especially couples over 65 or with gains in a taxable account, separate filers, and plans with a cash reserve or an annuity purchase.
- Privacy you can check, and safer backups. The site now tells your browser to block connections anywhere except this site and the Google addresses Live Pricing uses. A new Verify it yourself page walks through three checks that take about two minutes, and now reads properly on a phone. Analytics stays off unless you turn it on, and now sends only the name of the tab. Backup Everything now includes your Life Plan and annual review, a new encrypted backup will not open if it has been altered, and Preferences can erase everything on this device.
- Clearer and quicker to use. One verdict everywhere (On track, Mostly on track, At risk, Runs short). The demo opens on its answer and includes plans that fail, each paired with the change that rescues it. A new Free and Premium page lists what each includes. The app downloads about 40% less before the Dashboard appears, and the home page shows current screenshots. Charts have written summaries, tap targets are larger, plan fields explain entries they cannot use, and Print / PDF Report has the same header and footer on every page and no blank last pages.
- Retirement abroad: Colombia, and the foreign tax credit.Premium Colombia joins the country summaries, for 18 in all: its income tax, the pension exemption that covers US Social Security, its yearly wealth tax and its tax on inheritances, filled in for you. How the numbers are figured now explains the US foreign tax credit and its two baskets, and dividends taxed at ordinary rates now count on the investment side.
- Detailed Holdings.Premium Importing a brokerage statement now uses a reader built for that brokerage (Fidelity, Morgan Stanley / E*TRADE, PNC Investments, T. Rowe Price, Vanguard employer plans), imports a statement with several accounts one account at a time, and checks the rows against the statement’s own total. The importers open at the top of Holdings instead of below the table. You can now type a holding’s price yourself, by clicking it in the Live Price column, to correct a wrong quote. Imports read spreadsheet-style numbers like $1,250.10 and sales take shares from the right lots. The time of the last price refresh is shown. The holdings CSV adds a ticker column, shows correct share counts for holdings tracked by lot, and explains why a 401(k) fund priced through a proxy ticker has a different price than the proxy.
Week of Sep 21, 2026
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Retirement Readiness, a better Monte Carlo, and a simpler Plan
- Retirement Readiness. A new tab answers the questions people actually ask: could you walk away today, what a 20% fall right after you retire would do (with a new, optional withdrawal-rate guardrail), what your retirement “paycheck” looks like and how much tax to set aside each quarter, how a big expense in the early years hits, and how likely each of you is to reach the plan’s final age. The headline answers are free; the detail behind each answer is Readiness in Full (Premium).
- A steadier Monte Carlo. It gives the same answer every run and centers its trials on the return you entered. It can draw from real market history (1928 to 2025) and can model uncertain inflation, lifespan and long-term care costs. It re-runs on its own after you edit and its result survives a refresh. Most success rates moved.
- Retirement abroad, 13 more countries.Premium Italy, Spain, France, Germany, Ireland, Greece, Malaysia, Thailand, the Philippines, Belize, Uruguay, the United Kingdom and Australia, for 17 in all. Also new: special tax regimes that end, inheritance tax for each heir, what heirs receive if you stay versus move, a move in any month with local living costs, and Action Plan steps for the move.
- Taxes and income. Interest and non-qualified dividends are taxed as ordinary income, and reinvested dividends are no longer taxed twice. Survivor Social Security follows the actual rules, heirs pay income tax in the state they live in, Roth conversions can stay under a Medicare surcharge tier, and Medicare can be delayed while you are on an employer plan. You can also choose what your dividends do once you retire. Some numbers will change.
- A simpler Plan. One Plan page with a Guided / Advanced switch, Find a setting (Ctrl+K or Cmd+K), a shorter sidebar, and a Dashboard focused on the main answers. New: an annual review checklist, a Where the money goes view in Year by Year, and budget lines that say how often each bill is paid, with a month-by-month view.
- Print, phones and accessibility. Print / PDF Report can now be a packet for your planner: the Readiness answers, every plan setting, an account summary, your spending for review, and an option to leave out names. Also a phone layout pass, screen-reader names for every control, better text contrast, an accessibility statement, and consistent switches, help popups and chart hover cards.
- Detailed Holdings.Premium Morgan Stanley at Work lot lists now import, an import can start a new holding, the app says when your plan is not using your holdings, and Wealth Milestones growth figures were corrected.
Week of Sep 14, 2026
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Plan a move, and Social Security and Medicare by the rules
- Move to another state. Plan a move in a given year, and every year after it, plus your estate, is taxed by the state you actually live in.
- Retirement abroad.Premium Plan a move to another country in the year you choose and see its tax on top of the US tax you keep paying. Summaries for Mexico, Portugal, Panama and Costa Rica fill in the rules.
- Social Security and Medicare. Claiming early while still working now applies the earnings test and the higher benefit you get back later. You can name a life-changing event for a Medicare premium appeal (Form SSA-44), and your first two Medicare years can use the tax returns you actually filed.
- Clearer tax figures. This year’s tax is split into federal, state and FICA, the effective tax rate now includes capital gains, and Year by Year shows each Roth conversion and the tax it caused.
- Fairer comparisons. Saved scenarios and Change one thing use the same today’s or future dollars as the rest of the app and no longer pick a winner. A charitable bequest can be funded from cash or a stock position.
- Detailed Holdings.Premium Paste a lot list or a few lines of transaction history to fill in tax lots and reinvested dividends, see where each price came from, and see Social Security as its own line in Retirement Income.
- Premium keys and terms. Premium keys now last 30 days, with a visible warning a week before one runs out. The app now has Terms of Use.
Earlier
Earlier in July – September 2026
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The core planner, Detailed Holdings, and a full tax-engine audit
- The core planner. A step-by-step Action Plan and a printable report; a Full Interview or quick setup; optimizers for Roth conversion ladders, Social Security claiming and the Pre-Tax versus Roth split; a solver for the minimum return your plan needs; and modeling for RSUs, deferred compensation, concentrated stock, life insurance, long-term care, federal estate tax, a cash reserve and possible changes in the law.
- Detailed Holdings.Premium Track holdings by lot with real cost basis and reinvested dividends, import PDF statements, rebalance to a target mix, record sales, and refresh prices from your own Google Sheet. Holdings can feed the free plan’s balances, cost basis and stock mix.
- Tax engine audit. New York and California rebuilt from the states’ own schedules, New York City and Yonkers taxes, Married Filing Separately as a real filing status, and every state estate figure rechecked. A second line-by-line audit followed: the extra deductions at 65 and how they interact with Social Security taxation, spousal benefits, the order Roth withdrawals come out in, life insurance timing and state estate tax. Years at risk of a gap in ACA premium credits are flagged, and Auto-Calibrate adjusts both spouses fairly and lists what it changed. Many plans’ numbers changed.
- Estate planning. Lifetime gifting, charitable bequests with a choice of which accounts fund them, generation-skipping checks, and an estate document checklist you can tick off.
- Easier to find your way. Grouped navigation, a Preferences tab, Plan Settings in eight plain sections, a web address for every tab, a readable Guide, and one Backup Everything button that can also save straight into a synced cloud folder. Market volatility is in view and adjustable, and the education disclaimer shows on every tab.
- Meet the Carters. A one-click demo household with a read-only look at Premium, and a reminder when your data or last backup is getting old. The demo plan loads without freezing the page and includes scenarios that show New York’s estate-tax cliff.
- Works offline. After one visit the app keeps working with no internet connection. Local-Only Mode turns off Live Pricing and analytics, so the app makes no optional connections.
- Medicare surcharges, state taxes and simpler saving. Medicare surcharges use income from two years earlier, measured the way Medicare measures it, with an optional Form SSA-44 appeal. Virginia is fully modeled; Illinois, Pennsylvania and New York no longer tax IRA withdrawals and Roth conversions; Colorado’s retirement-income rules, state standard deductions and estate schedules, exact Social Security taxability, and ACA Cliff Protection for Roth conversions before 65. Contribute the Max fills your 401(k), IRA and HSA to their limits, RSU grants can be entered in units, and backdoor Roth amounts are set per spouse. The Tax Optimizer Hub compares nine strategies and shows the best.
- Retirement spending. Free: break spending into seven categories and see what you have left to spend today. Retirement Spending (Premium): a worksheet that turns today’s spending into a retirement target, a check of whether guaranteed income covers essential spending, and category import from a bank or card CSV.
- A new home, privacy by default, and Change one thing. A plain-English home page at outlastretirement.com with the planner at /app. Usage analytics are off unless switched on, the performance beacon is gone, fonts are bundled, and a backup can be password-protected. Change one thing compares your plan with the same plan with one change side by side; What Will You Do? covers the non-financial side of retirement; your home and other property count in your estate. Detailed Holdings (Premium): the Distributions tab shows what arrived next to the estimate and counts capital gain distributions toward projected tax.
Want to see how the numbers are worked out? How the math works explains every rule, with its official source.