v1.12.6 — November 10, 2026
- On phones the planner's simulation runs on fewer background workers at a time. If one stops partway through, its share of the run moves to another worker, so the run finishes instead of failing with "Worker error".
Changelog.
Everything we ship, in one running log. Each release has its own link, so a feature can be cited directly.
v1.12.5 — November 8, 2026
- When something fails on your screen, such as a page that will not load, a save that does not go through or a brokerage refresh that errors, we now hear about it within minutes with the page and the step it happened on, so we can fix it and reach out without you having to report it.
v1.12.4 — November 8, 2026
- Brokerage syncs no longer run on top of each other. When one account at a brokerage does not answer, Current Finances keeps its last saved holdings instead of dropping them, and says which connection is still catching up.
- Holdings a brokerage lists by a CUSIP or an account number, such as bonds, CDs and money market sweeps, keep the brokerage's price instead of a failed price lookup.
- Setup asks for your birth year and retirement age again while they are missing. Skipping it no longer marks setup as finished.
- The overnight plan check waits for your birth year instead of running on fallback years.
- Cancel plan on the Plans page asks one optional question, then opens the cancel page directly.
v1.12.3 — November 7, 2026
- The top of the morning email gives one figure for the day's move, then your net worth. A second change measured from a different time could disagree with the first.
- The market summary gives one number per figure instead of a range, and leaves out a sentence that contradicts a move shown for one of your holdings.
- When the news found about a holding does not explain its move, the email says so first instead of presenting unrelated news as the reason.
v1.12.2 — November 7, 2026
- The note comparing your plan's spending with your Budget no longer counts savings lines as spending, so a Budget that matches your plan is not reported as different.
- When the overnight check is paused because your balances changed, the morning email says the check is paused instead of repeating your last chance of success.
- The morning email re-runs the plan you saved, and skips the re-run when your balances changed by more than half, the same way the overnight check does.
- Index funds such as VOO and VTI are listed under Tracked the market when the market explains their move, instead of getting a write-up of their own.
- A holding gets a write-up only when there is news from the last session. Older stories no longer appear beside a day's move.
- The morning email reads cleanly as plain text: no stray heading marks, one minus sign for losses, short dates such as Nov 5, and the overnight checks under their own heading every day.
v1.12.1 — November 3, 2026
- The overnight plan check now runs your plan with the withdrawal rule you chose and the same number of market histories as the app, so its chance of success matches the one you see. It could report a lower number for a plan with a spending rule.
- If your balances change by more than half since you last ran your plan, the overnight check asks you to run it again instead of reporting a new chance of success.
- When you save a new plan, the overnight check measures from that plan's own number, so changing your settings is never reported as your plan moving.
- If your Budget's spending moves away from the spending your plan was run with, you get one note saying so.
- The morning email no longer treats a typed account balance, such as Retirement accounts, as a single holding: no concentration line and no research about it.
- The plan section of the morning email is clearer and uses whole percentages, like the rest of the email.
- A quiet night with notes still open says so, instead of saying nothing needs you.
v1.12.0 — November 2, 2026
- The While you were away panel is now called Agents, with one card per check. Click a card to see what that agent did on its run, step by step, with its notes in full and its earlier runs. Step-by-step reports start from the first night after this update.
- Killion AI shows its work. While it answers you see each step it takes, such as reading your budget or searching the web, and its reasoning when the model shares it. The answer appears as it is written, then the steps fold into one line you can open again.
- The message box grows as you type, up to about half the screen, then scrolls.
- Gold and other metals show their latest session move in the Session column of your allocation.
- When the AI model is busy, Killion tries again and then a second model at the same price. If both are busy you get a plain message instead of an error code.
v1.11.1 — November 1, 2026
- The morning email names bonds by issuer, coupon and year instead of their CUSIP code.
- Its movers list only counts positions you held on both days, so a bond or a newly linked account no longer shows up as a gain worth its whole value.
- A first email that arrives the evening you sign up no longer calls itself an overnight check.
- The monthly check-in's cash forecast counts your take-home pay, not your gross pay.
- When your balances double or halve since your plan last ran, from accounts linked or removed, Plan keeper pauses the overnight re-run and asks you to run the plan again instead of reporting it as a change in your chances.
v1.11.0 — October 31, 2026
- Killion now checks your finances every night. At 2am your time it syncs your linked brokerages, re-runs your plan on your latest balances, and runs five checks: Plan keeper, Upkeep, Portfolio watcher, a tax and milestones calendar, and a monthly money check-in.
- A new While you were away panel on the dashboard shows what the checks found and when your plan was last re-checked. A quiet night is one line. Findings that need you also appear under the bell, and Ask about this opens Killion AI on any of them.
- Plan keeper tells you when your chance of success moves 3 points or more since it last told you, with what would close the gap. You can change the threshold in Profile.
- The morning email now carries what the overnight checks found, goes to every subscriber, and can come weekly instead of daily. It has a one-click unsubscribe link.
- Can I afford it? in the planner adds a one-off purchase to a what-if and runs it next to your plan.
- The monthly check-in asks you to confirm your bank cash and spending, then shows a 30, 60 and 90 day cash forecast. Typed values can be marked Still right, and Upkeep asks again after six months.
- Opening the planner on a result older than your latest balances runs it again on its own.
- First-time setup now offers to link a brokerage before asking for balances.
- Optional push alerts in your browser for findings that need you.
- New trials get a confirmation email with the date the trial ends, the price after it, and how to cancel.
v1.10.2 — October 29, 2026
- Changes to your budget reach the planner as soon as they are saved. Before, a projection kept using the budget from when the page was opened until you reloaded it.
- Your household details, such as birth years and retirement age, can no longer be overwritten by an older copy saved from another open tab or a computer waking from sleep.
v1.10.1 — October 29, 2026
- Settings reopen on the section you last used, in the planner and in Backtesting, so tuning one setting run after run takes fewer clicks.
- A dot beside a section name shows it holds a setting changed from its default, so you can see where a plan differs without opening each section.
- Market shocks are a simple list: add one, remove one, up to three. The on and off switches are gone, and removing the first shock moves the next one up.
- Rebalancing in the planner is one click: Never, Monthly or When 5% off.
- A yearly event sets how many years it repeats on the same row as its switch.
- The Redraw worlds setting has been removed. Running the projection on My Plan already draws a new set of market worlds.
- Backtesting "My plan" now uses your plan's fund fees and its own mix of assets, and no longer asks for fees, a horizon or a starting value it takes from your plan.
v1.10.0 — October 25, 2026
- Planner settings have a Market section. Set the return and inflation outlook as a preset or per asset class, pick a stress scenario, and add up to three market shocks, each with its own start and length.
- A new Portfolio section lets a plan use a mix of your own instead of today's holdings, glide stocks down into retirement, choose how often to rebalance, and include fund fees.
- Events adds one-off and yearly costs or income, like a new car, college tuition or an inheritance, and shows them as lighter bars on the income and spending charts. What-ifs can carry their own events.
- Outcome sets what counts as success: never running out, leaving a legacy in today's dollars, or always covering essential spending. Pick a target success rate and Killion finds the highest retirement spending or the earliest retirement age that reaches it, ready to use with one click.
- Floor and ceiling joins the withdrawal rules, making seven, and every rule now has its own settings, such as the starting rate, the guardrail band or the ratchet trigger.
- Backtesting can replay your own plan through history: your income, Social Security, savings, debts and withdrawal rule, from every start year on record.
- Backtests now run up to 50 years. You can limit history to the years since 1946 or 1970 or a range of your own, start from a value other than today's net worth, include fund fees, and compare up to two mixes of your own.
- Backtesting uses the same seven withdrawal rules as the planner, each with its own settings. Its settings are now saved, so a reload no longer resets them, and saving runs the new backtest straight away.
- Settings pages keep Save off until something changes and ask once before closing with unsaved edits. On a phone, long labels move above their controls instead of running into them.
- Killion AI now runs its what-ifs with your saved withdrawal rule and its settings, your market shocks and every new setting above, so its answers match the planner.
- The lifestyle inflation option for what-ifs has been removed. Projections never used it, so no result changes.
v1.9.0 — October 14, 2026
- Tax estimates in the planner, on paid plans. Turn tax on under Settings, add a birth year, filing status and state, and every projection estimates federal and state income tax for each year.
- Withdrawals are taxed by the account they come from: taxable, pre-tax, Roth and HSA. Gains in a taxable account are measured against your cost basis, and dividends and interest are taxed as they are earned.
- Required minimum distributions, Social Security, the 10% early withdrawal penalty, Medicare IRMAA surcharges and the marketplace premium credit before 65 are part of the estimate.
- The projection has a Tax section: the estimated lifetime tax and effective rate in the median world, and a chart of each year by type, with views against the federal brackets and the IRMAA tiers.
- A plan can set the order its accounts are drawn from, and compare the estimated lifetime tax of Roth conversions that fill each bracket from 12% to 32%.
- Backtesting can estimate tax the same way across every historical start year.
- Tax figures are estimates for planning, not tax advice.
v1.8.0 — August 11, 2026
- Introducing the morning briefing: a daily email about your own holdings. It opens with what your portfolio did since the last briefing, then explains the news behind the names that actually moved it.
- Movers are ranked by their dollar impact on your portfolio rather than by percentage, so a small position swinging 8% never outranks the holding that really moved your net worth.
- Every name with news of its own gets a researched note with its sources listed. Names that simply followed the market are grouped into a single line instead of padding the email.
- The market backdrop is stated once at the top of the briefing, so one macro event no longer becomes the same paragraph repeated under every ticker.
- Positions you entered by hand are researched as what they actually are. A manual gold holding is no longer looked up as the mining company that trades under the ticker GOLD.
- Killion now records a daily close for every asset class, so stocks, crypto, and precious metals all carry a true one-day change. A position with no prior close on file falls back to your cost basis instead of showing nothing.
- The briefing goes out at 8:00 in the morning in your own timezone, to subscribers who turn it on. The setting to enable it lands in the next release.
v1.7.0 — August 5, 2026
- Killion now works on phones. Dashboard, Current Finances, Budget, Virtual Scenarios, and Backtesting are laid out for small screens, so you no longer need a laptop to use the app.
- A compact top bar on phones puts the essentials within reach: open navigation, switch views, run projections or backtests, open settings, and talk to Killion AI without digging through secondary menus.
- On Current Finances, Assets and Liabilities switch from a dropdown in that top bar. On Budget, the same pattern covers Budget and Cash Flow. Strategy and agent lenses on Backtesting and Virtual Scenarios live there too when you have more than one to compare.
- Projection, backtest, and market charts are easier to read on a narrow screen. Year labels thin out so they do not crowd, and extra chrome like chart section titles is hidden until you have room for it.
- The daily net worth change heatmap opens on the most recent days first, so today’s move is visible without scrolling. Tap or hover tooltips stay fully on screen even for cells near the edge.
- Chart hover details across the app stay inside the plot near the edges of the screen, so tips no longer hang off the side of a phone.
- Fixed Expenses now pick up every open liability from Current Finances automatically, so you can plan the payment without linking each one by hand. Manual fixed lines stay as they are.
- Budget rows share one consistent field style. Fixed expenses use a single amount field; flexible and non-monthly keep budget versus actual; Savings and Investments put the asset picker on the main row like Income.
- Collapsed budget categories line up cleanly: titles, totals, and remaining amounts share the same columns instead of drifting when you fold every section.
- Focusing a single asset class on the market returns chart draws that class’s path again. Previously the axis could update without showing a line.
v1.6.0 — July 29, 2026
- Introducing what-if scenarios: ask a question about your plan without changing it. Build a what-if from independent switches like retiring earlier, a different withdrawal rule, faster lifestyle creep, a longer horizon, or a market shock, and combine as many as you want in a single question.
- What-ifs stay tied to your real plan. Each one saves only what you changed, so when a new month of budget data lands, every what-if moves with your plan instead of quietly going stale.
- Compare plans side by side. Pin up to four plans and every chart shows them together. When two runs share the same market draws, Killion reports the difference world by world, so you learn how often a change actually helps rather than comparing two summary numbers.
- Backtesting now runs on its own once your portfolio has loaded, so results are waiting when you open the tab. It steps back as soon as you change a setting or run it yourself.
- Budgeting now runs on manual entry. You enter your cash and bank balances and update them whenever you like, while brokerage and crypto accounts keep connecting automatically through SnapTrade. Automatic bank linking is paused while we move to a new provider.
- Killion is much easier to use with a keyboard. A Skip to main content link now starts every page, dialogs keep focus inside them while they are open, and the import screens read correctly with a screen reader.
- Killion now tells you when your connection drops instead of quietly failing.
- Introducing the Killion partner program. Creators can earn 20% to 30% of every payment their referrals make for a full year, with a dashboard for referrals, earnings, and payouts. See the partner page for the full terms.
- Expanded our existing articles on sequence-of-returns risk, fee drag, and how strategies compare, and added clearer takeaways to the top of every post. The articles themselves were first published in June; the updated date on each one shows when it last changed.
- Refunds now follow the same 14-day window on every plan, monthly and annual alike.
v1.5.0 — July 17, 2026
- Introducing withdrawal strategies: Killion now simulates how you spend in retirement, not just how you invest. Pick a well-known rule like the classic 4% rule, guardrails that adjust with the market, or a fixed percentage of your balance, and your projections follow it.
- You can now follow your retirement paycheck over time in the new Withdrawals card, and open any single world to see exactly how its withdrawals played out.
- Withdrawal strategies come to Backtesting too: now you can test how each spending rule would have held up in every real market since 1928, not just in simulation.
- We upgraded the simulation engine behind it all. Withdrawals now respond to inflation the way they do in real life, and plans can protect a minimum level of essential spending.
- Every chart in Virtual Scenarios can now switch between future dollars and today’s dollars.
- Your income and spending curves now sync live from your Budget by default, including bank-linked cash flow, and keep your essential spending as a floor in retirement. Switch either curve to Manual whenever you want to shape it by hand.
- Projection settings got a full redesign: a cleaner two-pane panel with Simulation, Market Shock, Income, and Spending sections, compact controls, and trajectory editors that preview what inflation does to your plan using bands from your last run.
- Killion AI now sees your complete financial picture when you ask, can answer with charts right in the chat, and proposes changes as cards you review before anything is applied.
v1.1.4 — July 9, 2026
- Net worth history and the day-change heatmap stay continuous even when you don’t open the app for a day. Your chart keeps filling in for you.
- Dashboard net worth and historical snapshots stay in sync, so the number you see today matches the history behind it.
- New public Demo: explore Virtual Scenarios with a sample household, no account required.
- Projection and backtest charts are improved: log scale is available on every path view (including individual worlds), with Linear or Log when you want a closer look.
- Chart hover details are clearer on long-horizon views, including when a path runs out of money.
- Sign-in and the Updates pages work more smoothly. Captcha retries and the Changelog tab behave more reliably.
- Marketing pages are updated: walkthrough, product visuals, and site links feel more consistent.
v1.1.3 — July 4, 2026
- The account panel in your Profile tab is now fully interactive. Change your email or password right there, and jump straight to your subscription. Previously these rows were display-only.
- Deleting your account now cancels your subscription automatically at the same time. As a safeguard, if that cancellation can’t be completed we keep your account and delete nothing, so you’re never left paying for an account that no longer exists.
- The subscription page now knows whether you’re billed monthly or yearly: your current plan is marked correctly for your billing period, and you can switch between monthly and yearly from the billing portal.
- Fixed the close button on the subscription page overlapping the Killion AI chat panel.
- Refreshed the Profile tab to match the rest of the app, and added an activity summary with your active days, current streak, and total hours.
v1.1.2 — July 1, 2026
- The Backtesting tab now remembers your latest results instead of recalculating them every time. Reopening the tab is instant, with no loading spinner, as long as your inputs haven’t changed.
- Results are saved on your device so they survive a refresh and load quickly next visit; if you’re a subscriber, they also sync across your devices.
- Backtests automatically recompute whenever your portfolio or settings change, so what you see is always up to date.
v1.1.1 — June 30, 2026
- Refreshed the asset allocation chart on your dashboard. Category colors are now consistent everywhere in the app, hovering a slice highlights the matching holding in the breakdown beside it, and the center updates to whatever you’re pointing at.
- Reworked the Current Finances lists so your assets and liabilities read the same way. Click any holding to view its details or edit it, and deleting now lives inside the edit panel to keep the list clean.
- Fixed a formatting issue where small holdings and gains showed an extra decimal (for example, $5.916), which could be misread as thousands. Amounts now display standard cents.
- Tidied the dashboard holdings breakdown by removing an empty column and giving each figure more room.
v1.1.0 — June 26, 2026
- Introduced Backtesting, a new tab that runs your portfolio through every real market start year since 1928, so you can see how often a plan like yours would have lasted a full retirement on actual history, not just simulation.
- Compare strategies on the same history: your current mix, 100% stocks, 60/40, and a conservative 30/70 are all tested against identical start years and withdrawals, with a survival rate for each.
- Explore every historical “world”. Browse the results year by year and open any single start year to see its full path, deepest drawdowns, and annual returns.
- Projection and backtest charts now use a logarithmic scale by default, so decades of compounding read as a clear line instead of looking flat in the early years.
- Faster page loads, especially on mobile, from streamlining how fonts and pages are delivered.
v1.0.2 — June 23, 2026
- Fixed an issue where some subscribers couldn’t open the billing portal to manage or cancel their subscription.
- Your plan now updates immediately when a subscription is canceled, so your account status always stays accurate.
- Launched our Blog: long-form writing on retirement, portfolio projection, and personal finance, alongside this Changelog.
v1.0.1 — June 21, 2026
- Fixed precious metals (like gold) being valued at their purchase price instead of the current market price on your dashboard, which understated your net worth.
- Your dashboard net worth now updates with live market prices, so it matches what you see on the Current Finances tab.
- Your net worth history now includes connected brokerage and bank balances. Previously these were left out of the chart.
- Precious metal prices now keep their last known value if our market-data provider is temporarily unavailable, instead of reverting to outdated defaults.