2026.0.1
Released 2026-05-23 PatchThe first post-launch patch. Eleven tracked improvements based on customer feedback and a deeper pass over the account-type model. Highlights: a brand-new Additional Income Streams section for modeling rental income, pensions, and annuities; five new liability account types (mortgage, student / auto / credit card / personal loan) that amortize and subtract from net worth; a Property Sale Event feature; and an expanded Cash Flow diagram that now covers your entire lifetime instead of just retirement. Free download for existing 2026 customers via your Lemon Squeezy customer portal.
New features
- Additional Income Streams. A new section on the Budget Analysis tab lets you model recurring retirement cash flows that previously had no good home — rental income, pensions, annuities, trust distributions, royalties. Each stream carries a name, type, monthly amount, age window, tax treatment (ordinary income or tax-free), and COLA. Streams active during pre-retirement years flow into your Cash Flow & FI Trajectory cards; streams active during retirement reduce the portfolio withdrawals needed to fund your spending. Replaces the old Social-Security-stream hack for rental income.
- Mortgage and other liabilities. Five new account types in a new "Liabilities" category: Mortgage, Student loan, Auto loan, Credit card balance, Personal loan. Outstanding balances subtract from net worth. Each loan amortizes year-over-year using the rate and payment you configure; visualized as a red overlay line on the Accumulation chart and a new Debt column on the Drawdown tab's year-by-year table. Credit-card minimum-payment cases (where the payment is less than monthly interest) are modeled correctly too.
- Property Sale Event. Real estate, 529, pension, and "other" accounts now have Sell at age and Net proceeds (today’s $) fields. At the sale year, the asset zeroes out and the net proceeds flow into your taxable bucket as fresh basis. Lets you model "I'll sell the house at 70 and convert to a smaller place" cleanly. The previous workaround required manually editing the account balance and adding a negative lumpy expense.
- Real estate, 529, and pension assets now appreciate in the chart. Pre-2026.0.1 the model held these at a static balance, so a $500k home today was still $500k at retirement on your projection chart. Now they compound at the per-account rate during accumulation and contribute properly to your net worth trajectory. Drawdown still excludes them from the withdrawal hierarchy (you can’t pay groceries with your house).
- Roth contributions in the Budget Analysis dropdown. Three new expense categories under the Savings group: Roth IRA contributions, Roth 401(k) contributions, Mega backdoor Roth contributions. All flagged as savings so they show up in your savings-rate analysis without inflating your annual_spend.
Bug fixes
- HSA non-medical post-65 tax treatment. Previously the model treated every HSA withdrawal as qualified medical (tax-free). In reality, post-65 HSA withdrawals beyond your medical spending are taxed as ordinary income (penalty-free, same treatment as a Traditional IRA). The Accounts tab gains an "Annual medical out-of-pocket" field; set it to model the tax distinction correctly. Leave at $0 to keep the legacy behavior.
UI improvements
- Cash Flow diagram covers your full lifetime. The tab formerly called "Retirement Cash Flow" is now just "Cash Flow." Scrub the year slider back to your current age and the Sankey switches to an accumulation view (paycheck flowing into taxes, deductions, retirement contributions, and lifestyle). Cross the retirement boundary and it morphs into the original drawdown view automatically. HSA withdrawal bands also added to the retirement-years view.
- Compare tab gains strategy-differentiating metrics. Seven new rows so two scenarios that hit the same final net worth no longer look identical: Lifetime Roth conversions, Average effective tax rate, Years on ACA bridge, ACA subsidies captured, plus an "End-of-plan portfolio mix" section breaking down what you'll have in Trad / Roth / Taxable when the plan ends.
- Budget Analysis Spending Summary is now a donut chart. The numeric card was replaced with an interactive donut grouped by category (Housing / Transportation / Food / etc.). Hover any slice to see the dollar amount and percentage. Reflects whether you're using budget-derived or manual annual spending. Implied SWR moved to the FI Trajectory card.
- FI Target section refactored. The redundant "Resolved target" card is gone. Three mutually-exclusive cards now: Conservative floor, Strategy-adjusted, and a new inline-editable Custom override. Cleaner three-choice picker instead of two presets plus a passive read-out.
- Paycheck section now autosaves. Matches the Income Streams and Expenses sections — no more explicit Save button to remember; edits are persisted ~600ms after you stop typing. Status indicator shows "Saving…" then "Saved 10:42 AM."
Known limitations carried into a future patch
- Income streams and HSA non-medical withdrawals support only ordinary income and tax-free treatments in this release. LTCG / qualified dividend rates will be added in v2026.0.2.
- Property Sale Event uses the user-entered net value (you handle the capital gains math). Automatic LTCG calculation + home-sale exclusion ($250k single / $500k MFJ) will be added in v2026.0.2.
- When a debt account pays off mid-projection, the model doesn’t automatically remove the corresponding mortgage line from your Budget Analysis. You’ll want to remove it manually to avoid the payment continuing to count against your retirement spending after the loan is gone.
- Selling a property doesn’t automatically pay off a linked mortgage account. Set the mortgage payment high enough to amortize to zero by the sale year, or manually delete the loan account, to model this correctly.