Boldin product updates

May

• On May 18, 2026 we fixed an issue where deleted one-time expenses were incorrectly factored into your withdrawal rate. Your withdrawal rate now reflects only active, ongoing expenses.
• On May 19, 2026 we fixed an issue where one-time expenses using the withdrawal spending order were incorrectly included in Insights charts, overstating projected withdrawals.

April

• As of April 20, 2026, users can model a potential reduction in Social Security benefits directly within the Social Security section of their plan.
• As of April 6, 2026, getting back to your dashboard from Scenario Manager is easier. We added a clear navigation control so you can return to your main dashboard without the guesswork.
• As of April 7, 2026, excess income allocation is now easier to see and adjust. The percentage you’re saving and the destination account are now visible at a glance in Money Flows, so you can make confident choices about where your extra money goes.
• As of April 7, 2026, debt and mortgage payoff dates now update automatically in Home and Real Estate. When your plan changes, your debt payoff dates adjust to match—keeping your projections accurate without any extra effort on your part.

March

• On March 30, 2026, we improved withdrawal ordering to pay estimated taxes before RMD liability, reducing cases where RMD withdrawals were overstated.
• On March 25, 2026, we added error handling that helps identify and show where issues are coming from in connected data.
• On March 25, 2026, we added a plan reset feature in your Account settings, giving you the ability to reset your plan data and start fresh.
• On March 12, 2026, we added Spending Guardrails Insight to show you the amount you can safely spend in retirement, helping you stay on track without risking your savings.
• On March 4, 2026, we updated U.S. state income tax assumptions for 2026 for all states with available published guidance. Changes include revised tax brackets, rates, standard deductions, and state-specific calculation logic.

February

• On February 23, 2026, we released a Sankey Cashflow Insight to visually map how your money flows in and out, helping you quickly see where your income goes, identify spending patterns, and make more informed financial decisions.
• On February 18, 2026, we locked scenario names so they remain visible as you scroll through results. This makes it easier to compare strategies side by side without losing context, especially when reviewing detailed projections.
• On February 18, 2026, we added Lifetime IRMAA to the Scenario Manager. This allows you to see the cumulative impact of Medicare surcharge premiums over your lifetime, helping you better evaluate long-term tradeoffs when testing strategies.
• On February 17, 2026, we renamed “investment income” to “interest” and standardized withdrawal naming conventions to increase clarity and consistency across the platform.
• On February 12, 2026, we added Events such as Future property sales and One Time Expenses in the new Financial Journey chart in the Summary. This allows you to see major life and financial milestones directly in your projections, making it easier to understand how these events impact your cash flow, savings, and long-term plan.
• On February 12, 2026, we updated the information in the right-hand panel of the Estate Planning Section of the Planner to provide you with a more relevant and guided experience.
• On February 4, 2026, we updated the timing of annual increases for the general inflation rate, medical inflation rate, and non–Social Security income rates. These increases are now applied in January, beginning with the year after the current year. This change aligns Today’s Dollars calculations with Future Dollars and resolves the prior issue where the current year was adjusted under Today’s Dollars. As a result, projected values for the current year are now identical whether Today’s Dollars or Future Dollars is selected.
• As of February 3, 2026, IRMAA brackets are now determined using the tax filing status from two years prior, rather than the current year’s filing status. This change resolves an inaccuracy that affected surviving spouses in the year following the death of a spouse, aligning Boldin’s calculations with how Medicare actually applies IRMAA.

January

• On January 29, 2026, we added a new Roth Conversion Explorer strategy which allows you to limit conversions to “deductions only — 0% federal income tax.”
• On January 27, 2026, we released a new “My Plan” chart in the Summary so that you can more easily visualize your financial future.
• On January 27, 2026, we updated the information in the right-hand panel of the Debts section of the Planner to provide you with a more relevant and guided experience.
• On January 26, 2026, we updated the information in the right-hand panel of the Expense section of the Planner to provide you with a more relevant and guided experience.
• On January 21, 2026, we released a change to the ‘effective federal tax rate’ calculation to ensure that it factors in capital gains income and associated taxes (in addition to ordinary income).
• On January 21, 2026, we updated the information in the right-hand panel of the Accounts, Home and Real Estate, and Rate Assumptions sections of the Planner to provide you with a more relevant and guided experience.