Changelog

Built in the open. Follow our journey building RetireNumber.

+ added · × fixed · ~ improved

Dashboard Polish

+ Asset Allocation card now has "By Account" toggle showing net worth by account type (401k, IRA, Roth, Taxable)
+ Account view shows total net worth, account count and tax-advantaged vs taxable split
~ Plan Quality indicator more accurately reflects active modules and data
× Fixed module data not always appearing in Plan Quality after entering on sub-pages

Mobile Improvements

~ Mobile responsiveness improvements for Base Plan, Assets and Results pages

Assets & Scenarios

~ Refined assets workflow with improved stock lot import visibility
~ Scenario inputs now more consistent with tax clarity improvements

Plan Clarity

~ Plans and scenarios now easier to rename and organize
+ Events can now be included in scenario comparisons

Trust, Learn & Calculator Pages

+ /how-it-works: plain-English overview of what RetireNumber does
+ /limitations: transparent page on what the model can and can't know
+ 8 Learn concept pages: retirement number, when can I retire, safe withdrawal rate, sequence risk, Social Security, taxes in retirement, Roth conversions, withdrawal order
+ /calculators/retirement-number: interactive calculator landing page
+ Demo scenario library on /try (6 presets: early retiree, steady saver, late starter, high earner, conservative, dual-income household)
~ Learn sidebar reorganized into Documentation, Concepts and Trust & Clarity sections
~ Glossary "Related" links redesigned with better visual separation
~ Homepage "How it works" section now includes 60-second value proposition
~ Nav and footer updated with new page links

Newsletter

+ Newsletter opt-in on signup

Try Before You Sign Up

+ Free trial experience at /try, no signup required
+ Guided tour walkthrough for new users in demo mode
+ PWA support so you can install RetireNumber on your phone
~ Streamlined signup flow with reduced friction
~ Improved conversion funnel with better onboarding

UX Overhaul

+ Quick Verify tool for fast retirement number checks
+ Tool switcher on dashboard for navigating between features
+ Status banners on dashboard showing plan health at a glance
+ Migrated all charts to LayerChart for smoother visualizations
~ Redesigned dashboard layout with cleaner information hierarchy
~ Canonical plan architecture for more reliable data flow
~ Improved plan page with reliable save detection and UX polish
× Fixed scenario comparison reactivity and added deltas

Marketing & Legal

+ Complete marketing site redesign
+ GDPR-compliant cookie consent system
+ Privacy policy, terms of service and cookie policy pages
+ Contact page with Turnstile bot protection
+ Social share OG images for link previews
+ Custom branded email templates for auth flows
~ Updated navbar logo and footer with tagline

Cloud Sync & Deployment

+ Cloud storage for plans, events, withdrawal strategies and Social Security data
+ Supabase authentication with email confirmation flow
+ Branded email templates for confirm, reset, magic link and invite
+ Deployed to production on Netlify
+ Admin panel for ops monitoring
~ Data syncs across devices when signed in

Tax Planning Suite

+ Tax planning tools: Roth conversions and RMD scheduling
+ State tax modeling across all 50 states
+ Inflation adjustments with configurable assumptions
+ Longevity modeling for planning beyond average life expectancy
+ Real estate modeling in the projection engine
+ Detailed spending projections with category breakdowns

Couples Planning & Scenarios

+ Couples planning to model joint finances, dual income and combined scenarios
+ Scenario comparison with side-by-side deltas
+ Compare multiple "what if" scenarios on a single screen
~ Backtesting results show percentile outcomes for clarity

Historical Backtesting

+ Historical backtesting engine spanning 95+ years of market data (back to 1928)
+ Test your plan against every 30-year period in modern market history
+ Percentile success rates and failure analysis
~ Shiller dataset integration for S&P 500, dividends, CPI

Social Security & Life Events

+ Social Security optimization tool with claiming age analysis
+ Life events timeline to model pensions, inheritances and major expenses
+ Events at specific ages with one-time or recurring flows
~ Withdrawal projections account for tax-advantaged account ordering

Withdrawal Strategies

+ Withdrawal strategy modeling: 4% rule, guardrails and dynamic strategies
+ Compare fixed, variable and bucket strategies
+ See how long your portfolio lasts under each approach
~ Safe withdrawal rate and implied annual spending

Asset & Tax Handling

+ Tax-advantaged account type handling with contribution limits
+ Asset and liability tracking across all accounts
+ Account ordering for withdrawal sequencing
~ Multi-account totals and allocation view

Multi-Account Support

+ Multi-account support: Traditional IRA, Roth IRA, 401(k), HSA, brokerage, savings
+ Per-account balances and contribution inputs
+ Combined portfolio view across account types
~ Contribution limit awareness for tax-advantaged accounts

Monte Carlo Simulation

+ Monte Carlo simulation with 1,000 randomized runs
+ Probability-based outcomes: best case, worst case and median
+ Confidence bands at 10th, 25th, 50th, 75th and 90th percentiles
~ Volatility-based return randomization from historical data

Scenario Modeling

+ Scenario modeling: base case, optimistic and conservative
+ "Top Moves" analysis showing which changes impact your timeline most
+ Side-by-side comparison of what-if changes
~ Configurable return assumptions per scenario

Plan Builder

+ Plan creation with income, expenses and savings rate inputs
+ Portfolio growth projections with configurable return assumptions
+ Today's dollars vs. future dollars toggle
~ Target number and retirement date projection

Projection Engine v1

+ Deterministic projection engine with month-by-month simulation
+ Basic portfolio growth and compound returns
+ Inflation-adjusted real returns
~ Foundation for all later projection features

Project Inception

+ Started building RetireNumber
+ Chose tech stack: SvelteKit, Supabase, Tailwind CSS
+ Designed the core data model for plans, scenarios and projections
+ Initial architecture for the calculation engine
~ The idea: verify your retirement number, not just calculate one

More updates coming soon...

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