Changelog

Every feature, fix, and improvement. We ship frequently and document everything.

v2.2 February 2026
  • Fixed: IRMAA bracket 4 Part B surcharge corrected from $259.00 to $295.90 (verified against SSA POMS HI 01101.020). Affected single filers $167K-$200K and MFJ $334K-$400K. Impact: $36.90/month per person undercharge.
  • Fixed: IRMAA bracket 5 Part B surcharge corrected from $370.00 to $406.90 and Part D from $78.80 to $78.60. Affected single filers $200K-$500K and MFJ $400K-$750K.
  • Fixed: Dividend taxation now uses progressive LTCG rates (0%/15%/20%) instead of flat 15% across all three simulation engines (main, Monte Carlo, stress test). FIRE retirees in bridge years with low income were being overtaxed $1,200+/year on qualified dividends.
  • Fixed: Standard deduction now auto-updates when filing status changes regardless of tax method (progressive brackets or flat rate). Previously, switching MFJ to Single in flat-rate mode left deduction at $31,500 instead of $15,750.
  • Fixed: Partner toggle now forces filing status to MFJ (was a no-op comment).
  • Improved: Coast Number card no longer displays an inconsistent "Achieved around age X" estimate. Now shows clean "Achieved!" status, deferring age display to the Coast FIRE Age card which uses a more accurate calculation.
  • Improved: All 2025 tax constants verified against IRS Rev. Proc. 2024-40 and OBBBA (Public Law 119-21): federal brackets, standard deductions ($15,750/$31,500/$23,625), LTCG brackets, NIIT thresholds, IRMAA brackets, SS taxation thresholds, and RMD start ages.
  • Improved: 86-point automated calculation test suite covering progressive tax (7 scenarios), LTCG stacking (6), NIIT (6), IRMAA (18), Social Security taxation (7), SEPP (3), RMD ages (4), and cross-engine feature consistency (35 pattern checks).
v2.1 March 2026
  • New: Themed confirmation dialogs throughout the advisor portal (replaces all browser popups with site-styled modals)
  • New: Password re-entry required for destructive team member actions (remove member, delete scenarios)
  • New: Radio-button selection modals for bulk status changes and orphaned scenario reassignment
  • Improved: MFA status display is context-aware: distinguishes "active and required" from "enrolled but not currently enforced"
  • Improved: Standard deduction updated to 2026 IRS values ($15,750 single / $31,500 MFJ) across all simulation engines
  • Improved: All blog post calculations updated with 2026 standard deduction and derived bracket ceilings ($64,225 / $128,450)
  • Improved: Blog CTA links include UTM tracking parameters for Google Analytics attribution
  • Improved: Console logging gated behind debug flag (btfi_debug) - silent by default, zero console noise in production
  • Fixed: Security headers (X-Frame-Options, X-Robots-Tag, CSP) added for /advisor/ and /demo/ paths
  • Fixed: robots.txt now disallows /advisor/ and /demo/ directories; missing blog posts and changelog added to allow list
  • Fixed: Changelog added to sitemap.xml for search engine indexing
v2.0 March 2026
  • New: 47 automated calculation tests covering withdrawal sequencing, P1/P2/P3 transitions, Social Security COLA, Roth 5-year seasoning, and 2025 bracket math
  • New: Standalone changelog page with full version history and schema markup
  • New: Advisor compliance disclaimer: customizable disclaimer field in firm settings for branded calculator views
  • New: 10 blog posts covering bridge strategies, Roth conversion ladders, Monte Carlo simulations, rule of 55 vs SEPP, tax bracket optimization, and more
  • New: FAQ schema (JSON-LD) on all five landing pages for Google rich result eligibility
  • Improved: CSV export is now an Advisor Pro feature with clear upgrade messaging for free users
  • Improved: All five landing pages expanded to 2,000+ words with worked examples, comparison tables, and strategy breakdowns
  • Improved: Unified versioning across config, schema markup, and changelog (replaces inconsistent internal numbering)
  • Improved: Updated llms.txt with progressive bracket documentation and full feature inventory
  • Improved: RLS policy verification checklist for Supabase security audits
v1.9 March 2026
  • New: Advisor landing page with Free vs Pro comparison table and tiered pricing cards
  • New: Free plan client limit (3 clients) with upgrade nudges and capacity indicators throughout the portal
  • New: "Financial Advisor?" header link and footer CTA on the main calculator for advisor funnel
  • New: Advisor demo mode with guided walkthrough and sandbox environment (no login required)
  • New: FAQ schema (JSON-LD) on all five landing pages for Google rich result eligibility
  • Improved: Advisor portal auto-hides consumer-facing header/footer elements during client sessions
  • Improved: Pricing page SEO with JSON-LD structured data and FAQ markup
  • Improved: CSV export gated as Advisor Pro feature with clear upgrade messaging for free users
v1.8 February 2026
  • New: Advisor portal with Supabase auth, client management, and multi-scenario save/load per client
  • New: Microsoft SSO login with personal account blocking for enterprise compliance (Entra ID)
  • New: TOTP-based two-factor authentication with QR enrollment, verification, and brute force protection
  • New: Team management with Owner/Admin/Advisor roles, firm invitations, and role-based access control
  • New: Branded PDF report generation with firm logo, contact info, and compliance disclaimers
  • New: Client intake forms with pre-filled calculator links for streamlined onboarding
  • New: Activity audit log tracking all user actions with timestamps and IP addresses
  • Improved: Row Level Security (RLS) policies on all Supabase tables for client data isolation
  • Improved: Stripe subscription integration for Pro plan billing with webhook-driven status sync
  • Improved: Firm security policy controls: session timeouts, password policy, and MFA requirements
v1.7 February 2026
  • New: Progressive federal tax brackets (2025 IRS: 10%, 12%, 22%, 24%, 32%, 35%, 37%) with inflation-adjusted thresholds
  • New: Tax method toggle: switch between flat effective rate and full bracket calculation
  • New: Filing status selector (Single vs Married Filing Jointly) with auto-adjusted standard deduction
  • New: Bracket preview card showing real tax savings vs flat rate assumptions
  • New: Monte Carlo interpretation labels: Very Strong (90%+), Strong (80-89%), Moderate (70-79%), Elevated Risk (60-69%), High Risk (<60%)
  • New: Monte Carlo guidance card with actionable advice tied to your success rate tier
  • New: Age validation with inline warnings for impossible combinations
  • Improved: All three simulation engines (main, Monte Carlo, stress test) use consistent progressive bracket logic
  • Improved: Gross-up calculations use marginal rate instead of effective rate for accurate tax withholding
  • Improved: Save, restore, and share links preserve tax method and filing status
  • Improved: TCJA sunset awareness: informational note about 2026 bracket reversion
v1.6 February 2026
  • New: Expense tier tooltips with BLS Consumer Expenditure data and low/mid/high cost-of-living examples
  • New: Login protection with configurable attempt limits, progressive lockout, and live countdown timers
  • New: MFA brute force protection (auto sign-out after 5 failed verification codes)
  • New: Admin-configurable lockout policy (attempts, duration) in Team Security settings
  • Improved: Expense tiers now show structured tooltips with color-coded labels, dollar ranges, and BLS references
  • Improved: "Premium" spending tier renamed to "Generous" for clarity
  • Improved: MFA modal now includes Cancel button with proper session cleanup
  • Improved: Auth audit logging expanded to 12 event types (login, lockout, MFA, SSO)
  • Improved: SEPP calculation accuracy for 72(t) distributions
v1.5 February 2026
  • New: Per-item "Fixed payment" toggle on Life Expenses for mortgage P&I, car loans, and other costs that don't inflate
  • New: Excess retirement income reinvestment into taxable, Roth, or Traditional accounts
  • New: Income Streams for rental income, part-time work, or any recurring cash flow with custom date ranges
  • Improved: Standard deduction allocated across SS, pension, SEPP, and RMDs; taxable income streams taxed correctly without double penalty
  • Improved: Monte Carlo and Stress Test accuracy for taxes, partner lifecycle, and spending
  • Improved: Guardrails interaction with healthcare costs and expiring expenses
  • Improved: Partner income (SS & pension) respects partner lifetime in all simulations
  • Improved: Share links, file export, and scenario saves preserve all settings including guardrails
  • Improved: Stress Test inflation timing aligned with main simulation
v1.4 January 2026
  • New: Spending Guardrails: dynamic withdrawal strategy (5% above threshold, 3% below)
  • New: Life Expectancy Calculator: actuarial-based "Plan Until" age recommendation
  • New: Portfolio Mix now defaults to top of right column in all modes
  • Improved: Roth Ladder defaults: $15K at 0% (standard deduction strategy)
  • Improved: Crypto default return lowered to 4% (more conservative)
  • Improved: Region selector now stays in consistent location
  • Fixed: Stacked modal centering alignment
v1.3 January 2026
  • New: Bucket Zones visualization toggle on Withdrawal Rate chart
  • New: 56+ situational tips in Smart Insights based on your specific numbers
  • New: Monte Carlo & Stress Test results integrated into Smart Insights
  • New: Dynamic status indicators (Bridge, WR, Crash Timing, MC success)
  • Improved: P1/P2/P3 colors consistent site-wide (Blue/Orange/Gray)
  • Improved: Info icons on all chart toggles with detailed tooltips
  • Improved: Smart Insights tips now show personalized dollar amounts
  • Improved: Click status to flash problem areas in UI
v1.2 January 2026
  • New: Drag-and-drop section reordering (grip icon on left of headers)
  • New: Tools: Reorder Layout modal for easy section arrangement
  • New: Historical Stress Test (1929, 1966, 1973, 2000 scenarios)
  • New: Withdrawal rate color-coded backgrounds (green/yellow/red)
  • Improved: All collapse arrows now vertically aligned across sections
  • Improved: Mobile responsiveness for Wealth Projection controls
  • Improved: Contribution Shift layout on mobile devices
  • Improved: Bootstrap tooltips throughout (replacing browser tooltips)
  • Improved: Dropdown chevron indicators on all select fields
  • Fixed: Rule of 55 and SEPP now properly update chart labels
  • Fixed: Edit account modal input fields now fully editable
v1.1 January 2026
  • New: Bridge Focus toggle to zoom into retirement to age 65 to see P1/P2 clearly
  • New: Share Link feature to generate URL to share your plan
  • New: Quick Start Guide for new users in Simple Mode
  • New: International support (US, UK, EU, AU, CA)
  • Improved: Withdraw column shows annual portfolio draw (Spend minus Income)
  • Improved: Details table headers with P1/P2/P3 colors and tooltips
  • Improved: Simple/Advanced mode toggle with preference memory
  • Improved: Themed modals throughout (no browser popups)
  • Fixed: Coast FI calculation accuracy
  • Fixed: Region selector 404 bug
v1.0 December 2025
  • Launch: Initial release of BridgeToFI
  • P1/P2/P3 priority-based withdrawal system
  • Wealth projection chart with annotations
  • Monte Carlo simulation (1,000+ scenarios)
  • State pension, employer pension, employment income modeling
  • Roth conversion ladder planning with 5-year seasoning
  • Early access strategies (Rule of 55, SEPP 72(t))
  • One-time events and expiring expenses
  • Tax phase modeling (working/bridge/post-unlock)
  • FI Timeline, Years to FI, and FIRE Number calculators
  • Export/Import data (JSON)
  • Dark/Light theme

Want to stay updated?

Follow our blog for deep dives into new features, early retirement strategies, and tax optimization guides.

Read the Blog

Try the Calculator

Free forever. No signup required. Your data never leaves your browser.

Launch BridgeToFI