Date| Version | Description | |
| 08/14/2021 | 04.04.01 |
- - Changed startup config to set heap using max_heap_size instead of max_heap_percent
- - Added support for ROTH conversion cashflow type in Additional Inputs.
- - Added option to withdraw from tax deferred portfolio first.
- - Added presets for Retirement Year-5 through Retirement Year+9 in Additional Inputs.
- - Moved Min IRA Withdrawal Age input to Settings and added early withdrawal penalty percent.
- - Updated IRS Uniform Lifetime Table for RMDs from 2002 version to 2022 version.
- - Updated jre to latest version.
- - Added 2 decimal places to prob of success in detailed view table.
|
| 01/05/2021 | 04.03.04 |
- - Updated copyright notice
- - Fixed display bug in detailed results table when RMD Start Age is less than retirement age.
- - Fixed threading bug in sensitivity analysis that could cause timeout/memory error
- - Changed non-portfolio median arrays back to int to reduce sim memory footprint
- - Updated jre to latest version
- - Increased maximum number of scenarios from 10 to 20
- - Fixed formatting bug in percentage input fields.
|
| 07/10/2020 | 04.03.03 |
- - Added control to show age instead of calendar year on x-axis of results graph
- - Added columns to detailed view for tax on income and total tax paid (right-click column header to show)
- - Fixed calculation used to show taxes on portfolio growth in detailed view (display only - no sim calc changes)
- - Increased precision of inflation adjustments (causes slightly more conservative portfolio growth estimates)
- - Changed goal-seek-on-savings-amount to handle lump sum added in retirement year
- - Increased footer font size on screenshot pages w/high dpi display in report printing
- - Changed arrays used for portfolio median calculations from int to long for increased range
|
| 01/14/2020 | 04.03.02 | Updated embedded jav runtime to use 32bit vesion instead of 64bit version. |
| 01/07/2020 | 04.03.01 |
- - Changed RMD start age default to 72 based on SECURE ACT legislation.
- - Support for Java versions 12-13 including dpi-aware display scaling.
- - Changed calculation used for portfolio value at retirement when retirement is at start of plan.
- - Added right-mouse export option to additional inputs tables.
- - Adjusted formatting for right-hand text panel in sensitivity analysis window.
- - Misc minor gui adjustments to improve support for high resolution displays.
- - Improved performance of sensitivity analysis feature.
|
| 02/17/2019 | 04.02.17 | Added splash screen to windows standalone launcher. |
| 02/08/2019 | 04.02.16 |
- - Updated copyright notice.
- - Windows standalone version no longer requires Java to be installed by end user.
- - Added settings option to make withdrawal order tax-free, taxable, tax-deferred.
- - Updated Launch4j wrapper to support Java 10 & 11 and fixed thread lock issue seen with Java 10.
- - Fixed potential issue displaying professional license key expiration date.
- - Changed calc for detailed view withdrawal percent to use start balance for first year instead of end balance.
|
| 09/03/2018 | 04.02.15 | Changed additional inputs separate returns feature to force correlation of returns between portfolios to 1. |
| 08/27/2018 | 04.02.14 |
- - Fixed probability of success incorrectly reported at 100% if portfolio is regularly replenished using additional inputs.
- - Adjusted formula used for reporting taxes on portfolio growth in detailed results table.
|
| 08/17/2018 | 04.02.13 | Made minor tweak to calculation of delayed start no-cola cash flows to increase precision. |
| 08/11/2018 | 04.02.12 | Added customization option to allow results graph bar color customization. |
| 07/20/2018 | 04.02.11 | Added customization option to remove "Move mouse over graph" text on results graph. |
| 06/21/2018 | 04.02.10 | Updated Copyright Notice. |
| 04/21/2017 | 04.02.09 |
- - Fixed localization bug in display scaling (comma in localized display scale value caused error).
- - Adjusted RMD reporting in detailed results table for cases where income exceeds expenses.
- - Added ability in customized Pro version to specify top bottom portfolio percentile to show in detailed results table.
|
| 02/22/2017 | 04.02.07 | Updated Copyright Notice. |
| 12/18/2016 | 04.02.06 | Improved error reporting for conflicts with Additional Inputs entries. |
| 02/18/2016 | 04.02.05 | Fixed skipped tax withdrawal in year tax deferred account is depleted. |
| 02/10/2016 | 04.02.04 | Fixed premature table full error when additional inputs has more than 100 entries. |
| 01/08/2016 | 04.02.03 | Fixed intermittent bug that sometimes appeared when deleting scenarios. |
| 09/15/2015 | 04.02.02 |
- - Fixed problem in sensitivity analysis that prevented portfolio returns from being varied (introduced in 04.02.00)
- - Fixed problem launching applet with Linux icedtea web start when JNLP documentBase="".
|
| 09/11/2015 | 04.02.00 |
- - Added ability to specify when inflation reductions on No COLA cashflows begin (start of plan or when cashflow starts).
- - Added support for No COLA and fixed COLA savings cash flows.
- - Added ability to enter negative savings amounts in additional inputs (use with care!).
- - Fixed parsing problem when quote character ( " ) was used in additional inputs memo field.
- - Fixed typo on license page ("lience" to "license").
|
| 4/25/2014 | 04.01.03 |
- - Added ability for custom builds to override income & investment tax rate and custom inv style.
- - Changed capitalization of Scenario in yearly results table pages of report printout.
- - Added error popup if Additional Inputs error is encountered when running Sensitivity Analysis.
|
| 02/22/2014 | 04.01.02 | Fixed DPI Scaling of report printout banner. |
| 02/10/2014 | 04.01.01 | Fixed bug converting Expenses (no cola) cash flows from older versions of standalone planner. |
| 01/12/2014 | 04.01.00 |
- - Changed no COLA logic to wait until cash flow start year to begin inflation reductions.
- - Added support for fixed percent COLAs for cash flows in additional inputs.
- - Added display window and font scaling for better readability on high resolution (high DPI) displays.
- - Changes to strip cents from user entered dollar amounts in additional inputs.
- - Improved handling of negative values in portfolio return in additional inputs.
- - Added indication when separate returns are in use (taxable/tax free/etc) in detailed output table.
- - Minor cleanup to Flexible/Conservative Spending Policy multiplier formula. Change will not meaningfully impact results.
|
| 11/13/2013 | 04.00.06 | Change to allow customization to override additional default input values. |
| 11/11/2013 | 04.00.05 | Fixed bug that let simulation run after user input error message appeared. |
| 11/08/2013 | 04.00.04 | Increased About and Licensing window sizes to fit more text. |
| 07/25/2013 | 04.00.03 | Fixed internationalization problems caused by Java v1.7 changes. Fixed bug in licensing system. |
| 07/10/2013 | 04.00.02 | Fixed print problem caused from popping up printer chooser dialog before adding pages to print job. |
| 07/04/2013 | 04.00.01 | Recompiled for backward compatibility to older Java 1.5 and 1.6 versions. Added security certificate to .jar file. |
| 06/30/2013 | 04.00.00 |
- - Added multi-page report printing capability.
- - Added ability to goal seek on retirement portfolio value and annual savings.
- - Added support for different returns for taxable/tax deferred/taxfree in additional inputs window.
- - Added support for ages up to 115 in additional inputs window dropdown menu.
- - Added withdrawal rate range column to details view table, hid inflation column to make room.
- - Added withdrawal rate range column to show all runs table, hid ending withdrawal rate column.
- - Added geometric mean return column to show all runs table, hid back-to-work col (right-click header to unhide).
- - Added "taxes on portfolio growth" column in extended details view (right-click header, then show-all to see).
- - Added withdrawal rate range to graph info.
- - Added option to remove rows from "show all runs" table right-mouse menu.
- - Misc changes to Additional Inputs layout to allow resizing and misc other layout fixes/tweaks.
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| 07/12/2012 | 03.00.01 | Fixed mouse position/selection wierdness in sensitivity graph. Misc changes for branding. Added print support to tables in applet. several minor linux layout fixes. Added values to y axis in results graph. Added memo field and row editing to additional inputs window |
| 05/29/2012 | 03.00.00 | Added Sensitivity Analysis. Also, improved performance and reduced memory footprint of sim engine by changing several large arrays used for median calculations from type double to int. This limits the median values shown to around $2 billion, but doesn't impact underlying simulation calculations. |
| 05/14/2012 | 02.03.01 | Minor changes in detailed view table to better show details of RMDs (no changes in sim engine). Changed default save location (standalone only) to user.home instead of user.dir |
| 05/10/2012 | 02.03.00 | Added output of bottom 10% and top 90% portfolio value bands to detailed view table and results graph. |
| 09/11/2011 | 02.02.01 | Bug fix for skipped cashflows if cashflow start age is younger than current age |
| 07/07/2010 | 02.02.00 | Added Average Shortfall Percent calculation and display |
| 08/10/2009 | 02.01.03 | Expanded additional inputs table size from 25 to 100 entries |
| 05/06/2009 | 02.01.02 | Fixed bug that made it hard to enter negative returns in additional inputs window. Before fix, input only accepted -.3 or -30%, but not -30. |
| 02/11/2009 | 02.01.01 | Minor cleanup for standalone version release |
| 02/01/2009 | 02.01.00 | Added goal-seek option, renamed/moved config/settings button, added expense (no cola) cashflow option |
| 03/22/2008 | 02.00.07 | Removed excess RMD amount from median total withdrawal |
| 03/21/2008 | 02.00.06 | Removed retirement year withdrawal from portfolio balance at retirement display value |
| 03/12/2008 | 02.00.05 | Latest beta release with standalone support.... Please see the support forum for latest details. |
| 02/27/2008 | 02.00.00 | Rework of GUI and structural changes to support a new standalone version of the software. The web based planner and the standalone planner are both built on the same core planner software and will be versioned together. |
| 01/09/2008 | 01.04.00 | Changed handling of investment taxes. In years when the portfolio gains, the entire gain is taxed. In years when the portfolio loses money, the loss is reduced by the tax rate. Previously, taxes were ignored in loss years. |
| 12/14/2007 | 01.03.00 | Fixed bug in logic for new investments that could result in new investments being ignored if prior investment balance (taxable, deferred, tax free) is zero. |
| 08/17/2007 | 01.02.03 | Made a minor change to how "Percent of Expenses Funded" is calculated when portfolio runs out of money. Now, percent is recorded as 0 in any years where the portfolio value is 0. |
| 08/17/2007 | 01.02.02 | Fixed potential error in "Probability of Success" calculation that can result when portfolio runs out of money in early years of plan but gets replenished later in plan by additional savings contributions or income greater than expenses. |
| 07/21/2007 | 01.02.01 | Changed "Initial Withdrawal" column in summary table to include money withdrawn to pay income taxes.. Also, on Detailed Output tab, renamed median withdrawal column header to "Median Total Withdrawal". |
| 07/19/2007 | 01.02.00 | Changed handling of no-cola income amounts entered on additional inputs tab. Planner now begins reducing the value of no-cola payments immediately rather than once payment starts. |
| 07/18/2007 | 01.01.02 | Fixed error in median ending withdrawal calculation that occured when probability of success is lower than 50 percent. |
| 03/21/2007 | 01.01.01 | Recompiled to support older Java virtual machines (1.3, 1.4). |
| 03/03/2007 | 01.01.00 | Added ability to simulate going back to work by temporarily stopping portfolio withdrawals if portfolio value drops excessively. |
| 03/02/2007 | 01.00.08 | Adjusted threshold probability values for displaying stoplight colors (>75%-yellow, >90% green). |
| 02/05/2007 | 01.00.07 | Added option to set IRA/401k minimum penalty-free withdrawal age and tweaked early withdrawal penalty logic again. |
| 02/03/2007 | 01.00.06 | Fixed bug in computation of IRA early withdrawal penalty. |
| 11/29/2006 | 01.00.05 | Fixed another reformatting problem. This time in the Spending Policy Config popup window.. |
| 10/13/2006 | 01.00.04 | Fixed reformatting problems on international windows XP systems. |
| 10/12/2006 | 01.00.03 | Changed input handling so user entered values get reformatted when user hits run simulation. This change is for appearance only and shouldn't affect planner operation. |
| 09/24/2006 | 01.00.02 | Changed code so "Withdrawal Amount" column in output includes amounts withdrawn to pay income taxes. There was no change computations (taxes were deducted before). |
| 09/22/2006 | 01.00.01 | Allowed planner to run in browsers with older JDK versions. Made slight tweak to input routine for % values to make it behave more like Excel. |
| 09/15/2006 | 01.00.00 | First version tracked release. |