Changelog

Track product updates, fixes, and calculator improvements so you can see what changed and when.

The changelog documents notable product updates so you can understand what changed, when it changed, and how those changes may affect your planning workflow. For SEO and trust, this page provides transparent release context across calculator improvements, bug fixes, and content updates. If you rely on exported scenarios over time, reviewing recent changes helps you decide when to refresh assumptions or rerun saved comparisons. Use this route as operational context rather than a planning model. It supports accountability by showing iteration history and helps users interpret differences across outputs generated at different times. Keeping this log current also strengthens quality signals around editorial maintenance and product governance.

Why Release Transparency Matters

Version notes make it easier to understand output differences and keep collaborative planning conversations aligned.

When to Revisit Saved Scenarios

If assumptions, formulas, or calculator UX changed, rerun important scenarios before relying on older exports.

v1.17.0 — Market simulation for the Advanced FIRE calculator

November 2026

Added

  • New Market simulation tab on the Advanced FIRE calculator. It runs your plan through 1,000 sequences of yearly returns and reports how many scenarios met every withdrawal target, with a percentile band chart, a percentile table, and CSV export.
  • New return volatility input for the simulation, defaulting to 15% for a stock-heavy portfolio.
  • New glossary entries for Monte Carlo simulation and success rate.

Improved

  • The simulation is seeded and stored in the share link, so the same inputs and link always show the same result. The methodology page now explains the return model, the volatility default, and the limits of the simulation.

v1.16.0 — Clearer advertising disclosure

August 2026

Improved

  • Rewrote the About page advertising disclosure so it states plainly what is true today: display ads only, no affiliate links, and no commission on any product. If we ever add a paid link, we now commit to labelling it as one and keeping it in the written guides rather than inside a calculator.
  • Sharpened the promise that actually protects readers: we are not paid to steer you toward a particular bank, broker, loan, or fund, and no commercial arrangement changes the numbers a calculator produces or the order in which results appear.

v1.15.0 — Site quality and transparency update

July 2026

Added

  • New "How Our Calculators Work" methodology page documenting the assumptions, formulas, and limits behind every tool, with named sources including Bengen (1994) and the Trinity study.
  • New guide: "FIRE Number Worked Example" that follows one household through the full arithmetic, a year-by-year projection, and a withdrawal-rate and return sensitivity table.
  • New guide: "Choosing a Safe Withdrawal Rate" covering where the 4% rule came from, sequence-of-returns risk with a worked illustration, and why early retirees often use 3.25-3.75%.
  • Expanded About page describing who builds Fire-Calc, how the calculators are tested, our editorial standards, and our advertising-only, no-affiliate independence.

Improved

  • Debt payoff engine now rolls each freed-up minimum payment into the next target debt, so avalanche and snowball comparisons reflect how a focused strategy actually accelerates.
  • Accessibility improvements across content and calculator pages.

Fixed

  • Debt payoff calculator now warns when an entered payment is too small to outpace interest, meaning the balance would never be paid off.
  • Removed unused placeholder ad slots from page templates.

v1.14.0 — New Equity Calculator

June 1, 2026

Added

  • New Equity Calculator for modeling your whole equity stack in one place — RSUs, stock options (ISO/NSO), ESPP, restricted stock (RSAs), and SAR/phantom/performance (PSU) grants.
  • Plots vested value, unvested value, and after-tax-if-liquidated value year by year, with a per-grant breakdown plus CSV, PDF, and shareable-link export.

v1.13.0 — First-time homebuyer guide refinements

May 3, 2026

Improved

  • Expanded the affordability table up to $250,000 of gross annual income for at-a-glance reference.
  • Added a "reality check" callout distinguishing the 28% lender ceiling from a more conservative ~20%-of-gross personal-finance target.
  • Clarified that income figures in the affordability table are gross (pre-tax).

Fixed

  • Corrected approximate home price ranges to reflect actual PITI math at 7% / 30-year fixed / 20% down with realistic property tax and insurance assumptions.
  • Footnote inside the affordability table now has proper padding instead of butting up against the container edge.

v1.12.0 — Job Offer Comparison calculator

April 27, 2026

Added

  • New Job Offer Comparison calculator with tax-aware equity modeling, RSU appreciation, and a labeled breakeven chart.

Improved

  • Wide layout for the Job Offer calculator with a "pool-held" column for clearer equity comparison.
  • Clarified gross vs. net labels in the Advanced FIRE drawdown flow.

Fixed

  • Advanced drawdown cascade ordering for capped 401(k) and overflow handling.
  • RSU appreciation calculation in the Job Offer engine, with regression tests added and the offer count capped at 2.

v1.11.0 — Expanded calculator articles and scenario refinements

April 4, 2026

Improved

  • Expanded long-form educational content across calculator pages.
  • Consolidated scenario library content for better information architecture.

v1.10.0 — Drawdown calculation correctness fix

March 28, 2026

Fixed

  • Withdrawal rate now applies as a gross portfolio percentage rather than a net post-withholding figure, aligning the math with how the rule is conventionally stated.

v1.9.0 — Calculator UI refresh

March 19, 2026

Improved

  • Refreshed calculator UI with updated chart and card components.
  • Added "Route Next Steps" cards across calculator and content pages to guide readers to related tools.
  • Polished FIRE calculator copy for readability.

v1.8.0 — Scenario Library and Guides hub

February 23, 2026

Added

  • New Scenario Library pages.
  • Guides hub page consolidating long-form educational content.
  • Long-form educational content on the Compound Interest and Coast FIRE calculator pages.

v1.7.0 — Advanced withdrawal strategy and navigation improvements

February 7, 2026

Added

  • New in-app changelog page with route aliases for direct linking and indexing.
  • Advanced FIRE controls for penalty-free age, 401(k) bracket cap, and cap growth handling.
  • How this works panels on every calculator page with route-aware explanations.

Improved

  • Desktop navigation now surfaces all calculators via primary links plus a More Calculators menu.
  • Top-level resources and guides are available as first-class in-app content routes.
  • Advanced FIRE exports now include withdrawal target, source mix, and shortfall columns.

Fixed

  • Advanced withdrawal cascade now preserves withdrawal targets when 401(k) assets remain.
  • Post-59 drawdown ordering now prioritizes capped 401(k) first, then taxable, then above-cap 401(k), preserving Roth for last.

v1.6.0 — Share and export upgrades

February 2, 2026

Added

  • Shareable URL state for all calculator routes.
  • CSV and PDF export support across calculator workflows.

Improved

  • Route alias handling for existing `.html` calculator URLs.
  • Consistent summary cards and result table structures.

v1.5.0 — Calculator suite expansion

January 26, 2025

Added

  • Additional housing, debt, budgeting, and paycheck calculators.
  • Expanded educational guides and reference pages.

Related Fire-Calc Pages

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