Changelog
Every entry below is a real merge, dated. We describe what changed for you, not for us — and when a user catches a bug, the fix shows up here too. Curious how the math behind these features is verified? Read the methodology.
Tax Planning now estimates marketplace premium subsidies under 2026 law — including the subsidy cliff at 400% of the federal poverty level, which is back now that the enhanced schedule has expired. A free public ACA subsidy calculator shipped alongside, no account required.
Compare claiming at any age from 62 to 70: monthly benefit at each age, cumulative breakeven points, and a recommendation tied to your plan. The reduction and delayed-credit math follows published SSA rules and is covered by tests.
Income, Dashboard, Tax Planning, and Tax Strategy previously computed income over subtly different timeframes. They now share one definition, and Social Security taxability uses the IRS Pub 915 ramp everywhere instead of just in some panels.
A toggle splits Tax Planning into today’s taxes and retirement-year taxes, so future income is no longer taxed as if you earned it this year. Retirement-year Social Security runs through the proper taxability ramp.
Run your plan against every rolling start year since 1928 using verified historical returns and inflation — see how it would have fared starting in 1929, 1966, or 2000, not just against averaged assumptions.
A new privacy option keeps your plan entirely on your device — nothing synced to the cloud. Billing status is the one thing still read from the server, so your subscription keeps working.
The app now loads tabs lazily, cutting the initial download by roughly 860 kB. Cloud saves are batched and flushed when you leave, so the app writes less and never loses your last edit.
The free calculators got an index page, and the site gained structured data so search engines describe Granary accurately. A capability grid and price comparison were added to the landing page.
Contrast fixes throughout, keyboard-accessible modals, clearer lock indicators on paid features, calmer page motion, and a sample-data option so you can explore the full app with realistic numbers before entering your own.
We audited every claim on the public site against the product and fixed the ones that had drifted — pricing details, analytics description, backup behavior, and the encryption story. If the site says it, the app does it.
Paid-feature checks moved fully server-side, API routes that were open got closed, and several billing edge cases were fixed. None of these were known to be exploited; they were found in our own review.
Earlier work — the tax engine, Monte Carlo, withdrawal strategies, IRMAA modeling, and the planner itself — predates this public changelog. It starts here and stays current.