What's new

• Changed (One Product Instead Of Two Tiers): Kessavo is no longer described as a free tier with paid additions. Couples, Monte Carlo, long-term care, state tax handling and cost-basis tracking all shipped to everyone on 14 August, and several pages had gone on describing an offer that no longer existed. The site now describes a single product, with what it does and what it does not do set out at the same length on the same page.
• Changed (What The Model Will Not Do, Written As An Agenda): The limitations were previously a list of denials, which testers read as a reason not to bother. Each one now says what it means for you and what to do about it — the boundaries of the model are the agenda for a conversation with a professional, not a warning label.
• Removed (Prices No Longer Published): Pricing is not announced until launch, and the previous figure described the superseded tier structure. It has been removed from the changelog, the homepage, the product page, the FAQ, the year-by-year table inside the calculator, and from llms.txt, which had been supplying the old price to AI search engines.
• New (Privacy Policy Describes Billing Before It Exists): The policy now names Stripe as the payment processor, states that card details are entered with Stripe directly, and describes the sign-in-link model and exactly what it leaves us holding — an email address and Stripe's record of whether access is current. Disclosed ahead of the feature rather than alongside it.
• Changed (Withheld From Search And AI Indexes Until Launch): Every page now sends noindex, and AI training and answer-engine crawlers are disallowed inrobots.txt. Ordinary search crawlers are still permitted to fetch pages — a crawler has to be able to read a page to see that it should not be indexed. Reversed at launch.
• Removed (Empty Guides Page): /guides had been an unindexed placeholder since launch and has been taken down along with its footer link.

• Fixed (The Timeline Reported “$0 To $0” On The Year That Changed Most): This matters if your plan runs out of savings at some point, or if your pension and Social Security already cover your spending. The timeline described the year Social Security starts by reporting what came out of your accounts — and that figure is $0 both when nothing needed to come out and when there was nothing left to take. A household short $4,406 a month before their benefit and $1,406 after was told the draw “moves from about $0 to about $0”, no change at all, while the chart beside it showed that same gap in red. The timeline now names what your income covers, what your savings actually supply, and what is left unfunded, so those two situations no longer read alike.
• Fixed (“Your Savings Carry Your Spending” Was Said To Everyone): The first stop on the timeline used one sentence for every household. If your income already covers your spending, you were told your savings were carrying it. If you had nothing saved, you were told the same thing. It now says which of the three is actually happening, and no longer announces that withdrawals begin for a household that draws nothing.
• Improved (The Evidence Ledger Lines Up): On the uncertainty page, the two tables listing what is an estimate, a default or a blank sized their columns separately, so the same headings started in different places and the pair read as unrelated tables. They now share one set of columns, matching the printed report.
• Fixed (Mistyped Addresses Now Say So): Any address that did not match a page quietly returned the homepage instead, with no indication that the page you asked for does not exist. There is now a real “page not found” page that says what happened and links to where you were probably going.

• New (Every Number Now Says How Solid It Is): Each result carries one of four states — complete, provisional, unavailable, or not applicable — with the reason named and what would firm it up. A state is never a judgement about your finances, only about the evidence behind the number. Two results are now deliberately withheld rather than approximated: comparing claiming ages needs exact dates and the month you intend to claim, and your health-coverage timeline needs a real quoted premium.
• Fixed (A Blank Was Being Read As A Zero): A monthly spending figure nobody typed, a $0 pension, an untouched 8% return and a 100% cost basis were shown at the same weight as figures you actually entered — and the printed report listed them side by side under one heading. Pension, debt and long-term care are now questions where “no” is a real answer and silence is recorded as silence. The modelling assumptions moved into their own panel you confirm, so a figure you never looked at is reported as our starting value rather than as yours.
• New (Dates, Not Just Years): Date of birth, the month you stop working, the month you intend to claim, and the date you read your balances. Social Security is worked out to the month, so a January and a December birthday in the same year are different amounts — asking for a year and comparing claiming ages from it produced an answer that looked exactly like a right one.
• New (Your Headline Is A Date You Choose): The report used to open on the balance projected at age 100, which compounds an assumed return for nearly four decades. It now opens on where you stand on a date you pick: what arrives without touching savings, what you plan to spend, and what has to come out of your accounts to close the difference — with no return or inflation forecast in it.
• New (Essential And Discretionary Spending): Spending is now two figures rather than one — what still has to be paid in a difficult year, and what you would choose to spend on top. Without the split, no page could show you which part of a gap was optional, which is the part that matters most when a year goes badly.
• New (You Pick The Comparison): A step before the results asks you to choose one thing to compare against and one uncertainty you care most about. The report runs your alternative beside your plan and describes the difference. It no longer ranks claiming ages for you or calls one of them best.
• Rebuilt (Both Reports, Five Questions): Position, Capacity, Timing, Choices, Uncertainty — one headline each, on screen and in print. The audit trail moved behind the story rather than sitting second. Every chart is kept: how spending is funded sits under Timing, the interactive what-if under Choices, and the 300-scenario stress test under Uncertainty, where it now says what it does not vary. A new page lists everything in your plan that is an estimate, a default or a blank, ordered by how much it could move the picture.
• New (The Survivor Question Is Asked): Every couple is now asked what happens if one of them dies first, and the spouse's pension is a full part of the plan. Leaving the question unanswered is recorded as unanswered rather than left out of the report entirely.
• Improved (Saved Plans Carry Forward): A plan saved before this release is migrated rather than discarded. A saved birth year becomes mid-year and is marked approximate, and anything that depends on it stays provisional until you confirm the real date.

What's next

• Save-and-compare — store multiple scenarios locally and compare them side-by-side without re-running the wizard.
• Enhanced survivor-benefit transition modeling for married households.
• Expanded state-specific marginal tax bracket rules beyond initial 13 states.