Release notes

What's new

What has changed in Zenarios, release by release. The iPhone app updates through the App Store, the web app the next time you open it.

Version 1.430 October 2026 · iPhone and web

US plans tax long-term gains and qualified dividends at 0, 15 or 20%, add NIIT, itemized deductions, the AMT and each state's rules, and enforce 401(k), IRA and HSA limits with catch-ups.
Social Security from your earnings record, with claim ages 62 to 70 and spousal and survivor benefits; required minimum distributions; Medicare IRMAA and the ACA premium tax credit.
UK plans tax savings and dividends in the right order with their allowances, apply Scottish bands and the £100,000 allowance taper, and relieve pensions by salary sacrifice, net pay or relief at source within the annual allowance. The State Pension follows your qualifying years.
The tax plan now covers the US and the UK: Roth conversions, the 401(k), IRAs, the HSA and Social Security claim ages; salary sacrifice, SIPPs, ISAs and State Pension top-ups. Each year is settled when a return would be: April in the US, 31 January in the UK.

The tax plan looks at pensions, investments and property together: it tries each strategy on your plan, combines the strongest and tells you what to change, by how much and when.
On a large screen, the web app opens with a sidebar, editors in side panels and a command bar (⌘K).
Restore a plan from a backup file in the browser, and keep open tabs in step.

A shorter setup, with better first guesses for savings and investments.
Cars bought in a plan can be replaced by the next car, with running costs you can edit.
Getting married can switch to joint tax filing from that month.
Clearer comparisons for large net worths, calmer check-in reminders and shorter texts throughout.

Private health insurance (PKV) with premiums that rise over time, compared with statutory insurance.
Cars can be replaced every few years, and a lease can end with a new lease, a purchase or no car.
Suggestions now say what they are worth in euros, and “Why this?” explains each one.

Monthly net worth and cash flow forecasts until retirement and beyond, for one person or a household.
Scenarios side by side, 31 life milestone templates, 13 stress tests and up to 1,000 market futures.
Income tax and social contributions for 38 countries, in seven languages, with no account and no bank login.