What's New

My Situation redesign with personalized insight cards

The My Situation tab now leads with a set of cards built from your specific numbers: your funded status at a glance, your current tax picture and bracket, your Roth conversion window, any healthcare coverage gap before Medicare, what stage of retirement you are in, and what changed since your last update. Each card links straight to the tab that explains it in depth.

Ask: an AI assistant for your plan

A chat assistant is now available from every tab. Ask it what a number means, why a chart looks the way it does, or how a specific topic like Roth conversions, RMDs, SEPP, or ACA subsidies applies to your plan, and it answers using your actual numbers, not generic advice.

Calendar sync and retirement milestone reminders

Settings now has a Calendar tab that tracks the important dates in your plan, including Social Security start, RMD start age, Medicare enrollment, and any custom events you add. Subscribe to it from Google, Apple, or Outlook so it stays current automatically, or download it as a one-time .ics file. You can also opt in to email reminders as key dates approach.

Income & Balance Flow chart

A combined view of where your spending money comes from each year (Social Security, withdrawals, part-time income) alongside how each account balance grows or draws down over time, so you can see the full cash-flow picture in one chart.

Tax Rate Curve in the Planner

Visualizes your effective and marginal tax rate across a range of income levels, with IRMAA tiers and bracket thresholds marked, so you can see exactly where the next dollar of income (or Roth conversion) lands.

Tools directory and improved header navigation

All free calculators (SEPP, IRMAA, Cliff Indicator, RMD, Social Security, and Roth conversion) are now listed on a single /tools page. Quick links to Tools, Blog, Guides, Pricing, and What's New appear in the top navigation on every page.

Guide library fully updated

All six planning guides have been rewritten with formula-accurate tables, updated figures for 2026 tax brackets and IRS factors, and expanded coverage of every new feature added since the guides were first published. Guides now reference the specific ThunderHarbor tab that handles each planning decision.

Tax Cliffs tab

Shows your projected income against four critical thresholds simultaneously: the ACA subsidy cliff, IRMAA tiers, the Social Security 85% taxation crossover, and the Net Investment Income Tax boundary. Charts them year by year from now through your 90s, so you can see whether a Roth conversion or large withdrawal pushes you across a costly line before you act.

SEPP Planner for early retirees

Models Section 72(t) Substantially Equal Periodic Payments inside your full retirement projection. Compare all three IRS-approved calculation methods, see the required payment and commitment period, and understand how the SEPP income affects your ACA subsidies and IRMAA exposure during the bridge years before 59½.

Inherited IRA Analyzer

Shows the year-by-year depletion schedule for a traditional IRA inherited by a non-spouse beneficiary under the SECURE Act 10-year rule. Calculates the estimated tax cost at different income levels so you can see what your heirs would actually keep, and how much Roth conversions during your lifetime would reduce that bill.

What-If Workshop

Test the financial impact of major life decisions like a large home purchase, a one-time expense, a market downturn, or a change in spending, without touching your main plan. Each scenario runs the full year-by-year projection so you can see the effect on portfolio longevity, tax exposure, and RMD trajectory.

Compare Scenarios

Put two versions of your plan side by side with different retirement ages, Social Security claiming ages, or contribution strategies, and see how they diverge on portfolio balance, lifetime taxes, and monthly income. Designed to make trade-offs concrete rather than abstract.

Monte Carlo Risk analysis

Runs your plan through hundreds of randomized market sequences to show the probability that your portfolio survives to your target age. Displays the range of outcomes (optimistic, median, and stressed) so you can see how much cushion you have and where the vulnerabilities are.

Life & Spending tab

Models how spending changes across retirement phases: the active early years, the slower middle years, and later life when healthcare costs typically rise. You can set different spending rates for each phase and model healthcare cost growth separately from general inflation.

Legacy Planning tab

Projects the estate value passed to heirs under different scenarios, accounting for account types, Roth conversion strategy, and the 10-year inherited IRA rule. Shows how much of your wealth is preserved versus absorbed in taxes depending on how your accounts are structured at death.

Life Design tab

A planning canvas for mapping the non-financial shape of retirement, including geographic moves, second careers, major experiences, and life goals, alongside the financial projection. Helps connect the numbers to the life you are actually planning for.

Concern-aware summary report

Generates a personalized PDF that highlights the specific risks in your plan, including underfunded years, IRMAA exposure, large RMD spikes, and ACA cliff proximity, rather than printing a generic projection. Designed to be useful whether you read it yourself or bring it to a fee-only advisor.

Social Security optimizer for both spouses

Models every combination of claiming ages for both spouses simultaneously and charts the lifetime income for each pair. Break-even crossover points are shown directly on the chart. The higher earner's claiming age affects the survivor benefit, and the tool makes that impact visible across every combination.

RMD Analyzer extended to age 95

Shows forced withdrawal amounts year by year from age 73 to 95 alongside your tax bracket and IRMAA tier for each year. The table makes visible how RMDs accelerate as the IRS life expectancy factor shrinks each year, something that surprises most people who have not modeled it.