Model changelog
No silent math changes
When a model’s math changes, you’ll find it here — versioned, dated, and explained. Nothing changes quietly: every entry below comes straight from the model’s published spec, so what you read is what actually shipped.
- 1.2.0 (2026-08-14, product-approved): BREAKING — `yearlyData.year`
- 1.1.0 (2026-08-13, product-approved): fixed the no-divorce baseline
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-14, product-approved): BREAKING — `yearlyData[].year`
- 1.0.1 (2026-08-13, product-approved): BREAKING — removed dead
- 1.0.0: initial as-implemented spec.
- 1.2.0 (2026-08-13, product-approved): BREAKING — removed dead input
- 1.1.0 (2026-08-13, product-approved): two fixes, one of them a
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-14, product-approved): payment rollover — a
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-13, product-approved): three changes, one of them
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-13, product-approved): fixed the compounding-basis
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-14, product-approved): break-even added months to
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-14, product-approved): `fundingMethod = "heloc"`
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-13, product-approved): zero-rate guard (0% mortgage
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-13, product-approved): two changes, one of them a
- 1.0.0: initial as-implemented spec.
- 1.0.1 (2026-08-13, product-approved): BREAKING — removed dead input
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-13, product-approved): break-even now reports the
- 1.0.0: initial as-implemented spec.
- 1.0.1 (2026-08-13, product-approved): BREAKING — removed dead
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-13, product-approved): replaced the hardcoded
- 1.0.0: initial as-implemented spec.
- 1.1.0 (2026-08-27): graduated states CA, NY, MA, NJ, VA added with TY2025
- 1.0.0 (2026-08-27): initial spec — household engine state-tax wave 1a
- 1.1.0 (2026-08-13, product-approved): three fixes.
- 1.0.0: initial as-implemented spec.
- 1.0.0 (2026-08-16): initial spec — tax pack model 3
- 1.0.0 (2026-08-16): initial spec — longevity mini-pack
- 1.0.0 (2026-08-14): initial spec — Pack 1 (loans & credit).
- 1.0.0 (2026-08-14): initial spec — Pack 1 (loans & credit).
- 1.0.0 (2026-08-14): initial spec — Pack 2 (retirement & tax).
- 1.0.0 (2026-08-14): initial spec — Pack 1 (loans & credit).
- 1.0.0 (2026-08-14): initial spec — Pack 3 (startup & small business).
- 1.0.0 (2026-08-14): initial spec — Pack 2 (retirement & tax).
- 1.0.0 (2026-08-14): initial spec — Pack 1 (loans & credit).
- 1.0.0 (2026-08-14): initial spec — Pack 2 (retirement & tax).
- 1.0.0 (2026-08-14): initial spec — Pack 3 (startup & small business).
- 1.0.0 (2026-08-14): initial spec — Pack 2 (retirement & tax).
- 1.0.0 (2026-08-14): initial spec — Pack 1 (loans & credit).
- 1.0.0 (2026-08-29) — first release, with the Estate & legacy
- 1.0.0 (2026-08-16): initial spec — tax pack model 1
- 1.0.0 (2026-08-16): initial spec — longevity mini-pack
- 1.0.0 (2026-08-14): initial spec — Pack 1 (loans & credit).
- 1.0.0 (2026-08-16): initial spec — longevity mini-pack
- 1.0.0 (2026-08-14): initial spec — Pack 3 (startup & small business).
- 1.0.0 (2026-08-29) — first release, with the Estate & legacy
- 1.0.0 (2026-08-14): initial spec — Pack 1 (loans & credit).
- 1.0.0 (2026-08-14): initial spec — Pack 1 (loans & credit).
- 1.0.0 (2026-08-29) — first release, with the Estate & legacy
- 1.0.0 (2026-08-16): initial spec — tax pack model 2
- 1.0.0 (2026-08-14): initial spec — Pack 2 (retirement & tax).
- 1.0.0 (2026-08-16): initial spec — tax pack model 5
- 1.0.0 (2026-08-14): initial spec — Pack 2 (retirement & tax).
- 1.0.0 (2026-08-14): initial spec — Pack 2 (retirement & tax).
- 1.0.0 (2026-08-14): initial spec — Pack 3 (startup & small business).
- 1.0.0 (2026-08-14): initial spec — Pack 3 (startup & small business).
- 1.0.0 (2026-08-27): initial spec — WS2.4 benefit formulas, 2026
- 1.0.0 (2026-08-29) — first release, with the Estate & legacy
- 1.0.0 (2026-08-16): initial spec — tax pack model 4
Models that haven’t needed a change
The rest of the catalog is still on the version it launched with — the math has held up as shipped:
529-college-savings v1.0.0, down-payment v1.0.0, emergency-fund v1.0.0, fire v1.0.1, mega-backdoor-roth v1.0.0, one-income v1.0.0, refinance v1.0.0, relocation v1.0.0, roth-vs-traditional v1.0.1, sabbatical v1.0.0, student-loan-payoff v1.0.0, windfall v1.0.1
See all models, contracts, and the verification method at /models.