6.0
2026-01-03
New S&P 500 Heat Map (1928–2025)
Visualize annual market performance across nearly a century.
New Net Worth View
Track assets and liabilities in a dedicated, cleanly designed screen.
Time-Lapse Market Replay
Replay historical market performance year by year to see how returns evolve over time.
Refined S&P 500 Data Table (1928–2025)
Improved presentation of detailed historical returns in a clear, readable format.
Enhanced Time-Lapse Growth Graph
Visualize long-term compound growth across years, including withdrawals.
Refined Savings Goal Calculator
Plan toward a target using contributions, time horizon, and return assumptions.
Improved Compound Growth Modeling
Supports both contributions and withdrawals for more realistic scenarios.
UI & UX Polish
Improved layout consistency, readability, and interaction flow across the app.
Performance & Stability Improvements
Internal refinements for smoother navigation and support for larger datasets.
5.0
2025-01-07
1. Expanded Savings Calculator Features
New Input Fields: Added inputs for the initial amount, goal amount, interest rate, and number of years.
Custom Frequency Calculations: Now calculates both weekly and monthly savings targets based on user inputs.
Improved UX with Animations: Introduced smooth transitions for toggling result visibility (.easeInOut, .scale, .opacity) to enhance the user experience.
2. "S&P 500 Performance Simulator" (New What-If Analysis Tool)
Historical Timeframe Selection: Users can choose custom start and end years for the S&P 500 index to simulate "what-if" investment scenarios.
Contribution and Withdrawal Customization: Added fields for annual contributions and withdrawal rates, allowing more accurate growth projections.
Growth Charts: Visualizes performance over time with interactive line graphs to highlight how different variables impact outcomes.
3. Compound Interest Calculator Enhancements
Monthly and Annual Contributions/Withdrawals: Supports both positive (contributions) and negative (withdrawals) cash flows, making calculations more realistic.
Automatic Summary Generation: Displays future value, total contributions, withdrawals, and earned interest in a concise breakdown.
Simplified Input Layout: Improved the user interface with better padding, alignment, and consistent styling for input fields.
4. Improved Navigation and UI Design
Standardized Form Layouts: Unified the appearance of forms across all views, with rounded borders, background highlights, and consistent spacings.
Action Buttons with Dynamic Colors: Added clear "Calculate" and "Next" buttons with color changes (blue for default, red for cancel) to guide user actions.
Adaptive Design for iPad Support: Layouts adjust dynamically to fit larger screens, ensuring usability across all iOS devices.
5. New Financial Planning Insights
Goal-Based Messaging: Added motivational text like "Save Today, Thrive Tomorrow" to keep users engaged and inspired.
Historical Analysis: Provided detailed annual and multi-decade return summaries for long-term market insights.
CAGR Comparison: Introduced Compound Annual Growth Rate (CAGR) calculations to compare raw returns with adjusted scenarios.
6. Data Persistence with @AppStorage
Persistent User Inputs: Fields for savings goals, interest rates, and other key values are stored using @AppStorage, so users can resume where they left off without losing data.
Summary of Improvements:
Your app has evolved from a simple calculator into a comprehensive financial planning tool. It now includes historical market simulators, custom frequency options, detailed summaries, and a more engaging, user-friendly interface.
4.0
2024-01-08
In this latest version, each view has undergone significant enhancements for a more visually appealing and user-friendly experience. The updates focus on refining aesthetics and simplifying navigation, ensuring an intuitive and engaging interaction for all users.
3.0
2023-05-27
Improved styling for all views.