Your Journey looks ahead, and the chart takes the lead on your phone

This update is about seeing where you stand at a glance. The Journey view now reads as one picture – where you have been and where your plan takes you next – and on a phone the charts stop hiding below a stack of controls.

Your Journey now looks ahead

The Journey chart used to stop at your last recorded snapshot, which made it a picture of the past. It now draws the road ahead as well: your recorded net worth runs as a solid line up to today, and from there your current plan continues as a dotted line out to your destination, with your FIRE target drawn across the chart and a flag where the plan lands. The join between recorded history and projection uses the same dollar basis end to end, so there is no artificial step where one becomes the other.

Milestones you have already reached now sit as dated flags on the line you actually travelled. When several land on the same day they gather into a single marker that opens a list, rather than piling labels on top of each other. For Premium, the Milestones card is now aware of the direction you are looking: Behind you lists what you have reached with real dates, Ahead of you keeps the projected ones.

Above the chart, one line gives the verdict – what your plan said, and what you are now tracking to. The baseline comparison has been rewritten in plain English with the detail one tap away, and the Bridge target only appears when your current plan actually has a bridge period, rather than echoing an old snapshot.

One fix here matters if you have seen "Not tracking yet" and could not get rid of it: if your comparison baseline was recorded before some significant projection improvements, recording a new snapshot now genuinely starts tracking from that snapshot. We had promised that in three places and not built it. Sorry – it works now.

The chart takes the lead on your phone

On a phone, the projection card used to spend its first screen on controls: two rows of toggles, legends, buttons, and somewhere below all of it, the chart. That order is now reversed. The header collapses to a single row – the dollar basis becomes one chip you tap to swap between today's dollars and future dollars, and the less-used controls move into an overflow menu. On the Journey view the verdict line comes first, then the chart, with the legend and Record snapshot below the plot. The chart itself grew taller at phone widths.

The practical difference on a typical phone: the top of the chart moved from roughly 600px down the card to about 180px, and the plot gained 80px of height.

Milestone labels at phone widths were painting over the plot as the lanes collided. Below small widths the label boxes step aside: the markers, their guide lines and tap-to-inspect all remain, and the Milestones menu still names every milestone with its year.

Saved scenarios, one tap away

The scenarios panel now keeps a persistent Saved scenarios list. Each row carries the scenario's name and a short summary of what it changes – for example "Investment growth rate 8% → 6%" – so you can tell your what-ifs apart without opening them. Tap a row to load it; deleting still asks you to confirm.

Along the way we fixed how scenario settings displayed: a growth-rate override of 6% could show as "0.06%" in the panel. The projection was always calculated correctly – the display now matches it.

Money fields say which dollars they mean

Planned one-off amounts are not all treated the same way, and the forms now say so. A windfall is entered in today's dollars and grown with inflation to the year it lands. A one-off expense, loan draw, or property purchase or sale is applied exactly as typed, in that year's dollars. Each of those fields now carries a standing note stating which basis applies and which financial year the amount lands in, so a 2044 sale price reads as what it is. A fuller control for choosing the basis yourself is planned.

Franking credits count on other investments

If you keep a share portfolio as a single line under Other investments rather than itemising every holding, its dividends were being modelled as unfranked – slightly harsher on tax than reality for most Australian portfolios. Rows of a type that can pay franked income – managed funds and LICs (listed investment companies), private company shares, and employer shares – now carry a Franking rate field. Enter how franked the income is (100 means fully franked) and the projection credits the tax the company has already paid on your behalf. Interest-style types like savings and term deposits are unaffected – they never see the field.

Smaller fixes

• If your money lasts through retirement but is projected to run out later – say at age 93 – the workspace no longer claims it ran out "before retirement". The red warnings now say what actually happens and when. Thank you to the customer who reported this one.
• Dark mode form fields are now solid wells with a firmer border, so it is clear where to type.
• Our emails are easier to read in dark mode. Headings no longer sit on the banner artwork, so mail apps that recolour text at night can no longer render them unreadable.

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