What’s new

See what’s free to put toward debt

The cash-flow plan now answers a question it couldn’t before: after your planned expenses — and a reserve you choose to keep back — how much is actually free to put toward debt? It reads from your tracked cards, loans, and balance transfers, doesn’t double-count the minimums you’ve already budgeted, and is careful to call itself capacity, not advice. If your recurring plan sets aside less for debt than your real minimums, it tells you, so the number never reads rosier than your situation.

A calmer home that notices the good

The Overview now leads with the one thing worth your attention today and lets the rest fold away until you ask. When your net worth moves in your favor it says so — gently, and only when the data really shows it — without ever spinning a down month into good news.

A stronger small-business section

The Business area is now much closer to the simple-business gap GlidePath is meant to fill: enough structure to run a small operation without turning the app into QuickBooks.

Invoices gained a more practical command center: clone a prior invoice, keep line items moving quickly, see aging buckets, and avoid treating unsent drafts as overdue receivables. The business cockpit now gives a clearer “am I okay?” read without asking you to interpret every row at once.

Tax set-aside and the household bridge

Business income now has a better path back into the household view. The new tax set-aside jar uses the same estimated-tax source as the rest of the app, clamps unsafe edited values at read time, and shows what has been paid versus what still needs to be reserved.

The bridge back to personal planning is more explicit too: it separates business operating health from household cash-flow comfort, so a good invoice month does not silently become “spendable personal money” before taxes and timing are considered.

Visual polish, less page drift

More of the app now shares the same page headers, panels, notices, cards, and empty-state language. Resources, About, Help, Invoices, Actions, and the trust/ops pages moved further onto the shared visual system, so the app feels less like a set of separate tools and more like one product.

This release also firms up risk-facing copy. Friendly still matters, but the app is more willing to say when something is stale, incomplete, irreversible, or worth checking before you rely on it.

Release-readiness truth pass

A set of final release checks tightened places where the app could sound more confident than the underlying data allowed: demo states, PDF/import wording, continuity copy, and high-impact dashboard reads. Overview now names how current the month-to-date spending picture is, and Net Worth has the same provenance treatment as the dashboard number it matches.

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As always: your financial files stay on your computer, in plain files you own. Update from the banner in the app, or grab the latest installer any time.

What this fixes

In 1.12.0, the installer could stop before it finished — right around the step where you paste your license key to activate. This release fixes it, so installing and activating completes the way it should.

If a 1.12.0 install ended early, just run this installer. It picks up cleanly, and your data, license, and secure tunnel are left exactly where they are — re-running the installer never touches your financial files.

A small extra

When you update from the “update available” banner inside the app, the installer it downloads now carries its version in the filename — GlidePathMoney-Setup-1.12.1.exe rather than a generic name — so it’s easy to tell apart in your Downloads folder (and in any support conversation). The download button on this site already worked this way; now the in-app banner matches.

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As always: your financial files stay on your computer, in plain files you own. Update from the banner in the app, or grab the latest installer any time.

Look around before you commit

GlidePath now has an Explore mode. Install it, and instead of a key-entry wall, you can step into an example household and use the real app — Overview, retirement projections, balance transfers, reports, the whole surface — with no license key, no account, and no email. Pick from four example families and try the product on.

Everything you see while exploring is clearly marked “Exploring with example data — everything here is fictional,” so there’s never a question of whose numbers you’re looking at. You can edit the example rows, run the simulators, switch households, and poke at every page.

There’s one firm line: the instant you’d bring in your own data — importing a bank file, adding a real account, restoring a backup — the app asks you to activate first. That keeps the example sandbox and your real financial life cleanly separated, so nothing you do while exploring can land in (or leak out of) your actual household.

When you’re ready, activate your key. If you’ve been exploring, GlidePath offers a one-click Start fresh that clears the example data — and quietly backs it up first, just in case — so you begin your real setup on a clean slate.

A gentler first session

The pages that used to greet a brand-new user with a blank screen — balance transfers, goals, the business hub, reports, and the from-zero retirement starter — now open with a short, plain-words welcome and a clearly-labeled example preview of what each page looks like once it has your data. The example figures are internally consistent and dated relative to today, so they always read as a believable snapshot rather than something stale. Every one of them is badged as an example, and points you to the one next step that fills the page in for real.

Quieter and steadier in the background

• Example data and restored backups now show up right away. Loading an example household — or restoring from a backup — into an already-open app used to leave some pages saying “no history” until you restarted. They refresh immediately now.
• Narrow windows lay out cleanly. A pass over the tables and panels that could spill past the edge of a small or half-width window — headers now line up with their columns, and nothing scrolls sideways.
• A couple of privacy rough edges, smoothed. The example-data payload no longer carries a stray machine-identity file, so loading an example household can’t overwrite your own device’s identity. And the daily trust brief and action items no longer repeat account names in their explanations — they describe what needs a look without naming the account out loud.
• Less chatter from a key-free install. A fresh install with no key entered no longer contacts the activation server on a timer, and the email inbox no longer mixes real transactions into a loaded example household. A few activation and unlock screens that could get stuck in a loop now always offer a way forward.

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As always: your financial files stay on your computer, in plain files you own. Update from the banner in the app, or grab the latest installer any time.

The app keeps the list, so you don’t have to

There’s now an Action Queue — a short, honest list of things worth a look: a balance-transfer promo window ending soon, a monthly check-in coming due, a subscription about to renew, an invoice sitting unpaid, an estimated-tax date approaching, data that hasn’t been refreshed in a while, a backup that’s overdue. Mark an item done, snooze it, or dismiss it — and when you handle the underlying thing, the item retires itself. No nagging about work you already did.

Overview shows the queue’s highlights in a strip, so the day’s picture and the day’s to-dos live in one place.

Overview opens with a daily brief

Two new reads at the top of Overview. Today’s path suggests one useful next step based on where things actually stand — new captures to review, a setup step left open, an urgent queue item, or simply “you’re caught up.” The daily trust brief is a plain-words read on the state of your data: what’s fresh, what moved, and a green “done for today” when everything’s tended. It rewards being caught up — it doesn’t manufacture urgency.

Numbers that show their work

The eight highest-impact numbers in the app — the ones decisions lean on — now wear provenance badges: where the figure came from and how fresh the underlying data is, one tap away. And a new Transaction review page gives your ledger a planning-grade read: how much of your history is categorized and ready to support the charts, and the shortest path through anything that genuinely needs a look. It only counts what actually needs review — a long-established, tidy ledger scores like one.

A cockpit for balance transfers

The balance-transfer pages grew into a proper cockpit: what matters most right now, projections for each promo cliff (what the balance looks like when the 0% window closes), a clear plan that respects your real monthly budget, milestone moments as you knock balances down, and a clean closeout when one’s paid off.

Imports that explain themselves

When a downloaded bank file isn’t recognized, a new import diagnoser reads the file right on your machine and shows its best guess for each column — date, amount, description — with a confidence chip on every guess. You confirm or correct, then import. Nothing about the file leaves your computer.

Also in this area: the specialized importer is now called Auto-import, matching what it actually does.

Reports earned their keep

• What changed this month now leads the Reports page — month-to-date compared against the same day-span of last month (the 1st through the 10th vs the 1st through the 10th, never a partial month against a full one), the biggest spending movers, and net-worth movement that correctly counts paying down a loan as progress. Movement, not judgment — and an honest empty state until two months of history exist.
• Advisor packet (PDF) — one click produces the document a financial professional asks for in the first meeting: net worth, accounts with as-of dates, cards and loans, active balance transfers, retirement inputs as you entered them, and goals. Every page carries a this-is-software-not-advice footer.
• Every report now opens with the question it answers, in one line.

Starting from zero, welcomed

• A new Retirement starter guide for anyone beginning retirement planning from nothing — what the account types are, what an employer match is, what vesting means — in plain words, with curated official sources.
• A new Readiness map shows what GlidePath knows so far across your whole setup — and what filling in each remaining piece would unlock.
• A new financial-sites launcher keeps your banks’ sign-in pages one click away. It stores links only — never usernames, passwords, or sign-in codes.

Softer voice, truer words

A pass across the whole app for tone and truth: warmer wording, clearer navigation, first-click guidance on pages that used to assume you knew where to start, and copy that says exactly what the app does — including a precise description of what the optional AI categorization sends when you choose to use it. Dollar figures now render correctly on every system language setting, and the About page reports your Windows version the way Windows itself says it.

A one-time re-accept of updated terms

We updated the Terms and the Privacy Policy (both dated June 12, 2026), so the app will ask you to review and accept once after this update. What changed, in one breath: the Terms now describe subscription renewal exactly as it works, and the Privacy Policy gained a section spelling out — field by field — what the optional AI categorization sends and what it never sends. No change to the heart of it: your financial data lives on your machine.

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As always: your financial files stay on your computer, in plain files you own. Update from the banner in the app, or grab the latest installer any time.

GlidePath Money on Linux (early access)

The same local-first app, now on Linux. Grab the .deb package (Debian, Ubuntu, Mint) or the plain tarball for everything else from the download page — both come with published checksums (a SHA256SUMS file) so you can verify what you downloaded, and every Linux build is virus-scanned before it ships.

Two honest caveats while it’s early access: phone access and the email-forwarding inbox aren’t on Linux yet — they ride on a piece the Windows installer sets up, and they’re on the list. Everything else — the full planning surface, imports, holdings, the works — is the same app.

Enter your license key right in the app

Activation no longer assumes an installer. There’s now a simple key-and-email form on the activation screen — paste the key from your purchase email and you’re in. That’s how Linux activates, and it also means Windows users can re-enter a key any time without reinstalling.

A Trust Center, inside the app

You’ll find a new Trust Center page under Setup. It lists every way the app can touch the internet — what’s sent, when it happens, and why — from the license check to the optional update banner. And it has teeth: our automated tests compare that list against the app’s actual code, so if a future change added a cloud call that isn’t documented there, the build fails. The page can’t quietly drift out of date.

Momentum — the app notices what’s going right

The Overview and Goals pages now open with a Momentum read: debt trending down, a goal back on pace, a balance-transfer payoff on schedule — movement in the right direction, said in plain words. It rewards direction, not dollar size, and it never scolds. Where you’ve been matters less than where you’re headed.

Your weekly email, in your voice

If you’ve turned on the weekly digest email, you can now pick its tone — direct and brief, friendly, or more of a coach. Whatever the tone, the email stays private by default: it mentions dates and reminders, never your dollar amounts. Your figures stay in the app, behind the link. If you want the numbers in your inbox, that’s a separate opt-in with a plain note about exactly what it sends.

Sturdier and safer

• Tighter household-partner boundaries — screens meant only for the account holder (import history, statement review, the email inbox) are now holder-only in every case, not just when saving.
• Small business-tax fixes — the home-office percentage now caps at 100% even if a hand-edited file says otherwise, and a couple of display rough edges got smoothed.

A one-time re-accept of updated terms

We updated the License Agreement and Terms, so the app will ask you to review and accept once after this update. The substance, in one breath: if a purchase is refunded, that purchase’s license ends — and letting the optional yearly maintenance lapse never locks you out of the app or your data. That’s it.

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As always: your financial files stay on your machine, in plain files you own. Update from the banner in the app, or grab the latest installer any time.

Three sample families to explore

Putting in your own numbers is a big leap when you’re not yet sure what the app even does. So GlidePath now ships with three ready-made demo households you can load from the Setup page and click through as if they were your own:

• The Riveras — a young family early in the journey: a starter emergency fund, a student loan, a credit-card balance-transfer promo counting down, and a first retirement account. Watch the “what if I clear this balance transfer?” ripple reach all the way to retirement.
• The Hwangs — a dual-income couple nearing retirement, with company stock that vests over time (RSUs), a low-tax window to move savings into a Roth, and a health-insurance subsidy worth protecting. The fuller planning picture.
• The Bennetts — a retired couple drawing things down: when to take Social Security, the required withdrawals from retirement accounts that start in your 70s, Medicare, and a steady monthly cash flow.

Switch between them in one click. And if you’ve already started your own plan, GlidePath quietly backs it up first (you’ll find it under Backups) before loading a demo — so exploring is always safe.

Clearer, more honest fine print

We took a careful pass over the legal and trust pages — Terms, Privacy, the investment and tax disclaimers, Security — to make them plainer and more precise about what actually happens to your data. Where something can leave your machine, we now say so and say exactly what — no absolute claims we can’t stand behind, in the same plain-English voice as the rest of the app.

Safer, sturdier under the hood

• Friendlier import limits — the import step now gently declines a file that’s implausibly large instead of straining on it.
• Tighter security — hardening on the phone-access path, and on the diagnostic “support bundle” so a file path can’t carry your username into a report.
• More automated testing — a new end-to-end test suite clicks through the real app on every change, so the things you rely on keep working.

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As always: your financial files stay on your machine, in plain files you own. Update from the banner in the app, or grab the latest installer any time.

Your stock comp, finally in one place

If your employer pays you partly in company stock, it’s easy to lose track of what’s vested, what’s still coming, and what it’s worth. The new Equity page keeps it straight:

• Add a grant and lay out its vesting schedule in a couple of clicks — RSUs (restricted stock units — shares that become yours on a schedule), stock options (ISO/NSO), or ESPP shares. Every vest date is laid out for you; adjust any of them by hand.
• See what’s actually yours today vs. what’s still coming, valued at the current share price (options at their intrinsic value — price minus strike).
• Concentration at a glance — how much of your investable money rides on one company’s stock. Shown as an honest read, not a nudge.
• How it fits retirement. Your base plan stays conservative — shares that haven’t vested aren’t counted as money in the bank — but you can flip on a side-by-side “with RSU upside” view whenever you want to see the optimistic case.

Estimates for the tax part — clearly labeled as estimates

Equity comp gets taxed in ways that catch people off guard. GlidePath now estimates:

• What’s withheld when shares vest — federal supplemental, Medicare, Social Security, and your state’s rate (pick your state; it’s treated as an estimate until you do, and you can override it).
• Your realized gain when you sell — first-in, first-out, with cost basis from the vest-day price, split into short- vs long-term.

These are estimates to help you plan and have a sharper conversation with your tax professional — never tax advice, and every number is yours to override.

Bring grants in from your broker

Already have your grants in a spreadsheet or a broker export (Fidelity, Schwab, E*Trade, Merrill, and others)? Import them from a CSV — map your columns once on the Import page and it’s remembered for next time. A grant summary or a full vesting schedule both work, and you’ll see exactly what will land before it does.

See what an import will change — before it happens

Every import now opens with a “review what will change” step: how many rows will land, the date range, a sample of what we read, and any duplicates we’ll skip — all before a single thing is saved. And if something still looks off afterward, one click undoes the whole import.

Quieter, sturdier under the hood

• The entire money engine — retirement projections, tax, Social Security, debt payoff — now lives in a separate, independently-tested calculation library with an exact-dollar test net, so the numbers are easier for us to verify and harder to break by accident.
• Fonts are self-hosted, so the app looks right even fully offline.
• More golden-scenario tests and tighter guards on the local import path.

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As always: your financial files stay on your machine, in plain files you own — the equity details included. The only thing that ever leaves your computer here is a ticker symbol, to look up the current share price. Update from the banner in the app, or download the latest installer any time.

Your data, better protected

GlidePath keeps everything in plain files on your own machine — so this release puts a stronger seatbelt on them:

• A new Data Health screen (under Settings). One page that shows where your data lives, how many accounts and transactions you have, when it last saved, your most recent backup, any possible duplicate transactions, and your encryption status — so you can see at a glance that everything’s in order.
• Crash-safe saves. Every change is now written so it can’t leave a half-written or empty file behind, even if your computer loses power mid-save.
• A backup before every big import. Before GlidePath brings in a large batch of transactions, it quietly snapshots your data first — so a messy import is never a one-way door.

Your retirement numbers, a little more accurate

Two corrections under the hood make your retirement projection truer to life:

• Social Security is now read exactly as you entered it — we fixed a case where a spouse’s benefit could be adjusted twice.
• Cash flows are modeled mid-year rather than all at once, which better matches how money actually moves through a year.

Because of these, your projected numbers may shift slightly from what you saw before. That’s expected — they’re more accurate now, not less. (Curious how it adds up? Explain Mode still shows the work.)

Easier to get your bearings

• A new About & Settings page gathers the essentials in one place — your version, your data-folder location, and the app’s toggles.
• A “recently captured” review spot so anything imported in the background is easy to find and confirm — capture is never silent.

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As always: your data stays on your machine, in plain files you own, and nothing here changes that. Update from the banner in the app, or download the latest installer any time.

A hands-off way to get your data in

There’s a new option on the Import page: Watch my Downloads folder. Turn it on, then download a statement or transaction export (CSV, Excel, QFX/OFX) from your bank or budgeting app the way you always do. GlidePath notices the new file and offers to import it right there on the Import page — one click and it’s in, matched to the right account and de-duplicated against what you already have.

It’s the easiest rung yet on the “get my data in” ladder: the browser extension is still the most automatic, but this works with any bank that lets you download an export, and it needs nothing installed in your browser.

Built to stay out of your way

This is your machine, so it behaves like a good guest:

• Off until you turn it on. Nothing watches anything until you flip the switch on the Import page.
• It only reads, never writes. GlidePath looks at files you downloaded; it never changes or moves anything in your Downloads folder.
• It only flags exports it recognizes. A file has to match a known bank or budgeting-app format before it’s suggested — your tax spreadsheet, your kid’s science project, your random CSVs are all ignored.
• It never imports on its own. Every file is just a suggestion until you click Import — the same “you confirm everything” rule the rest of GlidePath follows.
• Dismiss once, gone for good. Not the file you wanted? Dismiss it and it won’t come back.

It even catches exports you downloaded while GlidePath was closed, so nothing slips by.

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As always: your data stays on your machine, in plain files you own. Update from the banner in the app, or download the latest installer any time.

See where your money’s actually going

The Spending page used to be mostly the category-by-month grid. Now it opens with the at-a-glance picture most people want first:

• A category donut — your spending split by category over the window you’re viewing, with each slice’s dollar amount and share of the total, and the grand total in the center.
• A top-merchants breakdown — where the dollars actually land. A merchant that bills you across several categories is summed under one name, so you see the real total going to each place.
• A year-to-date strip at the top — spent, income, and net for the year so far, in whichever view you’re in (personal, business, or everything).

It’s all derived from the transactions you already track, computed entirely on your machine — nothing leaves your computer.

Take the numbers with you

Both the category-by-month grid and the top-merchants table now have a one-click ⬇ Export CSV. Open the export in a spreadsheet, hand it to your accountant, or keep your own archive — it’s your data, in a plain file, whenever you want it out.

Less typing when you log things

Adding a balance transfer or a subscription now gives you dropdown pickers for the card, merchant, and category fields — pick from what you’ve already got instead of retyping a name and risking a typo that quietly splits your history into two.

And there’s a friendly “Add a card” form on the Cards page now. Adding a credit card used to mean editing a file by hand; now it’s a quick form, like everything else.

Easier on the eyes

A small readability pass: we darkened the muted gray text so it clears the WCAG AA contrast bar, and put a floor under the very smallest labels so nothing renders below a comfortable size. The app also picked up a fresh, crisper icon.

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As always: your data stays on your machine, in plain files you own. Update from the banner in the app, or download the latest installer any time.

See what actually moves your credit score

There’s a new Credit Health page (under Accounts). It takes the five factors the scoring models (FICO, VantageScore) actually weigh — payment history, credit utilization, length of history, new credit, and credit mix — and shows where your own accounts stand on each of the five.

Utilization is the factor that moves fastest: GlidePath shows it per-card and overall, the dollars that would put you under the thresholds scorers reward, and how it’s trended month over month.

We don’t pull your credit report, run an inquiry, or fetch a score from anyone — this is the data you already keep, organized around the published factors and computed entirely on your machine.

Get your score free — and watch it move

We can’t show your actual score (only the bureaus can, and we never touch your credit file). So the page links the genuinely free places to get it — Discover’s Credit Scorecard (no account needed), Experian, your bank or card app — plus the official AnnualCreditReport.com for your reports.

Grab your number, log it, and GlidePath trends it against your utilization so you can watch the two move together — “your score slipped over the same months your utilization climbed.” The number stays on your machine, like every other figure.

The Resources page gained a matching Credit section, too: the FICO factor breakdown and the CFPB/FTC explainers.

Tax reminders that fit how you file

Not everyone with a side business sends the IRS quarterly estimated payments — plenty just settle up once a year on their personal return. The Business page now asks how you handle it, and if you file annually it stops showing the quarterly-deadline reminders that don’t apply to you. Change it any time on the Business → Settings tab.

Polish

A handful of layout touch-ups — cleaner card spacing on the Business, Spending, and other pages, and a little breathing room around the “not tax advice” notes.

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As always: your data stays on your machine, in plain files you own. Update from the banner in the app, or download the latest installer any time.

Trusted sources, right where you need them

GlidePath shows you the math. Sometimes you want to read the rule behind it — and the official pages (IRS, Social Security, Medicare, HealthCare.gov) are authoritative but, let’s be honest, intimidating.

Now every retirement and business panel has a quiet “Further reading” shelf at the bottom, pointing to the exact official page for that topic — Social Security claiming, RMDs, Roth conversions, the ACA bridge, IRMAA, Schedule C, self-employment tax, and more. There’s also a dedicated Resources page (under Setup) that gathers them all in one place, each with a one-line note from us on why it’s worth a read.

Plain-English guides for the pages people find daunting

For the densest pages, we wrote an original, plain-English guide — what the page is, how to use it, and what to look for — so you’re not dropped cold into IRS legalese. Open the ”📖 New to this?” panel on a card and you’ll get the friendly version first, with the scary terms (provisional income, MAGI, the “tax torpedo,” safe harbor) explained in a built-in glossary.

These are our summaries to help you get oriented — educational, not advice, and the official page is always the authority.

A neutral way to find a fee-only fiduciary

When you’re ready to act on what you’ve explored, sometimes you want a real person. The new Find an advisor page points you to neutral, third-party directories of fee-only fiduciary advisors (paid by you, not by commissions), plus the free SEC and FINRA tools to vet anyone — and an original “questions to ask before you hire” checklist. GlidePath doesn’t name specific advisors or take referral fees; it just helps you find and vet one yourself, and bring your own numbers to the meeting.

More accurate retirement numbers

We did a deep, independent correctness pass on the entire retirement engine and tightened a long list of details so the numbers match the rules more precisely:

• RMD start age by birth year (73 or 75) and full retirement age by birth year (not a flat 67)
• Social Security taxation modeled as the real sliding scale, including the “tax torpedo” where a conversion pulls more of your benefit into taxable income
• ACA premium help as the true income-based sliding scale, with the pre-Medicare cliff
• Senior (65+) deductions, spousal and survivor benefit accuracy, pension handling, and Monte Carlo volatility refinements

If your retirement figures shift slightly after updating, that’s the improved accuracy.

Sharper business & Schedule C tax math

The business side got the same treatment: corrected Section 179 limits (current OBBBA figures), the updated 1099 reporting threshold, clearer self-employment-tax wording, a home-office carryover fix, and plain disclaimers on the accountant pack so you and your CPA know exactly what it does and doesn’t cover.

Under the hood

We also added automated checks that flag a broken or moved link before it can reach you — so the official pages we point you to stay current.

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As always: your data stays on your machine, in plain files you own. Update from the banner in the app, or download the latest installer any time.

Encrypt your data at rest — your call, either way

GlidePath keeps your money on your machine, in plain files you can open in Excel. That’s the whole point — but it also means anything that can read your disk can read your finances. Full-disk encryption (BitLocker / FileVault) has always been the answer, and still is. Now there’s a second option built right in.

Go to Setup → Data security and turn it on. Two ways, your choice:

• Automatic — encrypts your data with a key tied to your sign-in on this computer. It unlocks itself when you’re logged in; nothing extra to type. Protects against another account on the PC, or someone copying your data folder to another machine.
• With a passphrase — the strongest option. Your data is unreadable without a passphrase only you know — even on a stolen, logged-in laptop. You enter it once each time you start the app.

It’s genuinely best-of-both-worlds: leave it off for plain, openable files, or switch it on when you want the protection. You can change your passphrase any time, export a decrypted copy whenever you need one for Excel, and turn it back off to get plain files again. It covers everything sensitive — transactions, balances, accounts, holdings, and your invoices.

One honest note, because it matters: in passphrase mode, there is no recovery. That’s the whole point of real encryption — if you lose the passphrase, no one, not even us, can read the data. Keep it somewhere safe.

A cleaner, calmer interface

We did a top-to-bottom polish pass: less clutter at the top of each page, a steadier rhythm to the headings, tidier navigation, and friendlier empty states when you’re just getting started. The charts got richer, easier-to-read colors — a real green and a warm clay red instead of muddy defaults — and they now adapt to the Espresso dark theme. Plus a sweep of contrast and text-size fixes so nothing’s hard to read.

The app has a face now

GlidePath Money finally has its own icon — the rising-trend mark — on the app window, the taskbar, the installer, and your browser tab. Small thing; makes it feel finished.

Bulk mileage import for side businesses

If you track business miles, you can now import a whole year of trips at once. Drop in an export from MileIQ, Everlance, or Stride (or any mileage CSV) and the guided importer maps the columns, converts kilometres if needed, filters to business-only trips, and skips duplicates. The mileage deduction also now uses the correct IRS rate for each tax year automatically.

How to update

Click Download on the orange “Update available” banner. Your data, license, settings, and remote access all carry forward — nothing to re-enter. (If you turn on encryption afterward, your existing files get encrypted in place.)

Create and send professional invoices

If you do any work on the side, there’s now a proper way to bill for it — no separate subscription, no uploading your client list anywhere. It all lives in Business → Invoices, on your own machine.

Fill in a client and a few line items and you get a clean, branded PDF to send:

• Your branding — upload a logo, pick a brand color for the heading, set a number prefix (INV-1001), choose Letter or A4. Set it once; it’s on every invoice.
• Simple tax — one optional line with your own label (“Sales Tax”, “GST/HST”) and a rate.
• Status tracking — Draft → Sent → Paid, with an automatic Overdue flag and a running outstanding-vs-paid summary.
• One-click PDF — the on-screen preview is the exact sheet your client receives. No browser headers, no “localhost” in the margin.
• Duplicate — next month’s invoice is one click from last month’s.

New to it? The walkthrough is at Create and send your first invoice.

Turn a paid invoice into Schedule C income

Marking an invoice Paid now does more than tidy your outstanding total — it can file that payment on your Schedule C (the IRS form a sole proprietor uses to report business income).

The first time, one click sets up income tracking (a “Business Income” category mapped to gross receipts). After that, GlidePath finds the bank deposit that paid the invoice — a credit on one of your business accounts matching the total — and shows it to you. Confirm the right deposit and it’s recorded under gross receipts on your Schedule C.

It’s always suggest-and-confirm, never silent, and it follows the real deposit in your account — so what lands on your taxes is what actually hit the bank. (How it works.)

Make the app yours: text size and a warm dark theme

A new Display menu in the top bar:

• Text size — Small / Medium / Large / Extra-large, scaling the whole interface, not just one screen. Pick what’s comfortable and it sticks.
• Theme — the bright Latte look, or a new warm Espresso dark theme that’s easy on the eyes at night. Your invoices’ preview stays a clean white sheet either way, so what you send a client never changes.

How to update

Click Download on the orange “Update available” banner. Your data, license, settings, and remote access all carry forward — nothing to re-enter.

Upgrade to Business from inside the app

If you bought Personal and your situation changed — a side business, some freelance income, a Schedule C to file — you no longer have to email us to add the Business tools.

Open License & devices (/License) and you’ll see an Add the Business tier panel. One click opens secure checkout for the $70 difference between Personal ($129) and Personal + Business ($199). The moment it clears, your existing license unlocks everything in /Business:

• Schedule C profit-and-loss preview
• Asset depreciation (Section 179, MACRS)
• Home-office deduction
• 1099 prep
• Mileage log
• Year-end accountant pack

Your device limit also goes from 3 to 6 installs. No new license key, no reinstall — the same license you already have just does more. (Already on Business? The panel won’t appear — nothing to do.)

Your itemized invoice and receipt are emailed automatically, ready for your accountant or expense report.

Clarity and polish

A pass across several screens to make them easier to read and friendlier when empty:

• Weekly Digest & Trends — plainer language in place of finance shorthand, and a clearer “what changed since last month” framing.
• Subscriptions — track a detected subscription in a single click.
• Monthly Close, Calendar, Backup, PDF Review — warmer framing, better empty states, and clearer guidance the first time you open them.
• Help & Settings — accuracy fixes so what you read matches what the app actually does.

How to update

Click Download on the orange “Update available” banner. Your data, license, settings, and remote access all carry forward — nothing to re-enter.

A milestone release. For the past few months GlidePath Money has been quietly running for a small group of early customers — friends, family, and a handful of folks who found the site early. Today it opens up to anyone who wants it.

If you’re upgrading from a 0.9.x beta, everything carries forward. No migration, no re-entry of data. Click Download on the orange banner and the installer takes care of the rest.

What you get in 1.0

GlidePath Money is a desktop app that lives on your computer. Your core financial file stays on your machine by default, with optional online helpers called out in the Privacy Policy. You pay once for the app, then optionally $39/year after the first year for new features and security updates.

Money basics

• Transactions, budgets, goals, balance transfers. The full picture across checking, savings, credit, loans, and investments. Plain-English explanations on every chart and stat.
• Net worth, cash flow, spending trends. What changed this month, what’s drifting, what to do about it.
• Retirement planner. Monte Carlo simulation with peer benchmarks (“Are you on track for age 50?”), single-person mode, and a “what would help most?” analysis that re-runs the math for each lever and shows which one improves your success odds the most.

Getting your data in

• Browser extension for Chase, American Express, Citi, and Bank of America. Click “Download transactions” on your bank’s site like you normally would and the extension hands the file directly to GlidePath. No mock balances, no permissions to your bank account, no third-party aggregator.
• PDF statement parsing. Drag a statement PDF onto /Import (or let the extension catch them automatically) and the app walks you through extracting transactions and balances. The PDF parsing flow runs locally.
• CSV drag-and-drop. Any bank, any format. Format auto-detect built in.
• Email inbox. Forward bank transaction alerts to a private inbox address and they auto-import within ~5 minutes.

Households

• Multi-user. A second person in the household sees their own view of the data. Each transaction is tagged to its owner. Reports and budgets respect the filter so you can answer “what did I spend?” and “what did we spend?” with one click.
• Optional remote access via your phone or another computer. Built in by default; you can turn it off if you only want desktop access.

Investing

• Holdings tracking. Per-symbol positions across all your accounts. Prices refresh on demand (the only thing that leaves your machine is the ticker symbol, never the share count). Asset allocation rolls up across accounts; net worth incorporates current market value automatically.

Planning

• Balance-transfer simulator. For every active balance transfer, an inline “what if I cleared this now?” panel shows the tax-savings impact, the future value of redirecting the payment to retirement, and a 500-trial Monte Carlo of how it shifts your success probability. Decisions stop being abstract.
• Tax Valley. The years between retirement and Required Minimum Distributions are usually the lowest-tax window of your life. The planner identifies your specific valley, shows the Roth conversion opportunity, and gives a directional estimate of the tax savings.

Knowing what’s going on

• Glide. An in-app explainer chat. Ask “what’s a Roth conversion?” or “why does the planner think I should delay Social Security?” and you get a real answer. Built on a fast, focused language model — but the chat never sees your financial data. Only the question text. 50 questions/month included.
• App lock. Optional password with auto-lock on idle. Argon2id-hashed, OS-encrypted at rest. Off by default; turn it on from /License#lock.

Trust

• EV code-signed installer. Microsoft SmartScreen and McAfee both recognize the publisher (QuickTech LLC) on the first download. No “unknown publisher” warning, no scary red banner.
• All data lives on your computer as plain files. If you ever stop using GlidePath, your data is sitting right there, readable in any spreadsheet program. No export step required.

A note on pricing

GlidePath Money is one-time pricing. You pay once and the app is yours.

For your first year, all updates are included. After that, $39/year keeps the updates flowing — new features, bug fixes, security patches, new bank parsers. You can let the maintenance lapse and keep using the app indefinitely; you just stop receiving updates until you renew.

We don’t charge subscriptions for the basic functionality of an app you already paid for. Full pricing detail at pricing.

How to update

Existing 0.9.x users: click Download on the orange “Update available” banner. Your data folder, license, tunnel, and settings all carry forward.

New users: head to glidepathmoney.com and the Download button gives you the installer.

Thanks

To the beta customers who pushed back, found the rough edges, and let us run real data through the planner before anyone else: thank you. 1.0 exists because you were patient.

Pair with extension v0.4.6. Together they add Bank of America to the auto-capture pipeline.

What’s new

CSV summary-block stripping

BoA’s CSV export (despite being labeled “Microsoft Excel Format” in their UI — they killed the explicit CSV option) prepends 5 summary rows before the real transaction headers:

Description, , Summary Amt.
Beginning balance as of 11/25/2024, , 4,480.65
Total credits, , 277,139.29
Total debits, , -271,724.59
Ending balance as of 05/22/2026, , 9,895.35

Date, Description, Amount, Running Bal.    ← the real header (row 7)
...

ExtensionImportService now scans the first 20 lines of every CSV before parsing. If line 1 doesn’t look like a transactions header but a later line does, we skip ahead. Heuristic: a header-like row has 3+ non-empty fields and matches at least 2 of these keywords: date, amount/debit/credit, description/payee/merchant, balance/running bal, category. Generic enough to handle any bank with this pattern.

Bank of America added to the extension

bankofamerica.com is now a required host permission alongside Chase/Amex/Citi. The webRequest listener watches all bank URLs on those domains. BoA’s existing preset in ImportPresets.cs (Date, Description, Amount, Running Bal.) handles the format once the summary block is stripped.

The URL pattern is currently loose — once we see a real BoA download URL via the SW console (webRequest catches it), we’ll tighten the regex if needed.

How to update

Click Download on the orange update banner. Also reload the extension at chrome://extensions/ to v0.4.6.

A UX follow-up to v0.5.11. The mapping architecture works, but if you have 8 Chase cards and 12 mystery inbox rows show up as “Browser Extension Inbox (Chase #XXXXX)”, you still have to remember which is which.

What’s new

Each inbox row now shows:

• Bank page title at the moment of capture (e.g., “Chase Freedom Unlimited — Account Activity”)
• Top 3 payees from the captured transactions (e.g., COSTCO GAS · COSTCO WAREHOUSE · STARBUCKS)
• Date range of the batch (Apr 19 → May 21, 2026)
• Transaction count (unchanged)

For most users this means glancing at a row and knowing “oh, that’s my Costco card” without going back to the bank tab.

How it works

• Extension v0.4.3 captures document.title at the moment a blob is intercepted via the blob-hijack path (Amex, Citi). For Chase (which uses the re-fetch path), the existing filename has the last4 already, so page title is less critical there.
• App v0.5.12 stores the title in the transaction’s Source field (alongside bank, bank_account_id) and GetInboxTransactionGroups extracts it for display. Also derives the top-3 payees and date range from each group.

How to update

Click Download on the orange update banner, then reload the GlidePath browser extension at chrome://extensions/ to v0.4.3.

The big architectural fix for multi-card users. Until now, every browser-extension download landed in a catch-all “Browser Extension Inbox” account, and you had to manually figure out which card each batch came from. For users with 8 Chase accounts or 4 Citi cards, that’s untenable.

What changed

Extension v0.4.2 captures the bank’s download URL

A new fetch() hook in the MAIN-world content script watches every API call the bank’s page makes. When a CSV response comes back, the URL of that fetch is paired with the blob. Each bank’s URL encodes its own per-card identifier:

• Chase: ?accountId=12345 query param
• Amex: ?account_key=49C26F7C25DAC13F4EC0226CFC9EE118 (UUID)
• Citi: /accounts/c13cfd58-bd01.../transactions/download (UUID in path)

These IDs are stable per card forever (banks don’t rotate them) — the perfect routing key.

App v0.5.11 maintains a mapping table

New file bank_account_mappings.csv in your data folder. Each row maps (Bank, BankAccountId) to your GlidePath AccountId. The import flow now checks this mapping first, then falls back to last4 matching, then to the catch-all inbox.

One-time setup per card

The first download from each card still lands in the inbox (because no mapping exists yet) — but it lands in a specific bucket with the card’s bank ID encoded in the name. E.g., Browser Extension Inbox (Chase #12345) for a Chase card whose accountId is 12345. When you use the inbox-cleanup tool to assign this to “Chase Freedom Unlimited”, the mapping is saved automatically. Future downloads from that card auto-route directly.

Expected user flow

1. First refresh after upgrade: download CSVs from all your cards. Each lands in a distinct inbox bucket per card. Visit /Accounts, pick the target account for each, click “Move all” — that’s your one-time setup.
2. Every refresh thereafter: blast through bank downloads, walk away. Open GlidePath, everything’s already on the right card.

If you ever close a card and open a new one (new bank-internal ID), the new card needs one more round of mapping. Otherwise: silent forever.

How to update

Click Download on the orange update banner, then also reload the GlidePath browser extension at chrome://extensions/.

If you have multiple cards from the same bank (e.g., 8 Chase accounts), the v0.5.8 inbox cleanup tool was a nightmare — every Chase download collapsed into one “Browser Extension Inbox (Chase)” bucket with no way to tell which card it came from, and the target-account dropdown showed all your accounts mixed together.

This release fixes that across three layers.

What changed

1. Account.Last4 field is now part of the routing match

ExtensionImportService previously matched only by AccountName.Contains(last4), which only worked for accounts whose name encoded the last-four (e.g., CHASE CC x6653). Accounts named Chase Freedom Unlimited or Amex EveryDay — which use the structured Last4 field instead — were ignored. Now the matcher checks Account.Last4 first (strict equality), with the substring match as a legacy fallback.

2. Extension paired with v0.4.1 — pulls the real Chase filename

Chase’s CSV export is server-named Chase{Last4}_Activity_YYYYMMDD.CSV — but chrome.downloads.onCreated fires before Chrome resolves that name, so the background worker was seeing an empty filename and falling back to a generic chase-export.csv. Now after the re-fetch, the background worker calls chrome.downloads.search() to get the resolved filename, then parses last4 from it. End result: most Chase downloads now route directly to the right card.

3. Inbox-cleanup dropdown filters by bank

On /Accounts, the “Re-route extension-import inbox” panel now scopes its target-account dropdown to the bank embedded in the inbox name. Moving “Browser Extension Inbox (Chase)” transactions only shows Chase accounts in the dropdown. Cuts cognitive load by roughly Nx where N is how many banks you use. The dropdown also surfaces the last4 next to each account name when it’s set in the structured field.

What’s still ahead

The Amex and Citi blob-hijack paths still don’t capture last4 — those banks’ URLs use opaque UUIDs and their filenames are generic. The next step (a separate session) is DOM-based detection: have the content script read the bank’s currently-selected card from the page before the download fires.

How to update

Click Download on the orange update banner. After upgrading, also reload the GlidePath browser extension at chrome://extensions/ to pick up the new filename-resolution code.

A correctness follow-up to v0.5.8. When the browser extension imports without a matching last-four, the transactions land in a catch-all account. Previously every bank’s imports landed in the same one (“Browser Extension Inbox”), which meant the bulk-move tool couldn’t distinguish them — moving the inbox to your Citi card would pull in Chase and Amex transactions too.

What changed

• ExtensionImportService now includes the matched preset’s bank name in the catch-all AccountName. New format: Browser Extension Inbox (Chase), Browser Extension Inbox (Citi), Browser Extension Inbox (Amex), etc. When an account_last4 was provided but didn’t match: Browser Extension Inbox (Chase ·1234).
• The inbox-cleanup panel on /Accounts automatically picks up the new groupings — each bank shows as its own row with its own destination dropdown.

How to update

Click Download on the orange update banner.

A natural follow-up to the browser-extension MVP. Imports from Amex, Citi, and any future POST-based bank land in catch-all accounts because we can’t auto-match them by last-four (the URLs use opaque account UUIDs instead). Until this release, the only way to fix that was to edit transactions.csv by hand.

What’s new

• Bulk-move panel on /Accounts — shows up automatically when you have transactions sitting in any catch-all inbox (AccountId=0). For each inbox grouping, pick the target account from a dropdown and click “Move all” — every matching transaction is re-pointed in one save.
• Hidden when empty — the panel disappears once you’ve cleaned out the inbox. No visual noise on a tidy account list.

Behind the scenes

DataService.GetInboxTransactionGroups() returns (InboxName, Count) tuples grouped by AccountName for any transactions where AccountId=0. DataService.RepointInboxTransactions(inboxName, toAccountId) does the actual move — rewrites transactions.csv in place, invalidates the in-memory cache, returns the count moved.

How to update

Click Download on the orange update banner.

A small but persistent annoyance: every time you tweaked the filters on /Transactions and clicked Filter, the page reloaded and scrolled back to the top, forcing you to scroll all the way down again to see your results. Fixed by anchoring each filter form to its panel.

How to update

Click Download on the orange update banner.

Third bank added to the extension, plus a small refactor of the import math to handle a bank quirk that doesn’t fit the standard mapping vocabulary.

What’s new

• Citi credit-card preset — recognizes the Status, Date, Description, Debit, Credit, Member Name header shape and routes imports correctly.
• Multi-column amount summing: ApplyTransactionMapping (used by /Import) and ExtensionImportService.BuildLedgerTransactions (used by the browser extension) now sum across every column mapped to “Amount (inflow)” or “Amount (outflow)” — previously each role was found at most once. This was needed because Citi puts payments as a NEGATIVE value in its Credit column. Mapping both Debit AND Credit to outflow produces amount = -(Debit + Credit), which correctly inverts: purchases become negative (expense) and Citi’s already-negative payments become positive (inflow). No behavior change for existing presets — they map each role to one column.

Browser extension changes

• v0.3.3 of the extension adds Citi to BANK_PATTERNS and a citi.js content-script stub. URL pattern: online.citi.com/gcgapi/.../cbol/accounts/<UUID>/transactions/download.
• Citi exports as Since {Date}.csv with no card identifier in the filename, so imports land in the Browser Extension Inbox account. Re-route once after first import.

How to update

Click Download on the orange update banner, or grab the installer from downloads.glidepathmoney.com.

A correctness fix for Amex imports via the browser extension. Before this release, Amex CSVs were silently matched as Wells Fargo because both exports have Date, Amount, Description columns. The two banks use opposite sign conventions — Amex shows purchases as POSITIVE (the amount you owe), while Wells Fargo / GlidePath expect purchases as NEGATIVE — so imports landed with inverted amounts (purchases showed as income).

What’s fixed

• New American Express preset with Amount → Amount (outflow) mapping, which inverts the sign on the way in. Purchases now correctly land as negative (expense), payments as positive (inflow to card).
• URL-based preset disambiguation: when an import carries a source URL (browser-extension uploads always do), presets tagged with matching UrlPatterns win over header-only matches. Amex is tagged with americanexpress.com; Wells Fargo with wellsfargo.com.
• Header-only fallback unchanged for manual /Import page uploads — no behavior change for users importing CSVs directly from disk.

If you imported Amex via the extension before this release

The 3-ish wrong-sign transactions in your “Browser Extension Inbox” account need to be deleted and re-imported. After upgrading:

1. Go to /Transactions, filter to the Browser Extension Inbox account
2. Find the Amex rows (recognizable by their description format with city/state suffixes)
3. Delete them
4. Re-trigger the same Amex CSV download via the extension — they’ll re-import with correct signs

How to update

Click Download on the orange update banner, or grab the installer from downloads.glidepathmoney.com.

This release is the app-side half of the browser-extension integration. By itself, v0.5.4 doesn’t change anything visible — but once you install the extension (Chrome Web Store submission coming), it can send bank CSV exports straight to your local install without you touching the file system.

What’s new

• POST /api/import-from-extension endpoint — accepts a multipart upload (file + optional account_last4 + optional source_url), runs it through the same auto-detect + dedup-aware import pipeline as the /Import page, and returns JSON with the import result. The endpoint is bound to localhost only, so it isn’t reachable from other devices on your network.

How it works

The extension watches for transaction CSV downloads on supported bank sites (Chase first). When it sees one, it re-fetches the same URL with your session cookies (which never leave your browser) and POSTs the bytes to http://localhost:5000/api/import-from-extension. GlidePath auto-detects the bank format, matches the right account by last-four, and runs your normal dedup + categorize flow.

The actual CSV still lands in your Downloads folder as a backup — if the extension can’t reach your install (app not running, etc.), you can always drop the file into the extension popup manually.

How to update

Click Download on the orange “Update available” banner, or grab the installer from downloads.glidepathmoney.com.

A second pass at the data-disappears-after-upgrade bug. v0.5.2 made the installer launch the app as the user account (not the elevated admin context). That’s necessary but not sufficient — the spawned process still inherits the elevated installer’s sanitized environment, which lacks the user’s persistent env vars.

What’s fixed

• App reads GLIDEPATHMONEY_DATA_FOLDER directly from the user-scope env source (Windows: HKCU\Environment) if the process inherited environment doesn’t have it. The variable is still set at the OS level whenever the user has configured it — Environment.GetEnvironmentVariable(name, EnvironmentVariableTarget.User) reads it from there directly, bypassing process inheritance entirely. End result: even if the installer’s auto-launch hands the new process a stripped environment, the app still finds the right data folder.

Who this affects

Only customers who explicitly set a GLIDEPATHMONEY_DATA_FOLDER env var to override the default %LocalAppData%\GlidePath Money\data location. For everyone else, behavior is unchanged — the default LocalAppData path is used as before.

How to update

Click Download on the orange “Update available” banner in your dashboard, or grab the latest installer from downloads.glidepathmoney.com. Cache is freshly purged; you’ll get v0.5.3 immediately, no waiting.

A small but important bugfix.

What’s fixed

• Installer no longer “loses” your data on upgrade. Previous installers (v0.4.0–v0.5.1) ran with UAC elevation — which is necessary for the firewall + tunnel-service install — and the auto-launch step at the end inherited that elevated environment. For customers using a custom GLIDEPATHMONEY_DATA_FOLDER env var to point the app at a non-default data location, the elevated process didn’t see the user-level env var and fell back to %LOCALAPPDATA%\GlidePath Money\data. Visible symptom: dashboard reported “Welcome to GlidePath Money” after upgrade as if it was a fresh install. Real data was safe the whole time; the app was just reading the wrong folder. v0.5.2’s installer drops privileges back to the user account before launching the app, so the env is correct from the first click.

How to update

Click Download on the orange “Update available” banner in your dashboard, or grab the latest installer from downloads.glidepathmoney.com. The installer detects upgrades automatically and preserves your existing tunnel, license, and data.

A small but high-impact follow-up to v0.5.0. The retirement plan inputs form has ~25 fields, most of which are esoteric for a first-time user — what’s “Pre-retirement return”? Where do I find my “SS at FRA”? What’s a “Solo spending ratio”? This release fixes the overwhelm.

What’s new

• New ”📖 Where these numbers come from” guide at the top of the Plan Inputs tab. Groups inputs by source: retirement balances → log into your 401(k) provider (Fidelity / Vanguard / Empower / etc.), Social Security → ssa.gov/myaccount, pension → your employer’s benefits portal, ACA → healthcare.gov for a real silver-plan quote. Open by default for first-time users; collapses once you’ve gathered everything.
• Richer inline hints under cryptic fields. “SS / month” now says “benefit at FRA from ssa.gov/myaccount” with a direct link. Return assumptions explain the defaults (6-8% pre-retirement, 4-6% post-retirement, 12% volatility, 3% inflation — and what those numbers represent). Annual spending shows the 70-85%-of-current rule of thumb. Pension explicitly notes “0 if you don’t have one.” ACA benchmark links to healthcare.gov/see-plans.

How to update

Click Download on the orange “Update available” banner in your dashboard, or grab the latest installer from downloads.glidepathmoney.com. The installer detects upgrades automatically and preserves your existing tunnel, license, and data.

A significant UX release. The retirement planner now helps with the questions customers actually have (“Am I on track? Which changes would move my odds the most?”) in plain English, supports single-person households as a first-class case, and is organized so you can find what you need without scrolling for a mile.

What’s new

• Peer-comparison anchors. New “Are you on track for age X?” panel on /Retirement uses Fidelity’s published savings-multiple benchmarks (1× income by 30, 3× by 40, 6× by 50, 8× by 60, 10× by 67) and tells you exactly where you stand vs. the curve. New “Stanley-Danko net-worth benchmark” on /NetWorth uses the Millionaire Next Door formula — (age × income) ÷ 10 — and labels you as Prodigious / Average / Below Average / Under Accumulator with a one-word status (Excellent / Good / Catch up / Far behind). Both anchor your raw numbers against something meaningful.
• Single-person mode. New Household type toggle on /Retirement (Joint or Single). Toggling to Single hides all spouse fields, switches the tax math to single-filer brackets ($14,600 standard deduction, harsher brackets than MFJ), suppresses the Spousal & Survivor panel entirely, and adjusts the ACA FPL base from 2-person to 1-person. The planner is now genuinely usable for single, widowed, and divorced households — not just married couples.
• “What would help most?” lever analysis. After the Monte Carlo runs, GlidePath now re-runs it with each of four levers individually applied (increase 401(k) contributions by $2,000/yr, delay retirement by 1 year, cut planned spending by 5%, delay Social Security claim by 2 years) and surfaces the biggest improvement to your success probability. With reasoning, not just a number. Three other ranked levers under “Other levers worth considering.”
• Plain-English narrative summary. New paragraph at the top of /Retirement synthesizes the math into a one-paragraph human read: where you stand (strong / workable / concerning), your biggest single lever, and your Tax Valley opportunity. Generated from your numbers, not boilerplate.

A better page layout

• /Retirement is now tabbed. The narrative summary + 4 headline stat-cards (Success Probability, Median Nest Egg, Median Final Balance, Funds Last Until) stay visible as your “vitals” no matter what. Below that, 5 thematic tabs split the rest: Overview (peer benchmark + biggest lever), Social Security (claim scenarios + spousal/survivor + retire-vs-claim strategy), Tax & Health (Tax Valley + ACA bridge), Projections (portfolio chart + milestones + year-by-year), and Plan Inputs (the editable form + 401(k) details). Each tab now fits on one screen.
• /NetWorth got the same treatment. Three tabs: Overview (benchmark + multi-year trend), Movers (by-account-type + biggest movers this month + 12-month movers), All accounts (the full per-account table). Vitals row stays at the top.
• Deep-linkable. Each tab updates the URL, so app.glidepathmoney.com/Retirement#tax opens straight to Tax & Health. Back/forward buttons work.

Quality of life

• Installer upgrade is smoother. Previous versions could hit a “Setup was unable to automatically close all applications” dialog mid-upgrade because the running GlidePath process didn’t have a main window for Windows’ restart manager to talk to. v0.5.0’s installer now stops the running process itself before file replacement. One-click upgrades from this release forward.
• New “Annual household income” input on /Retirement powers both peer benchmarks. Unset = the benchmarks politely nudge you to set it; set = the benchmark cards populate automatically.

How to update

Click Download on the orange “Update available” banner in your dashboard, or grab the latest installer from downloads.glidepathmoney.com. The installer detects upgrades automatically and preserves your existing tunnel, license, and data.

The biggest functional release since launch. Two headline features and a polish pass.

What’s new

• Email inbox. Forward your bank’s transaction-alert emails to a private inbox address (e.g. [email protected]) and the transactions auto-appear in /Transactions within ~5 minutes. Setup recipes for Chase, Bank of America, Discover, Citi, American Express, and Capital One live on the new /EmailInbox page under Setup. The parser discards the email body the moment it extracts the transaction details — local-first holds.
• One-click backups. New /Backup page: one click to .zip your entire data folder; one click to restore from any prior backup. Restore automatically takes a “pre-restore” safety snapshot first, so you can’t accidentally clobber newer data by restoring an older zip. Drop the backups/ folder into OneDrive, Dropbox, or Google Drive for continuous off-PC mirroring.

Improvements

• Friendlier file imports. /Import shows visual feedback during drag-drop and detects which bank’s CSV format you’ve dropped before you click Upload.
• No more black console window at startup. The app now runs as a Windows GUI process — internal logging still works, it just doesn’t pop a visible terminal.
• FAQ refresh. New entries on /help: “Do I have to drop Simplifi or Monarch to use this?”, “How do I back up my data?”, and “What if you go out of business?”.

Under the hood

• The installer writes license.json to your data folder so the app knows its own identity at startup (used by the email-inbox poller and the EmailInbox UI).
• New internal API endpoint speeds up our turnaround when investigating email-parsing edge cases.

How to update

Click Download on the orange “Update available” banner in your dashboard, or grab the latest installer from downloads.glidepathmoney.com. The installer detects upgrades automatically and preserves your existing tunnel, license, and data.