What’s new

Nothing is written until you have seen where it goes

Importing used to be a leap. You picked a file, and the ledger changed.

1.25 puts a review step in front of every import, and the review is the honest part: it shows the accounts your files describe, the rows headed for each one, and what will change — before anything is written. You can bring in several files at once, or point GlidePath at a folder and let it stage what it finds. Multi-account files get an account review by default rather than an assumption.

Three details worth knowing, because they were the actual defects:

• Rows go to the account the file names. If an export carries an account column, that column decides the destination — not the order the accounts happened to be listed internally. The review then names the destinations the rows really landed in, rather than echoing back the names the source file used.
• A refusal tells you the truth about what was kept. An import that declines part of a file no longer claims nothing was saved while it is in fact holding new accounts for you to classify. If a file is damaged, the cleanup says so instead of quietly dropping the handle.
• Accounts arrive unclassified rather than guessed. When routing creates an account, it comes in unclassified, and the sections that let you classify it are opened for you. GlidePath asks rather than infers.

A plain three-column export is read the right way round

This one is worth a minute, because it could put the wrong sign on real money.

Several banks export the same three columns — Date, Description, Amount — and two of the built-in profiles declared exactly that shape. Nothing inside such a file can tell them apart, so GlidePath used whichever profile happened to be listed first. One of them treats the amount column as money going out. A plain signed export could therefore come in with every sign reversed: your paycheck as an expense, your groceries as income.

1.25 refuses to guess. When two profiles fit a file equally well and they disagree about direction, GlidePath asks you to map the columns rather than choosing for you, and a plain signed amount is read as signed.

If you imported a three-column CSV into an earlier version and the signs looked backwards, that is exactly what happened — the same reversed numbers were in the preview and in your ledger. Open Import and look through the import ledger for that file. Use Undo this import on each entry for it — each one removes only the rows that came from that import, so if you brought the same file in more than once, undo each of them — then bring the file in again.

An interrupted import finishes, or it undoes itself

Machines sleep, windows close, and files get pulled out from under a running import. Previously that could leave a ledger half-changed with no clear way back.

1.25 makes an import a single unit of work. If one is interrupted, GlidePath completes it on the next launch or rolls it back — and while it is unresolved, the money surfaces stay closed rather than showing you a ledger that is midway through changing. Merging two accounts, or splitting one apart, is covered by the same guarantee, and a merge interrupted partway through is finished at the next launch instead of leaving the app refusing to open.

The formats, and what they actually promise

• OFX/QFX activity import — the download format most banks offer beside CSV. Whether each amount counts as money in or money out comes from the file’s own parser rather than being guessed from a column, that rule is fixed rather than re-decided per file, and you confirm the destination account before the import runs.
• 19 guided presets for common exports, including a Quicken Classic register CSV that is recognised on sight — GlidePath spots the column shape and works out which way each amount runs, rather than asking you to work out which column means what.
• Readable-text PDF statements — statements whose text is already text. GlidePath maps the columns it is confident about and hands you the rest as a captured or manual step instead of inventing numbers. Scanned or photographed statements are not supported in this release.

Two things a new install was missing

Both were found by someone setting GlidePath up for the first time, which is exactly where they were invisible to us.

• A new install starts with a usable set of categories. A fresh install used to begin with three, so every category dropdown was nearly empty and looked broken. New installs now start with the full starter set. If your install predates this, GlidePath offers the same set as a single button, and it never touches a category list you have already curated.
• You can get rid of an account. On Accounts, closing one keeps every transaction and balance, hides it from your accounts table, net worth and import pickers, and can be undone whenever you like. Deleting is offered only when nothing at all points at the account; when records exist, GlidePath names what they are and offers to close it instead of destroying history.

Figures that were describing the wrong thing

• Top merchants are merchants. Moving money between your own accounts, and paying a credit card, are not spending. They no longer appear in the merchant list, so that list and the category table above it finally read the same rows.
• What your next dollar of profit costs, on the Business page, now compares like with like. The salary line carries your share of Social Security and Medicare, so it can sit beside a Schedule C dollar that already carries self-employment tax, and the 20% qualified business income deduction — the break many sole proprietors get on business profit — is folded in where it applies. The comparison used to overstate the gap between the two by a wide margin.
• Caveats sit where the number is. Cash Flow names the business-owned rows it leaves out of the household plan instead of leaving two income figures unexplained on one page, and the retirement figure on the home page carries the note about tax on traditional withdrawals that used to sit far below it.

Each page says one thing

A pass across the app removed repetition rather than adding to it. Retirement, Business, Reports and Decision Studio had grown to state the same figure several times on one screen, and to narrate themselves while doing it. Each now leads with one statement and one place to work, and the supporting evidence stays available without being restated. Accounts folds its per-class management tables behind a single Manage accounts disclosure, and a link pointing into a folded section opens it rather than landing on a closed panel.

Business accounts say what they are

A business account’s kind decides whether its balance reads as money you hold or money you owe — the difference is worth twice the balance on your business cash position. GlidePath used to infer that from the account’s name, which works until it doesn’t: a merchant cash advance and equipment financing are both borrowing, and neither word says so.

Now you pick the kind from a bounded list when you create the account, an existing account’s kind can be corrected rather than only set at creation, and a converted account keeps both its structured role and the detail you had written about it. The import writer uses that same vocabulary, so an imported business account arrives with a role rather than a guess.

Goals that measure what you actually did

A cluster of corrections, all the same shape — the number should describe your behaviour, not the arithmetic that was easiest:

• A debt-payoff goal measures principal, not gross payments, so interest no longer reads as progress.
• Card payments count toward a payoff goal’s pace.
• Contributions into a retirement account count toward a goal funded from it.
• A goal past its target date stops claiming a month still remains, and stops asking you to add a target date it already has.
• A goal with no account behind it reports itself unmeasured rather than funded, and a partial balance no longer counts as progress.

Smaller notes

• A third theme. Glide Green joins Latte and Warm Espresso under Display. It is opt-in — nothing changes unless you pick it.
• A new app icon: the arrow mark on a copper-over-green tile, on the app and the desktop shell alike.
• Money State reads as a brief. The chaptered layout walks state → change → consequence rather than presenting a wall of figures at once.
• A different home, if you want one. Under Display, Glide preview replaces the home page with a single picture of the month: what your recurring plan commits, what is held back — your reserve cushion or any obligations already dated, whichever is larger — and what is left to direct, which is planning room rather than a green light to spend. The workings behind each figure are one click away. It is a preview and it is opt-in: Classic stays the default and is unchanged.
• On a phone, navigation is back where you can reach it, focus lands inside the drawer rather than behind it, and a ledger row is two lines instead of five.
• Printing was quietly broken in places and is fixed: projection tables keep every money column on paper, hero headlines no longer print white-on-white, the Espresso theme prints legibly, and today stays findable on a printed calendar.
• Invoices hand off to your mail client with the PDF already attached, and an invoice that fails to write now says so instead of reporting itself saved.
• A feature explorer and help guides let you scan what GlidePath does rather than scroll it.
• Renewal is opt-in. When your maintenance period ends you choose whether to extend it — nothing charges automatically.

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As always, GlidePath Money is an educational planning tool, not personalized financial, tax, investment, legal, or accounting advice. This release changes how your records get in and how clearly you can see that — it does not file returns, calculate final tax, or replace your preparer’s judgment. Your financial data stays on your machine by default. Every import path in this release reads files you already have, on your machine — no bank-login aggregator, the kind an auto-syncing finance app uses to hold your credentials and history, sits between you and your bank. What does leave this machine is named where you turn it on: the licence and update checks, and opt-in features such as the AI explainer.

A guided path to accountant-ready

Getting a side business ready for a tax preparer used to mean staring at a long checklist. GlidePath now walks it with you in four steps: the Schedule C header facts (the business-name-and-method questions at the top of the form), whether all income made it into the ledger, which categories map to which expense lines, and what remains open. You see the one item marked “Do now,” with the remaining checks collapsed until you want them — not a wall of items.

Two details:

• The lines match the year. The IRS moved things around on Schedule C for 2025 — the “other expenses” line and the energy-efficient commercial buildings deduction swapped positions. GlidePath now labels each mapped category with the line that is correct for the tax year you are preparing, and a category mapped to a line that does not exist for that year is surfaced as unmapped instead of silently dropped.
• Income reconciliation respects how 1099s overlap. The 1099-K a payment platform sends can cover the same dollars as a client’s 1099-NEC, so GlidePath deliberately does not add the forms together and call the total your income. It asks whether the forms you received are reflected in your records — and flags the mismatch cases a preparer will ask about anyway.

The Accountant Pack now carries the whole ledger

The exported pack now carries your detailed business ledger — every business transaction for the year, labeled with its Schedule C line and the account it came from — plus a manifest of open items: the inputs you have not filled in yet and the situations GlidePath deliberately leaves to a professional, each stated plainly so your preparer knows what they are getting and what still needs a conversation.

GlidePath never asks for your EIN (your business’s federal tax ID) or Social Security number — the pack includes instructions for handing those to your preparer through a channel you control instead of a file that travels by email. And every file in the pack passes through a redaction step on the way out that catches tax IDs in the formats they usually appear in — dashed, spaced, labeled “EIN” or “Tax ID,” even pasted from a document with typographic dashes — and replaces them with “[REDACTED TAX ID]” instead of your number.

The readiness status you see in the app and the status printed in the pack come from the same calculation, so the status printed in a pack always matches what the app showed when you exported it. The status says “ready for accountant review” when everything supported is in place — preparing the handoff is the job; filing the return stays with you and your preparer.

Your net worth line grows on its own now

Record your balances each month — that is all. The net-worth trend on the Net Worth and Trends pages, and the glide-path strip at the top of the Overview, Retirement, and Statement pages, now gain a point every month from the balances you have recorded. Households that imported history from another tool keep their deep past; households that never imported finally see their line take shape. The chart’s newest month ties out to the live net-worth headline beside it, so the picture and the number agree.

Smaller notes

• The privacy policy now names the ad-conversion signal on the download page: if you arrived from a Google ad, clicking download sends Google Ads a conversion event so we can learn which searches lead to downloads. The tag never sees anything from the app — not your files, transactions, or balances — and the updated policy asks for a fresh acceptance on first launch.

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As always, GlidePath is an educational planning tool, not personalized financial, tax, investment, legal, or accounting advice. This release makes the Schedule C handoff to a professional organized and explicit about what’s still open — it does not file returns, calculate final tax, or replace your preparer’s judgment — and it keeps your financial data on your machine — no bank feeds, and the app stores none of your numbers in the cloud.

See what you’ve paid yourself

For a household with Schedule C income, the money you draw out of the business is not a business expense and not quite ordinary pay — and it is easy to lose track of. GlidePath now shows your owner’s draw for the year, decomposed so you can see where it came from, and read against a steady-month pace so an unusually large or small month stands out on its own.

The set-aside math that rides alongside it is quantized to the cent, so the figure you plan against matches the figure you would actually move. This is planning support, not bookkeeping or a filed return: it shows and organizes what you have drawn — it does not reclassify it, run payroll, or decide your compensation for you.

Getting a side business set up is faster

New this release is a Schedule C first-run quick start that leads with the side-business path. You can explore the Business area on an example household before entering a single real number, then set up your own with less guesswork about where each figure goes.

The everyday numbers are more trustworthy

Above all, 1.23 is a correctness pass on the surfaces you look at most:

• Paying down a credit card reads as progress. A card paydown now moves your net worth in the right direction on the home page instead of showing as a loss — and a business-account swing no longer moves your personal net-worth headline, which counts your household, not the business.
• The net-worth trend chart says only what it can show. The page no longer promises a month-over-month trend it cannot yet build; the copy now matches what the numbers actually reflect today.
• Getting your data out survives the messy cases. An export no longer breaks on a stray spreadsheet byte-order mark, a client id that differs only by letter case, an invoice you made recurring, or a client name left blank.
• Two PDFs at once stay legible. Generating two documents at the same time no longer strips each other’s selectable text.
• A saved edit shows up right away. A change made while a page is loading no longer stays invisible until you restart, and editing your account-label mapping file takes effect without a restart.

Smaller improvements

• Business settings now match their stored keys the same way whether they are being read or written.
• Keyboard and screen-reader handling across dialogs and overlays received a focused pass.
• The purchase terms on the checkout screen are stated in plainer language — what you are buying, how refunds work, and how a dispute is handled.
• The email-into-the-app intake path has been retired; importing your files and the browser extension remain the ways to bring statements in.

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As always, GlidePath is an educational planning tool, not personalized financial, tax, investment, legal, or accounting advice. This release adds owner’s-draw visibility for the side business and spends the rest of its weight making the numbers you already rely on more trustworthy — without adding bank feeds, cloud custody, tax filing, or payroll.

Your side business now belongs in the household plan

The Business area now carries more of the real work between a transaction and the accountant conversation. Owner’s draws are tagged and reflected without pretending they are Schedule C expenses. Credit notes can record returns, discounts, and write-offs without inventing cash. Receipt coverage shows what is ready for the accountant pack and what still needs evidence.

Estimated-tax planning now includes an opt-in 90%-of-current-year safe-harbor view and a set-aside signal. Schedule C can prefill the business calculators, vehicle depreciation uses an explicit vehicle class, and federal deadline handling covers the observed holiday shifts. The accountant pack brings together the Schedule C summary, mileage, vendors, assets and depreciation, home-office support, quarterly payments, and the limits a preparer still needs to resolve.

This is planning and preparation support — not bookkeeping, tax preparation, or a filed return. Accrual and inventory accounting, payroll, bonus depreciation, depreciation recapture, and situation-specific filing judgments remain outside the promise.

Transactions, budgets, and reports work like workbenches

The transaction register is now an audited working surface: search, filter, sort, inspect evidence, and move between the number and the records behind it. Budgets are month-native instead of a loose annual layer, with clearer actuals, carry behavior, persistence, and month boundaries.

The navigation now puts the working tools first. Saved reports keep useful views locally, evidence links preserve the route back to source records, and the demo household’s dates move with the calendar so examples remain coherent instead of aging into misleading history.

Budget actuals also received a trust-boundary pass: transfers, card payments, and income reversals no longer pollute spending; invalid or out-of-range months fail closed; and month-bounded evidence routes cannot silently drift into a different period.

A sealed household Vault for the person who may need it later

The household Vault now has a survivor-first path. The owner can create a Recovery USB and Survivor Sheet with the kit code and family passphrase a trusted person will need. Opening the sealed Vault requires all four recovery gates and stays read-only, so the survivor can find the continuity information without entering the owner’s normal app or changing the financial record.

A kit-replacement flow retires an older recovery identity when a new kit is created, while quick refresh preserves the connected kit’s identity. The continuity checklist is deliberately neutral: it summarizes active subscriptions and open accounts already in GlidePath instead of inventing legal instructions or a new source of truth.

Planning math and boundaries received a full audit pass

The tax and retirement engines were rechecked against primary sources and hand-derived examples. The release corrects capital-gain netting and NIIT limits, state tax on realized equity gains, the flat $200,000 Additional Medicare withholding threshold, retirement depletion parity, balance-transfer fee baselines, and the single-household ACA bridge guard.

The results now state more of their important boundaries where the number appears: Tax Valley names capital-gain stacking and later-year Social Security threshold drift; Social Security names the earnings test, current trust-fund projection, and survivor-election limits; disability coverage names benefit-tax and omitted-resource limits; balance-transfer tools distinguish true 0% promotions from deferred interest and other-card balances; and ACA planning names eligibility, unmodeled income, Form 8962 rounding, advance-credit repayment, and future-law limits.

Smaller improvements

• Personal-page demo rendering now has broad smoke-test coverage.
• CI artifacts expire sooner after they have served their purpose, reducing storage churn.
• The personal-file encryption migration covers more gateway-written folders and named files.
• Accounts and balances have a first-class view instead of living only inside other workflows.
• Invoice credit notes and business receipt checks are visible in the work rather than hidden in exports.

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As always, GlidePath is an educational planning tool, not personalized financial, tax, investment, legal, or accounting advice. This release connects more of the side business to the household plan, strengthens the everyday money workbenches, and makes the survivor handoff more usable — without adding bank feeds, cloud custody, tax filing, payroll, inventory accounting, or automatic official-record changes.

The app opens with your Money State

The home screen now leads with a dated brief built from your own files: the period it covers, how fresh the data behind it is, and four plain sections — what changed since your last close, one open decision, what’s safe to ignore right now, and the receipts behind the whole read.

Every line says where it came from. Changed-since lines anchor to your last archived close and only draw on sources that actually moved — successful imports and Action Queue items — and the section drops anything it can’t back. The One Decision section shows when the item is due and what clears it, and the decision stays yours. Safe To Ignore explains why each quiet item is quiet, with the threshold it’s judged against, and counts how many more quiet routes there are than it shows.

Close the month. Keep the record. Be done.

When the month is read and any decision is recorded (or given a dated skip the archive will show), The Close archives the brief exactly as it stood — changed, quiet, and decision lines plus close facts like the runway at close — into a plain file you can open. Re-closing a month appends a new record instead of rewriting history, and every past close stays browsable. A completion mark records that you closed; it is not a streak score.

The echo forward

After a close, the Money State header can carry a future echo: your liquid runway — how many months current cash could cover planned outflows — modeled by the same math that runs Fire Drills, with the assumption sentence kept visible and the comparison anchored to the runway your last close recorded. It’s a modeled figure to think with, not a prediction.

Fire Drills and follow-through

A new Fire Drills page rehearses two situations from your real cash-flow and balance facts: all planned income pausing for 60 days, and a surprise $2,000 bill. Each drill shows what it counted, keeps your protected floor visible, and says plainly when its inputs are incomplete or its balances are old. You can also leave yourself a one-time note — “after my next import lands, check…” — and the Action Queue will surface it only once newer data actually exists.

A faster first session

Setup now opens with two doorways. Start with one file — a bank CSV you already control can produce the first read in minutes — or enter two or three current balances by hand and go straight to your first Money State. Prefer to look around first? One click loads a clearly labeled fictional demo household, and the label stays visible until you exit. Everything beyond that minimum is labeled by what it sharpens, not required.

Card perks, tracked against the fee

A new perks tracker keeps each card’s benefits next to its annual fee: log a perk when you use it, see posted value against the fee for the year, and perk items land in the Action Queue only when a real perk window is involved.

The app quiets what doesn’t apply

GlidePath now infers basic household shape from the evidence in your files — and uses it to keep irrelevant prompts out of your way. No mortgage in your records? Loan prompts don’t lead. W-2 payroll only? Business tax prompts stay quiet. Each quieting decision is visible in the Trust Center with the evidence behind it.

Quieter fixes

• With at-rest encryption on, equity records (grants and vesting history) now run on the same local database engine as the rest of your data — read only when it matches your plain files exactly.
• Import screens explain each file format before you commit anything, and the promise on the import doorway is explicit: your data stays yours; GlidePath’s value is helping you understand it.
• The Fire Drills freshness notice now says exactly what old balances do: good reads are capped at review until fresher balances land.
• Heading structure and mobile tab order were tightened for screen readers and keyboard use.
• The app no longer opens a browser tab on launch unless you ask it to.

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As always: your financial file stays on your computer by default. This release adds the Money State brief, the monthly close and its archive, the modeled runway echo, Fire Drills, faster first sessions, the perks tracker, and household-aware quieting — it does not add bank feeds, online payments, cloud statement conversion, production sync, push notifications, or automatic official-record filing.

Your personal side runs on the same verified engine now

In 1.19 the business side started keeping its records in a fast local database alongside your plain files — and only ever reading from that database when it could verify, field by field, that it matched your files exactly. 1.20 brings that to your personal side: accounts, balances, transactions, holdings, and retirement inputs.

It’s the same careful arrangement — and, like the rest of GlidePath’s at-rest encryption, it comes into play when you’ve turned encryption on; with encryption off, your personal side reads straight from your plain files exactly as before. Either way, your plain files stay the source of truth: GlidePath reads from the local database only when it matches those files exactly, and any mismatch falls straight back to the files. Nothing about how you enter or export your data changes — the one-click export is exactly where it was, and none of this sends your data anywhere.

Your 401(k) history encrypts at rest now

If you use GlidePath’s at-rest encryption, your 401(k) quarter history now encrypts along with the rest of your data, so it’s covered by the same protection as everything else on disk. Nothing changes if you don’t use encryption — your files stay exactly as you keep them.

Decision Studio: spending and savings what-ifs

Decision Studio can now show how spending a little more or less, or saving a little more or less, changes the long-term picture — alongside the retire-and-claim comparisons it already runs. It holds your saved plan steady and varies one lever at a time, running the same projection the app already uses. It’s a modeled comparison to think with, not advice.

Quieter fixes

• Business mileage totals now read correctly from the local engine even when your mileage is a whole number.
• On Windows, a stray blank browser tab could open on launch — that’s fixed.
• Small polish across the home-screen signals and the phone layout of the opening statement.

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As always: your financial file stays on your computer by default. This release extends GlidePath’s local-database engine to your personal side for encrypted setups, adds Decision Studio what-ifs, and includes smaller fixes — it does not add bank feeds, online payments, cloud statement conversion, production sync, push notifications, or automatic official-record filing.

The home screen is a statement now, not a wall of cards

GlidePath used to open onto a grid of cards and ask you to scan all of them. It now opens as one financial statement you read top to bottom:

• A glide path across the top — your net worth so far and a modeled range of where the plan is headed, drawn from the same retirement projection the app already runs. It’s an estimate, not advice, and it only appears once you’ve given the plan enough to work with.
• One plain-English line — the single thing worth reading today, written as a sentence, with the numbers behind it shown as a receipt you can trace back to their source.
• A house beside it, where a room’s window is lit only when that room needs you. Quiet data means a dark house. Nothing to chase means nothing lit.
• The latest rows from your ledger, so the statement ends where your money actually moved.

Nothing here is new math. It’s the numbers GlidePath already computed, arranged so the first thing you see is the thing worth seeing.

Every page opens as a room

The same idea runs through the whole app. Each page now opens with a one-line read in plain English — what this room is showing you right now — and keeps the deeper controls one step down instead of all at once. A quiet in-room tab strip gets you around without hunting.

Retirement is the clearest example: its glide path is now visible the moment you arrive, at rest, instead of hiding behind a button. The full year-by-year projection and the inputs are exactly where they were, one click away.

Print the statement

There’s a new printable statement: the same opening read — glide path, the narrated line, the house, your latest rows — laid out as a clean document you can save as a PDF straight from your browser. It’s built locally from the file already on your computer; nothing is uploaded to make it.

A sturdier engine under the same plain files

Under the hood, the business side of GlidePath now keeps its records in a fast local database as well as your plain files — and it only ever reads from that database when it can verify, field by field, that it matches your files exactly. Any mismatch and it falls straight back to the files.

Your data is still plain files you can open, read, and export at any time. That is the promise, and this release keeps it: the files stay the source of truth, the one-click export is unchanged, and nothing about your data left your machine to make any of this happen.

Quieter fixes

• Business tax rate and cadence now save on the first try, even before the settings file exists yet.
• Data Health now flags duplicate business-month rows, so a hand-edit that repeats a month can’t quietly understate your totals.
• The home-screen file count now counts exactly the files in your export, nothing internal.

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As always: your financial file stays on your computer by default. This release is a redesign and a local storage upgrade — it does not add bank feeds, online payments, cloud statement conversion, production sync, push notifications, or automatic official-record filing.

Quote the work, then invoice it

Estimates now live beside invoices, with their own statuses and PDFs. When a client accepts an estimate, GlidePath can turn it into an invoice without making you rebuild the same lines by hand.

Invoices also handle more real-world follow-through: partial payments, overdue aging, deposit-match reminders, and recurring templates that create local Draft invoices when repeat work comes due. Nothing is sent automatically. The app prepares the record; you stay in control of the client-facing step.

Keep clients and statements close to the receivables

The invoice page now has a small client list for bill-to details, grouped history, and cleaner follow-up. Client statement PDFs show invoice charges, payment rows, totals, and running balance from the records already in your local invoices.json.

The handoff exports are stronger too: invoice register CSV, A/R aging CSV, business-account ledger CSV, and the full accountant pack all sit near the work they describe.

A Business cockpit for the next useful check

The Business page now opens with a clearer cockpit instead of asking you to scan every panel at once. It watches for practical local checks: overdue or missing due dates, paid invoices that still need a matching business-income deposit, accepted estimates ready to invoice, recurring drafts due, Schedule C mapping gaps, 1099-threshold vendors, and optional log prompts.

If the business records are quiet, it stays quiet. If something needs attention, the lead check points straight to the next place to work.

Local reports for a small-business month end

Business reports now pull the common owner/bookkeeper questions closer to the records: revenue, expenses, sales-tax context, client grouping, and exportable report packs built from local GlidePath data.

This is still not a double-entry general ledger, payroll system, online payment rail, or client portal. It is the practical layer a service business needs before tax time: what came in, what went out, who owes money, what needs proof, and what your accountant should review.

Turn supported statements into rows you can inspect

When GlidePath can read a captured PDF statement, the review page now lets you export the parsed rows as CSV or Excel before importing anything into the ledger. The file is built locally from the PDF already on your computer. There is no cloud converter upload, and nothing is saved unless you choose to import selected rows.

The reader still says when a statement layout is unsupported or when printed totals do not reconcile. That warning is part of the feature: a spreadsheet is useful only if the app stays honest about how confident it is.

Data-safety hardening

Several quiet import and storage fixes landed under this release:

• Identical real charges can survive import deduping while true re-import duplicates still collapse.
• Money parsing now fails closed instead of silently turning malformed amounts into $0.
• CSV writes share one serialization path so concurrent saves do not race each other.
• Legacy migration refuses encrypted source files it cannot safely migrate.
• Key-bearing preference writes are flushed more durably.
• PDF review rejects rooted, traversal, and alternate-data-stream style filenames.

These are not flashy changes, but they are the kind that keep a local ledger trustworthy.

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As always: your core financial file stays on your computer by default. This release adds local business depth and local export paths; it does not add bank feeds, online payments, cloud statement conversion, production sync, push notifications, or automatic official-record filing.

Keep the proof with the record

Invoices can now carry local supporting files: receipts, purchase orders, signed approvals, job photos, client email exports, and other everyday proof. The invoice keeps the attachment list with the rest of its local records, while the files stay in your GlidePath data folder.

The invoice queue and search now show when proof exists, and the invoice register export includes attachment names and counts for accountant handoff. Removing an attachment or deleting an invoice also removes the stored local file.

See what changed

Reports now opens with a short “what changed” recap built from the same local ledger facts already used elsewhere in the app. It calls out the main movement, shows the evidence line behind it, and points to one useful place to inspect next.

The goal is not a new forecast or advice layer. It is a calmer way to answer the question people actually bring to the app: what moved since I last looked?

Trust the ledger faster

Data Health and Trust Center now share one operational trust view. Instead of asking you to hunt through separate proof cards, GlidePath now summarizes what looks trusted and what needs review across ledger confidence, import freshness, backups, data warnings, invoice proof coverage, file-intake boundaries, and AI/network boundaries.

This is still local-first evidence, not a cloud audit. It is there to make the state of the file easier to read before you rely on it.

Start with the path that fits today

For a new file, setup now asks what you want to do first: type a few balances, import a file, explore fictional demo data, check the Trust Center, or start from small-business records. The choices are meant to reduce the blank-page feeling without pretending there is one perfect way to begin.

The setup copy is also clearer about the boundary: no bank passwords are required.

A ledger that feels reviewed

Transaction rows now carry a more distinctive local identity: deterministic monograms, flow cues, recurring-bill treatment, and accessible row labels. Transaction Health also supports more close-the-loop work, including category consistency, imported-label confirmation, and transfer-noise cleanup.

The rows still come from your local records. The improvement is that the ledger is easier to scan, easier to review, and easier to trust as a working record.

Smaller improvements and fixes

• Added the S-corp what-if capstone to the tax-planning set.
• Fixed a debt-payoff cliff-balance edge case.
• Tightened date-sensitive tests and release checks behind the scenes.
• Retired old bridge-request plumbing that is no longer part of the product path.

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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 notices what matters next

The Overview now starts with a calmer signal digest: a few room-level cards that explain what changed, why the card appeared, and what local data will make it clear. It is not a feed of nagging alerts. It is a short “start here” layer built from facts already in your file.

Under that, GlidePath now keeps a local Household Basics layer. It learns plain facts like income cadence, institution roles, and account coverage from imports and setup work, then uses that context to improve Signals, Import Center, Ask Glide, and onboarding without sending your financial file to a cloud service.

Tax planning with receipts

This is the deepest tax release so far. GlidePath now adds dedicated planning surfaces for:

• Schedule SE self-employment tax - Social Security and Medicare tax estimates for self-employment income, including the additional Medicare-tax threshold context.
• QBI deduction estimates - a Form 8995-style planning view with taxable-income phaseout context and visible limits.
• Backdoor Roth pro-rata math - Form 8606-style basis, pre-tax IRA balance, taxable conversion share, and caveats before tax season.
• Solo 401(k) / SEP maximizer - employee deferral, employer contribution, catch-up, annual plan limit, and self-employed contribution receipts.
• HSA contribution planning - self-only or family limit, age-55 catch-up, contribution room, marginal-rate tax value, and long-term growth illustration.
• Tax-loss harvesting scanner - taxable lots only, wash-sale risk flags, ordinary-offset room, carryforward estimate, and conservative exclusions.

These are estimates, not tax advice or filing instructions. The important change is that each one is built to be reviewable: the inputs, formulas, limits, and caveats sit close to the result so a CPA can challenge the number quickly.

Coverage gaps without a sales funnel

The Household Ready insurance room now includes life and disability coverage-gap estimates beside the policy inventory. The life estimate starts with income replacement, debts, and future goals, then offsets liquid assets and existing coverage. The disability estimate compares essential monthly expenses with after-tax benefit.

It does not quote, sell, rank, or choose insurance products. It is there to help the household see whether a planning conversation belongs on the calendar.

Cleaner proof paths for first-time reviewers

The marketing site now has dedicated pages for the new tax and coverage tools, and the app’s premium polish pass tightened the first impression around Signals, Import confidence, Decision Studio, and the CPA-facing proof trail.

The goal is the same one GlidePath keeps moving toward: the complexity stays available, but you do not have to live inside it.

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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 Glide Path

Your retirement picture is now The Glide Path — one signature view of where you stand against where you’re headed. It reads back, in plain language, whether you’re on the glide you set, and the new “what moves the needle” panel ranks your levers — saving more, working a year longer, spending less, claiming later — by how much each one actually shifts the outcome, using the numbers already in your plan. Equity and RSU grants show a value receipt too: what’s vested, what’s still to come, and the math behind each, kept separate from the tax estimate. It’s a clearer read of the same honest math, not a new set of assumptions.

And if you’re aiming to retire before 65, The Glide Path now sizes up the health-coverage bridge to Medicare — the years before government coverage kicks in. It shows what the gap could cost out of pocket, the premium tax credits (the ACA subsidies that lower a Marketplace plan’s price) that might offset it, and how a Marketplace plan compares with COBRA, each with a link to the official source. Same honest math, pointed at the stretch where coverage usually gets expensive.

A budget that looks ahead

Your cash-flow plan used to tell you about the month behind you. Now it looks forward. A runway shows how the plan holds up between now and your next income — protecting the greater of your reserve or the bills actually due, and counting money you’ve already set aside as progress, not as spending you’re free to do. A money-map in Reports traces every dollar from income to where it lands, and each lane links back to the row behind it. When your imports go stale, the plan says so and points you to what to refresh, rather than quietly guiding you off old data. And once you’ve reviewed your transactions, an actual-vs-plan read shows where the month is really tracking — no “safe to spend” number, just an honest comparison you can act on.

Every number shows its work

A number you can’t trace is a number you can’t trust. So across the app — Overview, Reports, Credit, Holdings, Loans, Cash Flow — the headline figures now carry a small receipt: tap it and you see exactly which accounts, balances, and dates it was built from. Reports opens with a short “what changed this month?” read, and a net-worth tie-out worksheet shows every piece adding up to the total. This is the whole idea behind GlidePath made visible: your money, on your machine, with the math in the open. And when you want the why behind a figure, Explain Mode is now a slide-over Explain Lens — tap any ? marker and its plain-English explanation collects in one panel, instead of pushing the page around.

Imports that reach a little further

More of your statements come in cleanly. This release adds import depth for Merrill and Fidelity NetBenefits 401(k) (including reading transactions straight out of the PDF), holdings positions with cost basis, and a statement-driven setup for balance transfers. The new Import Center gives you one place to see what’s been captured, what’s watched, and what’s left to bring in.

When someone else needs to find it

Whoever runs the money usually keeps half of it in their head. A new Household Ready set writes that part down: a financial calendar of what’s coming in the next 90 days, a handoff page of where the accounts, backups, and your data folder actually live, an insurance inventory with renewal timing, and a tax-document checklist you can mark off each year. It’s the breadcrumbs a trusted helper would need if they ever had to step in — kept on your machine, with no policy numbers or passwords stored, and no opinions attached.

The app, in your own words

You can now choose the app’s voice — Plain, Warm, Playful, or No-nonsense — with a live preview of each in Settings. It only ever changes the wrapper around a number, never the number itself, and money, warnings, and anything sensitive always stay plain. And Glide AI, the built-in explainer, is now unlimited for normal use (subject to fair-use limits) — ask it as much as you like, knowing it never sees your financial data.

The desktop app, refreshed

The Mac app now installs from a signed, Apple-notarized .dmg — open it and drag to Applications — and Linux adds a portable AppImage alongside the .deb. The top navigation now stays put as you scroll, the onboarding pages have a clear way back to the Overview, and you can set the app’s local port in Settings. Restoring from a backup is now its own deliberate, clearly-confirmed step. Smaller touches throughout: the Action Queue now tells you not just why an item appeared, but what will make it clear. And the whole app gets a refreshed look — deeper, lit surfaces and brighter growth lines throughout, the same numbers with a little more depth.

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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.

Now on Mac

GlidePath Money is available for Mac, joining Windows and Linux. It’s a signed and notarized install, so it opens cleanly — and your financial files stay on your machine the same way they do everywhere else.

Numbers that don’t overcount

A run of small fixes that add up to a number you can trust:

• Your cash-flow plan now ignores recurring rows you’ve paused or cancelled. They stay in your file, visible and editable, but they no longer quietly inflate your income, your expenses, or what’s free to put toward debt — and the per-category tables match the totals at the top.
• “Money owed” never counts an invoice you haven’t sent yet. Unsent drafts stay out of your outstanding total, your due-soon list, and the A/R aging report you hand your accountant.
• Business income counts in the year you were actually paid, not the year you wrote the invoice — so a December invoice paid in January lands where it belongs.
• A stray “-$0” that could show on a zero row is gone, and dashboards with nothing in them yet step aside with a friendly nudge instead of a wall of zeros.

A plain promise about coming back

If you ever let the optional maintenance lapse, the installed version keeps working — that hasn’t changed. What’s new is that we’ve spelled out the rest, right in the terms: coming back later costs only the current year, charged from the day you return. No back-pay for the time you were away, no reinstatement fee, same license key. We’d rather write the rule down now than change it on you later.

Household plan inputs stay owner-scoped

Your retirement plan inputs — spending target, return assumptions, claim ages — are owner-scoped, the same way the cash-flow reserve already worked, so household-member accounts and figures don’t accidentally rewrite the plan’s assumptions.

A gentler first session and a steadier activation

The first time you open the cash-flow plan with nothing in it yet, you get a clear starting point instead of empty cards. And a network hiccup during activation no longer offers to clear a license key that was working fine all along.

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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.

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

• Household-sensitive screens stay tucked away by default — import history, statement review, and the email inbox are kept out of the way unless you go looking for them, 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. Open the balance-transfer retirement fold to compare their recorded plan with one card-balance-sized bump to the primary 401(k) starting balance.
• 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 recognized CSV or Excel Workbook (.xlsx) export from your bank or budgeting app the way you always do. GlidePath notices the new file and offers it on the Import page for review. Tab-delimited files use manual upload; legacy .xls workbooks need to be re-saved as .xlsx; QFX/OFX and PDFs are not watched.

It’s the easiest rung yet on the “get my data in” ladder: the browser extension is still the most automatic, while the watcher needs no browser add-on when your bank provides a recognized CSV or .xlsx export.

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 buy a desktop license 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 intake. In 1.0, a PDF could land in the local review queue and readable text could help pre-fill balance-transfer details. PDF-to-ledger transaction readers arrived in later releases; image-only scans were not readable.
• CSV drag-and-drop. CSV exports with mappable date and amount columns, with format detection and column mapping for unfamiliar layouts.
• Email inbox. At 1.0, bank transaction alerts could be forwarded to a private inbox for import. That intake path was retired in 1.23 and is not available in current builds.

Households

• Household planning. Add everyone in your household on the in-app Partners page, then tag each account by owner (you / your partner / Joint). Transactions inherit the account’s owner, so reports and budgets answer “what did I spend?” vs. “what did we spend?” with one click — all from the one install you manage.

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 retirement what-if. For every active balance transfer, an inline “what if I cleared this now?” panel compares the recorded retirement plan with one current-balance-sized bump to the primary 401(k) starting balance. It shows a marginal-rate tax illustration, simple future value, and a same-seed 500-trial Monte Carlo delta. It does not simulate the payoff, interest saved, or a redirected monthly payment.
• 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 uses desktop licenses. You buy the version, and the installed app stays yours to use.

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.