What's New in Version 4.0 The countdown is ON! Track your retirement date, watch your net worth grow over time, get intelligent reminders, see mortgage payoff details, and know your exact percentile ranking. This is our biggest update yet. NEW: RETIREMENT COUNTDOWN See exactly how long until you can retire—down to the day. Choose your favorite display: • Years, Months & Days - "8 Years, 2 Months, 15 Days" • Total Days - "2,997 Days Until Freedom" • Weeks & Days - "428 Weeks, 1 Day" • Progress Bar - "68% of the Way There!" Toggle between age-based calculation or pick your exact retirement date. Watch it count down every time you open the app. It's motivating, it's exciting, and it makes FIRE feel REAL. NEW: NET WORTH HISTORY TRACKING Your wealth journey visualized. Watch your progress over time: • Beautiful interactive charts - See your net worth trend at a glance • Multiple time ranges - View 1 month, 3 months, 6 months, 1 year, or all-time • Automatic daily snapshots - Your progress is tracked automatically • Manual snapshots anytime - Save after major financial events • Percentage change tracking - "Up 12.3% this quarter!" • Table view with timestamps - See every data point Finally see the compound effect in action. Watch the line go up. That's your future taking shape. NEW: SMART NOTIFICATIONS Stay on track without thinking about it: • Customizable frequency - Choose daily, weekly, bi-weekly, or monthly • Motivational check-ins - Gentle nudges to keep you focused NEW: MORTGAGE PAYOFF INSIGHTS Finally know EXACTLY how much you're paying in interest. For every mortgage: • See total interest remaining - "You'll pay $87,450 more in interest" • Know your exact payoff date - "Paid off in 18 years, 7 months" • Full amortization schedule - Year-by-year principal vs interest breakdown • Model extra payments - "Pay $200 extra monthly? Save $23,000 in interest and pay off 4 years early" No more guessing. No more spreadsheets. Just crystal-clear mortgage math that helps you decide: pay off debt or invest for FIRE? MORE ACCURATE PERCENTILE RANKING Your net worth percentile just got precise. Instead of "you're somewhere between 75th-90th percentile," now see your EXACT ranking: "You're 79th percentile—better than 79% of Americans your age." Know exactly where you stand. Watch your percentile climb as you make progress. It's the competitive edge your FIRE journey deserves. PRECIOUS METALS NOW COUNT Gold, silver, platinum? They're liquid assets—they should count toward FIRE. We've updated the calculations so your precious metals portfolio now contributes to your progress. Because if you can sell it easily, it's part of your path to freedom. WHAT-IF CALCULATOR IMPROVEMENTS • "Growth from Today" shows wealth gain by retirement • Projected return rate now goes up to 40% (for aggressive scenarios) • Set withdrawal rate to 0% to model pure accumulation • More accurate projections with growing contributions • Better scenario comparison side-by-side UNDER THE HOOD • Smarter data migration - your information is safer than ever • Enhanced snapshot system - one per day for clean history • Better error handling throughout • Improved performance and speed • Fixed multiple calculation bugs • Haptic feedback when saving snapshots • Backward compatible - all existing data preserved STILL 100% PRIVATE Your financial data never leaves your device. No tracking. No ads. No subscriptions. No compromises. Even notifications are local—nothing goes to a server.