What's new

What changed, in plain words. When a change moves the numbers in your plan, it says so.

What we're working on

Compare investment strategies. See different ways of investing side by side on your plan, each with your sustainable monthly income and the chance your money lasts. A bucket strategy keeps two years of spending in cash and the next five in bonds, with the rest in stocks. You spend from the cash. After a good year for stocks, some stocks are sold to refill the cash and bonds. After a bad year, bonds refill the cash, and stocks are sold only if the cash and bonds have both run out. A barbell keeps 80% in cash earning short-term interest rates and 20% in stocks, with no bonds. A fixed mix keeps the same share in stocks and bonds every year, such as 60% stocks and 40% bonds. You'll also be able to pick an age to switch from one strategy to another.

Compare › Social Security claiming age is now free. It checks each claiming age, or each pair of ages for a couple, on your own plan, and "Use this" puts the one you pick into your plan. Claiming age
A features page that lists everything MangoDime does, marked Free or Plus. What MangoDime does
Cash now earns interest. Before, it kept level with inflation and nothing more. Each simulated year, a cash account now earns what 3-month Treasury bills paid in the same past year your plan replays for stocks and bonds, after that year's inflation. The interest is taxed each year, the way a savings or money market account's is. If your plan holds a cash account, your sustainable monthly income may change. How taxes are estimated
Your plan now counts the tax on rebalancing a brokerage account. Bringing the account back to its mix of stocks and bonds each year sells some of what grew, and that gain is taxed the following year. If your plan holds a brokerage account, your sustainable monthly income may come out lower. How taxes are estimated
The historical data we use revised 2025's stock return from 17.78% to 17.72%. It didn't move the sustainable monthly income of any of our six sample plans, not even by a cent.

The main figure on your dashboard is now called your sustainable monthly income. It's the same number as before, under a plainer name. How your sustainable monthly income is calculated
If you leave a job in or after the year you turn 55, your plan now warns you that moving that 401(k) to an IRA can bring back the 10% penalty on withdrawals before 59½. Moving an old 401(k)
The Roth conversion options have plainer names, such as "Stay under the subsidy cutoff" and "Fill up to the first Medicare surcharge". Roth conversions

New articles on taxes in retirement, when to claim Social Security, and what to do before the year ends. Articles
We rewrote the Help Center in plainer words and corrected several facts in it. Help Center
If the price of Plus is a stretch, a line under it now asks you to email us.

Marketplace health insurance now uses the published 2027 benchmark premium in place of our estimate. This can move your numbers if you retire before 65. Insurance

Each account can now have its own stock and bond mix. This can move your numbers if your accounts are invested differently. Accounts, by how they're taxed
Your salary now grows by the rate you enter, until you retire. This can move your numbers if you entered a raise. Income and Social Security
After a spouse dies, health insurance is now priced for the survivor alone. This can move your numbers if you plan as a couple. Survivor scenario

Roth conversions now stay under the limit you chose, such as the top of the 12% bracket, after counting the year's spending. Before, a conversion meant to fill the 12% bracket could spill into the 24% bracket. This can move your numbers if your plan converts. Roth conversions
For a couple on a marketplace plan, your share of the premium is now counted once. Before, we counted it twice. This can move your numbers if you're married and retire before 65. Insurance
Before 59½, the 10% early-withdrawal penalty now follows each spouse's own age. This can move your numbers if you and your spouse are different ages. Money before 59½

Compare › Traditional or Roth 401(k). Move your contributions between pre-tax and Roth, and see the tax now and in each year of retirement. Roth or traditional contributions
We rewrote our emails in plain English, and they now greet you by name.

State taxes for people 65 and older: exemptions, deductions or credits in eight more states (Arizona, Arkansas, Indiana, Kansas, Kentucky, Massachusetts, Ohio and Vermont), and Idaho's deduction for health insurance premiums, Medicare's included. This can move your numbers if you live in one of those states. How taxes are estimated
Marketplace health insurance is now priced for 2027 coverage. This can move your numbers if you retire before 65. Insurance
Before 59½, the part of a Roth IRA you can take out tax-free and penalty-free now comes out before IRA money that carries a penalty. This can move your numbers if you retire early. Money before 59½

The Partner/Spouse seat. With Plus, your partner/spouse gets their own login to the same plan. Planning as a couple

Dark mode. MangoDime now follows whatever your device is set to, and you can override it to Light or Dark on your Profile page.

Taxable accounts left without a cost basis are now treated as all gain, not all basis. That's the careful reading of a blank field, and it lowers the sustainable monthly income for anyone affected. If it changed yours, your dashboard says by how much. Accounts, by how they're taxed
A Help Center and a How it works page. Help Center
More fields in your plan now explain why we ask for them, and the charts have a “?” that opens the article explaining what they show. Help Center
A new look across the site: warmer background, one typeface for headings and every dollar figure, and larger fields throughout.
The chart colors were rebuilt so no two touching segments are hard to tell apart, including for red–green color blindness. The percentile band is one color now instead of green-versus-red. What the 5,000 simulations are and aren't