Financial Playbook App

7 new planning tools: Tax Estimator, Debt Payoff Planner, Emergency Fund Waterfall, Life Insurance Needs, Rent vs Buy, Raise Impact Calculator, and Net Worth Tracker now available from the main menu. Retirement Planner: Added probability of success across 5 market scenarios, Required Minimum Distribution (RMD) simulation, and Roth conversion recommendations for large tax-deferred balances. House Affordability: Refinance calculator with break-even analysis, closing cost estimates, and home equity now factored into down payment scenarios. Spending Tracker: Month-over-month trend chart, recurring transactions that auto-log each month, and improved CSV import with mobile banking guidance. Tax Estimator: Self-employment income (SE tax), child tax credit, and married filing jointly now correctly combines both salaries. Debt Planner: Debt-to-income ratio display with mortgage qualification guidance and quick-add examples for common debt types. Emergency Fund: Manual savings input, HSA and Roth IRA completion toggles, and waterfall steps now use your actual debt data. Rent vs Buy: Rebuilt to include closing costs, selling costs, PMI auto-drop, HOA, maintenance, renter's insurance, and break-even year. Net Worth: Snapshot history sparkline chart. Bug fixes throughout including scroll position, input focus, and navigation improvements.