RetireSmartIRA

2.8.2: A Better Mac App, and Refined Legacy Calculations Mac - Text size on Mac: choose View > Make Text Bigger (Command-=) to enlarge text across the app, up to 150%. Make Text Smaller (Command-minus) and Make Text Normal Size (Command-0) are next to it, and the app remembers your choice. - A new Go menu moves between screens, with Command-1 through Command-9 for the first nine. - File > Export Tax Summary PDF (Command-E). - Two windows open on the Multi-Year Plan now keep each other's changes. Legacy planning - Legacy Impact now counts the RMDs you and your spouse take during your lifetimes, after tax and reinvested in a taxable account, with and without a Roth conversion. Family wealth figures will change, and the family gain from a conversion can be substantially lower. - The return on taxes paid is now an annual rate, shown next to your taxable account's growth rate. - If your heir's salary would not change the result, a note now explains why. Scenarios and Medicare - The Scenario Summary now shows how its Additional Tax total divides between income tax and Medicare IRMAA. - The IRMAA-free conversion banner now appears only when no one in your household is 63 or older, because IRMAA uses joint income from two years earlier. - Clearer notes and labels throughout, including the Per-Decision Tax Impact and the Social Security planner. The app shows the numbers and leaves the decision to you. Charts and reports - The 40-year RMD chart labels each decade. - The Tax Summary PDF keeps section headings with their tables, and the tax bar displays correctly on Mac. - The Social Security chart names your plan-to age under the legend. - Account balances stay on one line in narrow columns, and conversion ladder labels fit on iPhone.