Every meaningful update — features, content, and data refreshes — dated and documented. Radical transparency is a feature, not a marketing line.
Features
Scenario Simulator, Estate Checklist, Life Events Planner, Changelog
New /tools/simulator — what-if calculator for savings, returns, time horizons
New /estate — 12-point estate readiness checklist with local progress tracking
New /life-events — 8 major Canadian life transitions with step-by-step checklists
New /changelog — this page
New /subscriptions — real retention phone numbers and scripts for every major Canadian provider
Dashboard
Net worth history + cash flow forecast + backup reminders
Dashboard now tracks net worth snapshots over time with animated line chart
12-month cash flow forecast shows projected surplus/deficit at current income and spending
Automatic backup reminder banner appears when your last exported backup is over 30 days old
Print-friendly CSS — 'Save as PDF' button in the dashboard header
Dashboard now shows a subscription-manager callout linking to the new /subscriptions page
Onboarding
Quick vs Full onboarding modes
Onboarding now starts in 'Quick' mode — 3 steps in ~3 minutes (income, spending, goals)
'Full' mode available any time for advisor-level detail (7 steps covering protection, debts, savings, etc.)
Switch between modes mid-wizard with the new toggle in the header
Removed all placeholder defaults from sliders — every field starts at zero so your numbers are always your own
Navigation
Home tab, Goals tab, Dashboard at end
Added 'Home' as the first link in the main navigation
New 'Goals' tab appears for signed-in users (separate /goals page)
Dashboard link moved to the end of the nav for signed-in users
Unified the gamification dashboard with the financial dashboard — one scroll, no duplicate pages
Trust & transparency
Honest trust signals + suggestion framing
Removed fake user counts and made-up stats from the homepage — replaced with sourced, verifiable trust signals
Compare page now explicitly frames products as 'suggestions, not recommendations' with disclaimers about independence
ProductComparer 'Visit website' buttons re-styled as subtle 'Learn more at [institution]' links
Added security headers (HSTS, X-Frame-Options, CSP, Permissions-Policy) applied via Next.js headers() API
Hardened robots.txt — allowlist for major search engines and AI indexers, explicit blocklist for 20+ known scrapers
Added Schema.org JSON-LD structured data for search engine rich results
Learning
Three new flagship courses + Module Player visualizations
New course: 'Spotting Canadian Scams' — 9 modules covering CRA phone scams, e-Transfer interception, romance scams, pig butchering, phishing, and newcomer-targeted scams
New course: 'Canadian Investing Strategies' — 5+ modules on the Couch Potato portfolio, DCA vs lump-sum, Canadian tax-aware asset location, the 4% rule with Canadian adjustments, and DRIPs
New course: 'Withdrawing from TFSA, RRSP, FHSA' — the rules nobody explains, including re-contribution timing, RRSP withholding, HBP, LLP, and FHSA qualifying withdrawals
New visualization components: animated bar charts, donut breakdowns, before/after cards, compound growth timelines, and formula cards with worked examples
Tools
Statement Analyzer — Beta
New /tools/statement — upload a PDF or CSV bank/credit card statement, get instant categorization against 1,165+ Canadian merchants
Added fuzzy-match fallback classifier for merchants not in the database (token voting)
50/30/20 zone analysis, parent-category rollups, top merchants, and recurring-charge detection
100% client-side — your file never leaves your device
Marked as Beta while we gather real-world feedback on PDF parsing coverage
Compare
Full Canadian product catalog
Expanded the Compare page to cover 100+ products from every major Canadian institution
Credit cards: 25 cards across every major issuer
Chequing accounts: 18 products including every Big Six bank, Simplii, Tangerine, EQ, Wealthsimple, KOHO, and more
Savings (HISA): 20 products with live rates from Bank of Canada Valet API and institutional pages
Added filters + sort across all categories and plain-language labels throughout
Boss battles
Three new boss battles
New boss: Scam Phantom — 6 rounds of Canadian fraud detection
New boss: Credit Score Serpent — 6 rounds of credit mechanics
New boss: Mortgage Goblin — 7 rounds of mortgage fine-print traps
Fixed Tax Dragon capital gains question (the proposed 66.67% inclusion rate was deferred and is not in effect)
Editorial policy: We update this page when we ship meaningful changes — new tools, courses, data refreshes, or notable fixes. Minor bug fixes and copy edits aren't logged. When a regulatory rule changes (CRA, OSFI, provincial), we note it explicitly so you can verify the source yourself.