Release notes

If you own or plan more than one home, Appleseed now tracks which one is your primary residence each year. A future home marked primary takes over from its purchase year, and your state taxes, health insurance and home-sale exclusion follow the home you live in. The housing page shows it at a glance: “Primary residence until 2036” and “from 2036.”

Plans that involve moving between states now apply full state-aware tax treatment, anchored by nonresident sourcing of real-estate gains: when a home is sold as part of a relocation, its taxable gain is taxed by the property's own state using the effective-rate apportionment method states actually apply to nonresident filers (e.g. California's 540NR, New York's IT-203), while ongoing income follows the household's residence state with each state's own brackets, deductions, credits, and Social Security rules — and destination-state assessment caps govern the new home's property-tax growth. In-year withholding uses the identical sourcing computation as the year-end liability, keeping move-year cash flow smooth and precise.

Plans for married households now model the financial reality of losing a spouse — something most planning tools simplify away. When the first spouse passes in your plan: the survivor keeps the larger of the two Social Security benefits (rather than both continuing), taxes switch to single-filer brackets and deductions (the “widow's penalty”), Medicare premium surcharges follow the real two-year IRMAA lookback rules, and the deceased spouse's income and RSU vesting end.

If your plan includes a spouse, your chance of success may decrease — the new number is the more realistic one. Every change is visible year-by-year in the Spreadsheet View.