Product Release Notes
RELEASED - February 2026
EarlyRetire Pro™ 2026
New in this release:
- Medicare Part B and D premiums, capital gains and estate tax brackets,
and parameters for ACA tax credit eligibility and amounts are updated for 2026.
The new temporary senior deduction in the recent One Big Beautiful Bill
legislation is added.
- Tax treatment of Taxable withdrawals and capital gains is enhanced and
simplified. The program now automatically calculates the portion of your
Taxable assets that will produce capital gain versus annual income (you no
longer have to calculate or enter this ratio), and the Report more accurately
reports taxes due to annual income and capital gains.
-
You can reduce the amount of capital gains tax you pay by limiting
taxable distributions to a selected capital gains tax bracket. This selection
will substitute use of Tax-Free assets for Taxable assets when capital gains tax
applies, and can potentially reduce your overall tax payments to provide greater
net income over your life.
- Reduce your capital gains tax further by Harvesting Capital Gains. A
new feature indicates on the Plan Report the years and amounts where you can
sell stocks to eliminate capital gains tax-free. Another way to increase
net income over your life.
- Auto Leveling now sets all tax leveling features automatically, by
finding the best settings to minimize taxes over your lifetime.
- Fixed Assets now include a Cash Flow option, to let you include
annual expenses or income associated with a Fixed Asset like a house or rental
property.
- More clarity in the Report Yearly Detail, listing Adjusted Gross
Income and Taxable Income consistent with IRS Form 1040. Capital
gains taxes are broken out and shown separately for both federal and state. The
following new fields are added to the post-retirement detail:
Unrealized Capital Gains (in Taxable assets at beginning of
each year)
Total Income Received to Date
Total Tax Paid to Date
Percentage of Social Security taxed
- Additional default settings have been added.
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