Retirement Estimator 1.5.2

Retirement Estimator skill 1.5.2 (2026-10-26)

• Spend-downs stay on target with Update Balances. When you redo a spend-down before a
  withdrawal with Update Balances or an update file, Claude now counts the interest the app adds on
  that day, so the account still ends at about $0 at your target age instead of leaving money unspent.
  Claude can also give you the redo as an update file to open on your device.

The Social Security claiming add-on is unchanged (1.1.1, in release v1.5.1).

Video: Update Your Retirement Plan in a Minute With Update Balances

Install: download the zip below, then in Claude go to Customize ▸ Skills ▸ + Add ▸ Upload skill and pick it. To update, upload the new zip the same way and tap Upload and replace. More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.5.1 (add-on 1.1.1)

Retirement Estimator skill 1.5.1 (2026-10-26)

• Steps for updating the skill now match Claude's current menus: under Customize ▸ Skills,
  tap + Add ▸ Upload skill, choose the new zip, and tap Upload and replace. Your earlier
  version stays in the skill's version history.

Social Security claiming add-on 1.1.1

• Steps for updating the skill now match Claude's current menus: under Customize ▸ Skills,
  tap + Add ▸ Upload skill, choose the new zip, and tap Upload and replace. Your earlier
  version stays in the skill's version history.

Install: download the zip below, then in Claude go to Customize ▸ Skills ▸ + Add ▸ Upload skill and pick it. To update, upload the new zip the same way and tap Upload and replace. More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.5.0 (add-on 1.1.0)

Retirement Estimator skill 1.5.0 (2026-10-26) — for Retirement Estimator app 1.8.0

• Update Balances. When only balances and dates change, Claude points you to the app's new
  Money ▸ Update Balances instead of building a new plan file, including before each spend-down
  withdrawal. Pick any date; when your scenarios give different values, you choose which one they
  come from. A scenario with transfer conflicts can be fixed right from Update Balances.
  Claude explains what isn't carried forward (unpaid bills, pay not yet passed on), when an undated
  yearly bill comes due after an update, and gives yearly bills a begin date when it knows the due date.
• Update files. Claude can fill Update Balances in for you: give it the date and your statement
  balances, and it writes a small update file. Open it in the app, check the values, and tap Review ▸
  Apply. It can use a CSV report for the exact item names and to compare your balances with the plan.
  A new account or bill can't go in an update file; Claude gives you the values to add it in the app.
• Better plans for couples and people still working: employer match, pay every two weeks, a
  minimum kept in savings, fewer transfers, costs that start later, and when a couple's plan ends
  (new reference/recipes.md). Spend-downs work for a full plan before retirement, and the RMD
  check can turn a barely-used account into an RMD what-if.
• Premium is assumed. Claude says you'll need Premium and builds the plan the way it should be,
  without trimming it to the free limits. A yearly bill can keep its due date with its own fund.
• Growing withdrawals kept intact. When Claude rebuilds a plan from a CSV report, it recognizes
  an expense you use to make a withdrawal grow (account → expense → savings), keeps every transfer
  of it, including one that covers its tax from savings, and describes it as a withdrawal, not a
  bill.
• RMDs next to withdrawals you already have. When your 401(k) or IRA already pays a bill or a
  growing withdrawal, Claude puts the RMDs into a new account that pays those first. Each year the
  account pays whichever is larger, the RMD or your usual withdrawal, never both, and your existing
  transfers stay as they are. RMD money you don't need is kept in the new account.
• Undated items stay undated. A CSV report shows the scenario's dates for items with no Begin or
  End Date (from app 1.8.0, that item's column titles say "Begin Date (Scenario Begin)" /
  "End Date (Scenario End)"). When rebuilding from one,
  Claude leaves those dates out, so transfers and accounts keep following the scenario instead of
  getting a fixed start date before the income they carry.

Social Security claiming add-on 1.1.0

• Couples: compare claiming ages for both of you, one scenario per pair of ages you choose.
• Statement amounts at other ages that don't match SSA's rules are pointed out, and stopping work
  early is explained in a line.
• Premium is assumed, as in the Retirement Estimator skill; no separate plan per age to fit the free limits.

Video: Update Your Retirement Plan in a Minute With Update Balances

Install: download the zip below, then in Claude go to Customize ▸ Skills ▸ + Add ▸ Upload skill and pick it. To update, upload the new zip the same way and tap Upload and replace. More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.4.1

Retirement Estimator skill 1.4.1 (2026-10-03)

• Available as the retirement-estimator plugin in Claude's plugin directory, together with the
  Social Security claiming add-on. Added from the directory, updates arrive on their own.

Social Security claiming add-on 1.0.2

• Included in the retirement-estimator plugin in Claude's plugin directory. Added from the
  directory, updates arrive on their own.

Install: download the zip below, then in Claude tap your name or initials ▸ Settings ▸ Customize ▸ Skills ▸ + Add ▸ Upload skill (or ⋯ ▸ Replace to update). More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.4.0

Retirement Estimator skill 1.4.0 (2026-10-03)

• Spend down by a target age. Ask how much you can spend each month so an account lasts until
  an age you choose, such as 90. Claude works out the monthly spending and this month's withdrawal,
  builds the plan, and explains the Monte Carlo odds and what to weigh, such as living past
  the age you chose. Before every withdrawal, give Claude the new
  balance: it redoes the numbers so the plan stays on track to the age you chose.

Video: Spend Down an IRA by 95 and Redo It Before Every Withdrawal

Install: download the zip below, then in Claude tap your name or initials ▸ Settings ▸ Customize ▸ Skills ▸ + Add ▸ Upload skill (or ⋯ ▸ Replace to update). More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.3.2

Retirement Estimator skill 1.3.2 (2026-10-03)

• Social Security claiming add-on. When you ask when to start Social Security, Claude uses the
  new Social Security claiming add-on if you have it. If you don't, Claude tells you where to get
  it, and can still compare claiming ages using the amounts on your Social Security statement.

Social Security claiming add-on 1.0.1 (replaces 1.0.0, which was available briefly on October 3)

• Social Security claiming ages. Give Claude the monthly benefit at full retirement age from
  your Social Security statement and your birth date. Claude works out your benefit at any claiming
  age from 62 to 70 with SSA's official rules, and adds each age you want to compare to your plan
  as its own scenario, so you can see them side by side with Compare Graphs.

• Claiming months follow SSA's rules exactly. Full retirement age and later claiming ages start
  in the month you reach them, and the earliest claim at 62 needs the whole month. For most people
  the earliest claim is now correctly 62 and 1 month (70.42% of the full amount with a full
  retirement age of 67).

Video: Add Your Own Financial Rules to the Retirement Estimator Skill in Claude

Install: download the zip below, then in Claude tap your name or initials ▸ Settings ▸ Customize ▸ Skills ▸ + Add ▸ Upload skill (or ⋯ ▸ Replace to update). More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.3.1

Retirement Estimator skill 1.3.1 (2026-10-03)

• Steps for adding and updating the skill now match Claude's current menus: tap your name or
  initials ▸ Settings, then under Customize ▸ Skills. To update, tap
  retirement-estimator ▸ ⋯ ▸ Replace and choose the new zip.

Video: How to Update Your Retirement Estimator Skill in Claude | Replace, Then Check the Version

Install: download the zip below, then in Claude tap your name or initials ▸ Settings ▸ Customize ▸ Skills ▸ + Add ▸ Upload skill (or ⋯ ▸ Replace to update). More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.3.0

Retirement Estimator skill 1.3.0 (2026-10-02)

• Changing a plan that's already in the app. The app can't export a plan file, so Claude rebuilds
  your plan from a CSV report, which lists every item's settings (transfers in priority order).
  Claude reads only the settings rows to keep usage down, makes the changes you ask for, and
  suggests an Export Data backup before you import with Replace.
• New reference on CSV reports: their layout, how each column maps to the plan file, and what to
  watch for (investment returns shown per period, percents shown rounded, balances shown
  after that day's transfers).
• Lower usage with repeat CSV reports. When you send a new report, Claude compares it with the
  previous one and tells you only what changed, instead of reading the whole file again. It also
  checks a newly imported plan against the file it built.
• RMDs that replace a withdrawal. If your 401(k) already sends a regular withdrawal to savings,
  Claude can replace it with RMDs from the first RMD year, at the same priority, so nothing is taken
  twice, then check with a CSV report that the RMDs are the larger amount.
• Tax on RMDs. If you ask, Claude estimates an average tax rate for your RMDs and explains its
  assumptions.

Video: Claude Updates the Plan Already in Your App From a CSV Report | Retirement Estimator Skill 1.3.0

Install: download the zip below, then in Claude tap your name or initials ▸ Settings ▸ Customize ▸ Skills ▸ + Add ▸ Upload skill (or ⋯ ▸ Replace to update). More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.2.2

Retirement Estimator skill 1.2.2 (2026-10-02)

• Updating the skill: Claude now tells you to use Replace in Claude's Settings ▸ Skills
  (⋯ ▸ Replace) to install a newer version, instead of uploading it again.

Install: download the zip below, then in Claude tap your name or initials ▸ Settings ▸ Customize ▸ Skills ▸ + Add ▸ Upload skill (or ⋯ ▸ Replace to update). More: https://itdtllc.com/retirement-claude.html

Retirement Estimator 1.2.1

Retirement Estimator skill 1.2.1 (2026-10-01)

• Example scenarios added to the 1.0.0 notes, to show what Claude does for you.

Install: download the zip below, then in Claude tap your name or initials ▸ Settings ▸ Customize ▸ Skills ▸ + Add ▸ Upload skill (or ⋯ ▸ Replace to update). More: https://itdtllc.com/retirement-claude.html