v1.0.2

Consistent Goal Forecasts

Goal projections now use the same calculation model across the projection graph, Saved plan scenario, estimated completion date, Required pace, and overall tracking status.

• Saved plan projections now respect the configured contribution start and end dates.
• Monthly contributions are counted only when their scheduled date falls on or before the goal’s target date.
• The projection graph always ends on the exact target date and no longer includes contributions after the deadline.
• Forecasts use the user’s local calendar date consistently, avoiding partial-month and time-of-day discrepancies.
• Required monthly contributions and tracking status now use the goal’s configured annual return assumption.

Clearer Scenario Comparison

• Saved plan uses the saved monthly contribution, annual return, and contribution window.
• Lower return uses the saved contribution schedule with the adjusted return.
• Required pace remains a hypothetical contribution plan running from today through the target date.
• Scenario contribution totals now include only contributions actually scheduled within the relevant period.

Corrected Tracking Status

Overall status is now determined from the same saved-plan forecast shown in the projection:

• Behind: the saved plan does not reach the target by the target date.
• On track: the saved plan reaches the target by the target date.
• Ahead: the goal reaches its target and is materially ahead of its expected progress or planned contribution pace.
• Completed goals and goals that have already reached their target remain ahead.

Performance

Optimized long-range and impossible-plan forecasts to avoid repeated calculations. Scenario comparisons now remain responsive even when a target cannot be reached within the forecast horizon.

Compatibility

• Existing goals recalculate automatically when viewed.
• No database migration or manual goal update is required.
• Stored balances, contribution plans, and target dates are unchanged.