2026
Setup that fits your phone
The first run now fills your screen on a phone, with Back and Continue always in reach, and tapping a field no longer zooms the page in.
Put your accounts in order on your phone
Drag an account, or a whole institution, into the order you want from the Accounts card. To correct a balance, open the account and choose Reconcile balance.
Reinvested dividends from Merrill and Fidelity
A dividend that was reinvested now reads as reinvested in what changed, and no longer as money you put in.
Group accounts by institution, or not
Turn institution groups off from the menu on your account list, and drag a group to where you want it in the sidebar.
Days of freedom at zero
The FIRE card now shows your days of freedom even when this month has not added any yet, as so far this month.
See what each sync changed
An account's connection now lists what moved on each sync and what Gentry counted it as. When it asks you about money it could not place, you can now say it was a dividend, or that it was not real money.
Money you put in, and nothing else
Monthly contributions, year to date, Total Contributed and your FIRE dates now leave out reinvested dividends and the money an account already held when you connected it.
Mutual fund dividends, sooner
Dividends from mutual funds such as VTSAX and FXNAX now show up within about a week of being paid, instead of up to three.
Goal reminders
A goal with a date tells you how much is left in its last 30 days, and how far short it fell if the date passes.
Two factor authentication, when you sign in
If you have not turned it on yet, Gentry now offers to as you sign in. Not now keeps it away on that device for a week.
Goals
Set a target for a house, a car or a trip, pick the accounts that fund it, and see when you get there. Goals sit with your milestones, and money saved for one stays out of your FIRE numbers unless you say it counts.
Savings accounts that read like cash
Checking and savings now show this month's change and an optional interest rate instead of cost basis and returns, and interest never counts as money you put in. Update a manual balance in one step.
Connect your bank
Connect a bank sits beside Connect a brokerage on your profile, so savings and checking at banks with no investment accounts can sync their balances every night.
Invested, front and centre
The dashboard's performance card now leads with what you have invested, which leaves out your emergency fund, with net worth beside it. What you have put in is now called Total Contributed.
Emergency funds stay out of your FIRE numbers
Money marked as an emergency fund no longer counts toward "$X invested" milestones or the savings your plan starts from. Turn it on or off right from the account page.
One way to record a buy
Record a buy now asks how you paid: with cash already in the account, or with new money. Any amount works, not only multiples of $100.
A calmer account page
Each account shows one main action, Sync now or Import, and keeps the rest under More. On a Roth IRA, Log past money in lives on the Roth card, and its breakdown opens one section at a time.
A first run that asks the right things
Setting up Gentry now walks through your accounts, your pay and filing status, your plan and Social Security, then tells you what is still worth filling in.
Taxes in two tabs
The taxes page splits into This year and Retirement years, so the question you are asking has its own page.
Search every transaction
A Transactions page lists every account's entries, newest first, with search and filters by account, category and date.
Download your data
From your profile, download everything you have put into Gentry as JSON, or a single table as a CSV that opens in any spreadsheet.
A broken connection, wherever you are
When a bank or brokerage stops letting Gentry in, the dashboard and sidebar say so, and Gentry emails you, so a stale balance never looks current.
Where each retired year is paid from
Each year of the projection now says which savings its spending comes from, gives cash its own colour, and taxes brokerage withdrawals as long-term gains.
Every account on the projection
The tax projection now shows all your savings as one bar per year, split into tax deferred, HSA, Roth and taxable. Tap a colour to see how much sits in it, and watch money move as you convert or spend.
Retiring before 59½
If you retire early, the projection now spends taxable and Roth money first, shows any 10% penalty, and flags each year that runs short with the latest year a conversion would clear in time.
Roth contributions from before Gentry
Log a past Roth contribution with "Log past money in", or by marking a transaction as a contribution. It counts toward what you can take out, and you can remove it from the same card if you got it wrong.
The already-taxed part of a conversion
When you log a Roth conversion you can now say how much of it was already taxed, so only the rest waits out the five year clock.
What you can take out of your Roth today
Each Roth IRA now shows how much you could withdraw right now without tax or penalty, and when each conversion that is still waiting will clear. Conversions from before you joined can be logged by hand.
Mark a Roth deposit as a conversion
When Gentry asks about money arriving in a Roth IRA, you can now say it was a conversion from a traditional account, so it starts its own five year clock instead of counting as a new contribution.
Which holding moved an account
The sentence explaining an account's change now names the holding that moved it most, so you can see what drove a good or bad day.
Edit or delete transactions in bulk
Select several transactions in an account to recategorize or delete them together, instead of one row at a time.
Archive a closed account
An account you have closed can be archived rather than deleted. It leaves your totals but keeps its history, and you can bring it back from Archived accounts.
Dividends on the day they are paid
Dividends now land on the date your broker actually pays them, not the earlier ex-dividend date, so they match your statement.
What selling would cost you
The taxes page now shows an estimated tax bill for every taxable account if you sold it today, plus a total across all of them, so you can see the cost before you decide.
Convert to Roth, right in the projection
Any year in your tax projection now has a Convert to Roth field. Type an amount and see the bracket and balance consequence immediately, capped at what that year has left after its required withdrawal.
The simulator remembers your assumptions
The inflation and side income you set in the planning simulator are saved to your account now, so the figures you choose are still there the next time you open it.
Your taxable income, year by year
The taxes page now projects your taxable income to retirement, split into working, gap and retired years, each showing what sits in every account type, so you can see where a Roth conversion has room.
Which account to fill first
The contribution room card now orders your accounts by which to fill next, so you can see where the next dollar should go, not only how much room each one has left.
Contribution room, at a glance
Each allowance on your portfolio page is now a bar rather than a sentence, so you can see how full a 401k, IRA or HSA is without reading. Allowances you have finished sink below the ones still worth a look.
Marginal rate, Traditional or Roth
The tax page now shows your federal marginal rate and works out whether Traditional or Roth wins for your next contribution, based on the retirement rate you set.
Telling Gentry how you file
The planning page now asks for your filing status and confirms what your income figure means, which is what lets Gentry work out your tax position.
Two factor authentication
Turn on a code from your authenticator app and a stolen password is no longer enough to open your portfolio. Ten backup codes get you back in if you lose your phone.
Connecting a brokerage
Linking a brokerage is now open to every account. Connect one and Gentry reads your balances and holdings, so you stop typing them in.
Confirming your email address
New accounts get a message to confirm their address, and you can send it again if it does not arrive. Confirming is also what lets you turn on two factor authentication.
A return rate from what you actually hold
Your projection no longer assumes a flat market average. It reads the mix of what you hold and uses a rate that matches it.
Contribution limits on the account
Opening a 401k, IRA or HSA now shows what you are still allowed to put in this year, and says so on both pages when the allowance is shared across more than one account.
Dividend rates from the last twelve months
A holding's dividend rate now comes from what it actually paid over the last twelve months, rather than from a single recent payment.
What moved your net worth
Your dashboard and each account now separate the money you added from what the market did, and name the account that carried the month.
Employer match
Tell Gentry how your employer matches and it works out what you are leaving on the table this year.
Savings rate on your phone
The number your freedom date turns on is now on the screen you actually check.
Contribution room
See what is left in your 401k, IRA and HSA for the year, and how long you have to use it.
Gentry asks about large movements
When a lot of money arrives or leaves, Gentry asks what it was instead of guessing, so your cost basis stays right.
Holdings show their age
Every holding says when its price was last refreshed, so you know how fresh the number you are reading is.
Gentry is in beta, and what gets built next comes from what people tell us. Write to feedback@gentry.money.