Release Notes

Shortfall Funding Priorities: When your plan hit a cashflow shortfall, Canwi would draw from cash accounts only — with no way to control the order or sequencing. Shortfall Funding Priorities changes this — you can now define which accounts to draw from first, set target balances to preserve for emergencies, choose which liquid assets to sell, and configure an emergency drawdown order. Canwi handles the rest automatically.

Income Tax Projection: Added an income tax projection chart so you can see how your tax position tracks across the life of your plan.

CGT Indexation Method: Added support via a model setting for the new CGT indexation method coming into effect from July 2027. Until legislated, the default remains the current 50% discount — but you can now select the indexation method as a scenario setting to model the impact on your capital gains tax calculations. Includes support for the Centrelink (Aged Pension) exemption from the 30% minimum CGT rate.

Scenario Settings UX: Scenario settings now tracks unsaved changes and surfaces discard and save controls, so you always know when you have changes pending.

Quick Settings Sheet: Scenario settings are now accessible from the Quick Settings sheet for faster adjustments without navigating away from your plan.

Transfer Cash Event: Added a new event to transfer cash between accounts in your plan.

Move Homes Event: Added a new event to model changing your main residence, handling scenarios from renting and buying a property through to renting out your current home and moving into a new one.

Cashflow Priorities for Planned Assets & Debts: The Change Cashflow Priorities form now supports planned assets and debts, giving you more control over drawdown order across your full plan.

Super Drawdown Modelling: Major upgrade to superannuation drawdown modelling. Accumulation funds are now transferred into an Account Based Pension with full tracking of the Transfer Balance Cap, Transfer Balance Account, and proportional indexation. You can also control how much super is rolled over from accumulation into an ABP.

Navigation Redesign: Reorganised navigation makes everything easier to find. Initial Position is now part of Plan with dedicated pages for income, expenses, assets, debts, money flows, and real estate. Scenarios has its own spot in the nav, and Home brings your full financial picture together.

Downsizer Contributions: Added support for downsizer superannuation contributions for users selling an eligible property.

FIRE Progress Chart: Added a dedicated FIRE progress chart for users tracking financial independence and early retirement goals.

Cash Account Ownership: You can now allocate ownership of cash accounts across individuals in your plan.

Public Shared Scenario Comparisons: Scenario comparisons can now be shared publicly via a link.

Event Versioning: Events are now versioned so Canwi can notify you when an event changes and you need to take action.

Event Insights & Errors: Added a framework to surface event-level insights and errors that require resolution.

Offset on Property Purchase: You can now create an offset account as part of a property purchase event.

Modify Cash Flow Priorities: Cash flow priorities can now be edited over time.

Tracking: You can now track your progress against your financial plans by creating progress points and recording your current assets and debts.

Cash Flow Chart: Added a cash flow Sankey chart in Yearly Financial Breakdown so it is easier to understand your cash flow in each year.

Income Breakdown: Added an Income Breakdown chart in Plan Overview.

Asset Doughnut: Replaced the home chart with a cleaner asset doughnut chart.

Planner Intro: Added support for booking a planner intro session from home for Canwi Plus users.

Planning Charts: Added more planning charts and chart y-axis zoom support in selected views.

Onboarding Prompt: Added a scroll indicator on onboarding to highlight the Add Mortgage action.

Marketing engine integration: Integrated with a marketing automation engine so that we're no longer manually adding users to product update emails.

Expense Bucket View: Added bucket view switching for living expenses in Initial Position -> Cash Flow.

Synthetic Cash: Added a synthetic cash asset to Balance Sheet tables for users without cash assets.

Aged Pension Details: Added Aged Pension details in the Retirement Income goal section on Home.

Initial Position Pages: Added dedicated Initial Income, Expense, Assets, and Debt pages with richer charts and clearer context.

Chart Drag & Drop: Enabled drag-and-drop chart ordering in planner views.

Scenario Settings: Moved scenario controls into model/scenario settings for clearer model control.

Aged Pension: Added automatic Aged Pension calculations including income and asset tests, deeming rules, account-based pensions, and energy supplement interactions.

HELP Debts: Updated HELP repayment rates and threshold indexation, including the 10% repayment cap.

Calculation Tooltips: Expanded calculation breakdown tooltips in the Yearly Financial Breakdown view.

Change Super: Added controls to adjust superannuation return rates based on asset allocation changes over time.

Refinance Toggle: Added active/inactive controls inside refinance events.

Currency Slider: Added a currency-formatted input slider in Initial Position settings.

Custom Inflation: Added custom inflation controls for living expenses and wage growth assumptions.

Event Toggles: Added active/inactive event toggles for faster scenario testing.

Depreciation Expense: Added support for setting an initial expense as a depreciation expense.

Financial Breakdown: Added a Financial Breakdown modal and lifetime trend charts from Plan Detail tables.

Age Milestones: Added age-based planning milestones to improve retirement timing and access-age planning.

Initial Position Nav: Moved Initial Position into the sidebar for faster navigation.

Scenario Import/Export: Added import and export support for full scenario JSONs for quicker troubleshooting.