The total transaction count (for progress estimation) is counted as the known count at the last checkpoint, plus an estimated number per day.

The last checkpoint is now 996 days ago, and its estimated 60000 transactions per day leads to a total estimate of 96M transactions, while the real number is around 183M.

Fix this by updating the count, timestamp, and rate of transactions... with or without adding a new checkpoint.
strUsage += HelpMessageOpt("-wallet=<file>", _("Specify wallet file (within data directory)") + " " + strprintf(_("(default: %s)"), DEFAULT_WALLET_DAT));
    strUsage += HelpMessageOpt("-walletbroadcast", _("Make the wallet broadcast transactions") + " " + strprintf(_("(default: %u)"), DEFAULT_WALLETBROADCAST));
    strUsage += HelpMessageOpt("-walletnotify=<cmd>", _("Execute command when a wallet transaction changes (%s in cmd is replaced by TxID)"));
    strUsage += HelpMessageOpt("-zapwallettxes=<mode>", _("Delete all wallet transactions and only recover those parts of the blockchain through -rescan on startup") +
                               " " + _("(1 = keep tx meta data e.g. account owner and payment request information, 2 = drop tx meta data)"));
    if (showDebug)
    {
        strUsage += HelpMessageGroup(_("Wallet debugging/testing options:"));
        strUsage += HelpMessageOpt("-dblogsize=<n>", strprintf("Flush wallet database activity from memory to disk log every <n> megabytes (default: %u)", DEFAULT_WALLET_DBLOGSIZE));
        strUsage += HelpMessageOpt("-flushwallet", strprintf("Run a thread to flush wallet periodically (default: %u)", DEFAULT_FLUSHWALLET));
        strUsage += HelpMessageOpt("-privdb", strprintf("Sets the DB_PRIVATE flag in the wallet db environment (default: %u)", DEFAULT_WALLET_PRIVDB));
        strUsage += HelpMessageOpt("-walletrejectlongchains", strprintf(_("Wallet will not create transactions that violate mempool chain limits (default: %u)"), DEFAULT_WALLET_REJECT_LONG_CHAINS));
    }
    return strUsage;
}
CWallet* CWallet::CreateWalletFromFile(const std::string walletFile)
{
    
    std::vector<CWalletTx> vWtx;
    if (GetBoolArg("-zapwallettxes", false)) {
        uiInterface.InitMessage(_("Zapping all transactions from wallet..."));
        CWallet *tempWallet = new CWallet(walletFile);
        DBErrors nZapWalletRet = tempWallet->ZapWalletTx(vWtx);
        if (nZapWalletRet != DB_LOAD_OK) {
            InitError(strprintf(_("Error loading %s: Wallet corrupted"), walletFile));
            return NULL;
        }
        delete tempWallet;
        tempWallet = NULL;
    }