Nest Egg Navigator

Nest Egg Navigator helps you plan what to do from today through retirement with a clear, year-by-year strategy for saving, investing, withdrawals, taxes, healthcare, Roth conversions, Social Security, RMDs, and legacy planning.

Built for early retirees, married couples, and single households, the app models how different decisions may affect long-term net worth, lifetime taxes, ACA subsidies, Medicare costs, IRMAA surcharges, Required Minimum Distributions, and assets left to beneficiaries.

Enter your household assumptions, including birth dates, retirement date, filing status, state, income, annual spending, healthcare needs, Social Security estimates, pension income, and account balances. Nest Egg Navigator then compares retirement strategies and shows plain-English recommendations explaining both what to do and why.

Features include:

• Year-by-year retirement action plan
• Strategy comparison across withdrawal and Roth conversion approaches
• Pre-retirement investment priority suggestions
• Account balance projections
• Income source projections
• Withdrawal projections by account
• Roth conversion timeline
• Healthcare, ACA subsidy, Medicare, and IRMAA modeling
• RMD projections
• Cash flow and net worth tables
• Social Security claiming analysis
• Estate and beneficiary planning estimates
• Scenario saving and comparison
• CSV export
• Dark mode and mobile-friendly navigation

Nest Egg Navigator is especially useful for people planning retirement before Medicare age. It helps identify how to bridge the years between retirement and age 65, how to preserve ACA subsidies, when Roth conversions may make sense, and how to avoid creating unnecessary future RMD or IRMAA problems.

The app is designed with privacy in mind. Financial planning inputs are processed locally on your device. The app does not transmit the retirement planning data you enter for calculation or storage.

Important: Nest Egg Navigator provides estimates and educational planning output only. It does not provide guaranteed financial, legal, tax, investment, or estate-planning advice. Tax laws, healthcare rules, Social Security rules, investment returns, and personal circumstances can change. Consult a CPA, CFP, estate attorney, tax professional, or qualified advisor before making financial decisions.