Nestly

Nestly: Retirement Planning, Simplified

See your retirement future clearly. Nestly brings your income, savings, taxes, Social Security, housing, and risk into one connected plan so you can make better decisions faster.

AI Retirement Copilot
Get plain-English guidance on what to do next. Nestly's AI Retirement Copilot highlights opportunities, explains tradeoffs, and helps you test changes before you commit.

12 Predefined Scenario Templates
Start instantly with 12 built-in templates for common retirement situations, then clone and customize them for your own plan.

What-If Scenarios
Adjust retirement age, savings rate, Social Security timing, and more to see full-plan impact instantly.

Monte Carlo Projections
Run simulations for confidence ranges, not just a single-point forecast.

261+ Inputs, 14+ Modules
Model your full retirement system across accounts, taxes, benefits, housing, debt, insurance, and estate factors.

Housing and Real Estate
Include mortgage payoff, downsizing, rental income, and property cashflow in your plan.

Tax-Smart Withdrawal Planning
Evaluate withdrawal order, Roth conversion strategy, RMD timing, and IRMAA-sensitive decisions.

Retirement Flight Path
Get a year-by-year action timeline with clear next-best moves.

Decision X-Ray
See how each change affects income, taxes, and risk line by line.

Nestly Score (0-100)
Track retirement readiness across key planning pillars.

Couples Planning
Model staggered retirements, spousal Social Security, and survivor scenarios.

Start Free:

500 Monte Carlo simulation paths
Up to 3 saved scenarios
Up to 2 What-If comparisons
Basic export reports
Cloud sync when signed in

Upgrade to Pro:

8,000 Monte Carlo simulation paths
Unlimited saved scenarios
Up to 10 What-If comparisons
Full Nestly Score analysis and guidance
All 261+ inputs editable
All 14+ modules unlocked
Unlimited life events
Comprehensive export reports