Nestly Advisor

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

Nestly Lab — Try Any Strategy Instantly Explore what-if scenarios with AI in one dedicated workspace. Compare Baseline against any saved scenario side by side, and see the impact ripple through your whole plan the moment you change a number.

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.

Read & Try: Learn From Real Articles, Then Test Them Retirement Insights articles are curated to your plan's weakest pillar. Any article with a flask icon lets you apply that exact strategy to your own numbers in one tap — no manual re-entry, no signup required.

Plan Guard Stress-test your plan against real-world shocks — market drops, inflation spikes, longevity risk — and get a clear read on how resilient your future plan really is before you commit to a strategy.

AI Actions Get a ranked list of your highest-impact next moves, personalized to your plan, with a one-tap preview of what each action changes before you apply it.

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 Medicare 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.

Estate & Legacy Planning Plan for transfer taxes, step-up basis, and long-term legacy goals alongside your retirement income.

Sync Across Devices Sign in once and your plans follow you — start on your phone, pick up right where you left off on the web.

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