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 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