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