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AI Retirement Copilot

Nestly has a custom planning model, with AI copiloting to boost income coverage and long-term balance — guiding you to build a secure financial future.

Start Planning Now
Watch Intro

Quick Start

See Your Results in 8 Seconds

Enter your age, current balance, and investment strategy to see your retirement projection instantly, then review AI-ranked next actions.

Explore Copilot Features

AI recommendations are transparent: preview impact first, then choose what to apply.

Current Age
You have 30 years until retirement age
Target Retirement Age
When you want to retire
Current 401(k) Balance

$

This is your starting amount. We'll add your contributions and growth from here.
Contribution Plan
$15,000/yr
Suggested
Balanced defaults ($15,000/yr baseline, adjustable)
$15,000/yr
$100$24,000
Adjust to explore higher or lower annual savings while staying on this strategy.
IRS Max $24,000
2026 employee limitAutomatically increases each year with IRS adjustments (projected with 2.5% inflation until official limits are announced).
Catch-up contributions become available at age 50.
Investment Strategy
Moderate risk and returns (60% stocks / 40% bonds)
BALANCED STRATEGY
Retirement in 30 years
Portfolio at Age 65
$1,038,411
$2,178,137 in future dollars
Monthly Income (4% Rule)
$3,461/month
Total Contributions
$450,000over 30 years
$15,000 annually
Retirement Duration
Until Age 95(30 years)
Retirement Readiness
Comfortable (85%)
On track for comfortable retirement
These are estimates based on historical market averages.
Actual results will vary based on market conditions and personal circumstances.
Balance Over TimeAge 30$2.5MAge 70
Deterministic

Project your retirement with a single set of fixed assumptions. See one clear scenario for your financial future based on conservative estimates.

Income Sources & Expenses$1.8M401(k)+$450KSS-$250KHealth$2.0MNet
Comprehensive Analysis

Full retirement planning with Social Security optimization, healthcare cost modeling, multiple income sources, tax-efficient withdrawal strategies, and life event planning. Everything you need in one place.

Probability-Based ProjectionsSuccess Rate87%Probability of reaching your goal
Monte CarloPRO

Run thousands of simulations to see the probability of retirement success. More simulations = more accurate predictions and confidence in your plan. FREE: 500 simulations (±5% accuracy) • PRO: 8,000 simulations (±1% accuracy)