You can keep using the web app, or switch to the native experience for a smoother touch workflow on iPad, Android tablet, or phone.
AI Future Copilot
8,000 simulations. 261+ inputs. AI that ranks exactly what to do next — from your first dollar saved to your last dollar spent.
Free. Takes 60 seconds.
Live Interactive
Financial Readiness Analysis
Coverage & Risk Assessment
0%
Coverage
Moderate
85%
Your plan covers 84% of your lifestyle target with moderate risk.
1 of 4
8K
Simulations
261+
Inputs
82
Score
Start Your Projection
See your retirement future take shape in real time.
Nestly models your savings, income, strategy, and future risks instantly — powered by real-time simulations and adaptive financial intelligence.
$
Your Current Strategy
Balanced
Moderate risk and returns (60% stocks / 40% bonds)
$1,038,411
$2,178,137 in future dollars$3,461/month
To 95(30 years)
85%
Comfortable retirement
On track to age 95
$3,461/mo projected
Future outlook
8,000 simulations
Inflation modeled
Longevity aware
Monte Carlo ready
Stress tested
✓ Comfortable retirement
85% readiness score
$3,461/mo projected
Projections update dynamically as markets, inflation, and assumptions evolve.
How Nestly sees your future
Your future is more than a number.
Nestly models your income, risks, decisions, and life changes — so you can understand what happens before it happens.
Nestly Score
Monte Carlo
Plan Guard
AI Actions
Nestly Lab
Live Interactive
Your Financial Health Score
Nestly Score
One number (0–100) that tells you exactly where your financial life stands — across income, stability, safety net, and discipline. Updated as your life changes.
Four Pillars of Financial Readiness
Coverage
Does your plan cover your lifestyle target?
85
Stability
How resilient is your income stream?
78
Safety Net
Do you have adequate emergency reserves?
72
Discipline
Are you staying committed to your plan?
88
Your Score Journey
65
→
82
Your plan improved into a healthier retirement range.
Status
On Track
Since previous
+2 pts
Updated
Jun 2026
Trend
Steady climb
Key Insights
Your progress shows your strategy is working. You've moved from "Needs Attention" (65) in 2022 to "On Track" (82) today. Maintain your discipline on contributions and withdrawals to reach "Thriving" status (85+).
Live Interactive
Probabilistic Planning
Monte Carlo Engine
8,000 simulated futures. See the full probability range of your income across every life stage — not just one optimistic line.
8,000
Simulations
P10–P90
Confidence range
40 yrs
Planning horizon
Income Over Time — Early Financial Freedom at 62
Monte Carlo range shown (P10–P90, 8,000 simulations)
What the simulation reveals
Portfolio survival
Median path sustains income to age 88
P50 → 88
Income gap risk
Shortfall appears at 73 in pessimistic scenarios
P10 @ 73
Run 8,000 simulations on your own plan
See Your Monte Carlo — FreeNo account required. Results in 60 seconds.
Live Interactive
Scenario Stress Testing
Plan Guard
What if everything goes wrong? Run 20+ real-world scenarios and see exactly where your financial plan holds — and where it breaks.
Baseline Comparison
Early Retiree Eric — selected scenario vs your baseline
Early Retiree Eric
$943,624
63.4%
—
Oil Shock
$495,336
40.2%
-$448,288
Lost Decade
$1,283,559
76.5%
+$339,935
20+ What-If Scenarios
Apply any scenario instantly. See how your income, coverage, and portfolio survival change across your entire life — before it happens.
Market Crash
Pandemic Shock
Recession
Lost Decade
Oil Shock
Job Loss
Healthcare Crisis
SS Benefit Cut
Free plan includes 1 stress test · Pro unlocks all 20+ scenarios + custom overrides
Does your plan survive the worst?
Run a Stress Test — FreeNo account required. First test is always free.
Live Interactive
AI-Powered Recommendations
AI Actions
Nestly ranks every financial move by real dollar impact — so you always know the highest-leverage action to take next, at every stage of life.
AI
Model GPT-5
94% conf
Applied
#1
Close gap via higher annual contributions
Contribution increase preview
Highest impact by increasing contributions to reduce monthly gap and approach target sooner.
Preview Changes
Planner
Model deterministic-v1
#2
Reduce long-term shortfall with extra savings
Long-horizon savings preview
32 years are projected below your income target. Increase annual savings now to improve long-horizon coverage…
Preview Changes
10 AI-Ranked Action Types
Every action is ranked by real dollar impact — not generic advice. Preview the effect on your plan before applying anything.
Social Security Strategy
Optimize claiming age for max lifetime income
Tax-Efficient Withdrawals
Shift withdrawal mix to reduce tax drag
Roth Conversion Ladder
Convert pre-tax to Roth to cut future taxes
Close Income Gap
Boost contributions to hit your target income
Long-Horizon Shortfall
Increase savings to close your late-life income gap
Free plan previews top action · Pro unlocks apply + all 10 action types + custom what-if
See your highest-impact actions now
See Your AI Actions — FreeNo account required. Preview before applying.
Nestly Lab
Explore what-if scenarios with AI assistance
Your AI retirement co-pilot. Type any life scenario in plain English — AI models your entire financial future in seconds.
✦ Ask Nestly Lab anything
AI Future Scenarios
Type any life scenario in plain English. AI instantly models your portfolio, income, coverage, and survival probability across your entire retirement.
Plan Guard
Stress-test your plan against 20+ real-world shocks — recessions, healthcare crises, inflation spikes, and more.
AI Actions
AI ranks every possible improvement to your plan by impact — contribution changes, Social Security timing, withdrawal strategies, and more.
Full Feature Set
Everything your financial life needs.
Built for depth. Designed for clarity. One plan that covers every stage — from saving and growing to spending and leaving a legacy.
8,000
Simulations
261+
Inputs
14+
Modules
AI Actions
Free Sign-In
Every recommendation ranked by dollar impact — preview the effect on your plan before applying anything.
View free · apply with Pro
Nestly Lab
Free
Run side-by-side What-If comparisons — retire earlier, save more, move states — all on one chart.
2 free · up to 10 with Pro
AI Future Scenarios
Free
Save named plan snapshots to your library and return to them anytime across all your devices.
Up to 3 free · unlimited with Pro
Nestly Score
Free
A single 0–100 financial health score across four life pillars: coverage, stability, safety net, and longevity.
Score free · full pillar analysis with Pro
Plan Guard
Pro
Stress-test your plan against market crashes, job loss, inflation surges, and life curveballs.
Nestly Studio
Pro
Generate polished PDF future plans to share with your advisor, spouse, or estate planner.
Basic summary free
+ 5 more features on web
Cancel anytime.
Free
Start exploring — no account needed.
$0
Forever
✓
180+ configurable inputs
✓
500 Monte Carlo paths preview
✓
Nestly Score (number only)
✓
Up to 3 saved scenarios
✓
2 Nestly Lab comparisons
☁️ Cloud Sync
Free Sign-In
Sync your plan across all your devices.
$0
Forever
✓
Everything in Free
✓
Cross-device sync
✓
Up to 3 AI Future Scenarios
✓
1 AI Action apply per plan
✓
Pairing code for mobile sync
⚡ Most Popular
Nestly Pro
Full access to every tool Nestly offers.
$1.99
/mo or $19.99/yr
✓
8,000 Monte Carlo paths
✓
Unlimited AI Actions
✓
Unlimited AI Future Scenarios
✓
Nestly Score full pillar analysis
✓
Plan Guard stress tests
✓
Nestly Studio PDF reports
✓
All 261+ inputs + 14+ modules
All pricing shown in USD. Pro includes free 7-day trial. Billing billed monthly or annually.
Free. No account required. Takes 60 seconds.
Cancel anytime.
