🎉 This is a free version with some pro features unlocked for you to try
You only need 4 pieces of information to create your first projection:
• Your current age
• Your target retirement age
• Your current 401(k) balance
• Your annual contribution
Click on "Calculator" in the main navigation menu or start from the home page. You'll see the retirement planning calculator with input fields for your financial information.
Enter your age in years. This is used to calculate how many working years you have left.
Enter the age when you plan to retire. The calculator will show projections until this age and beyond.
Enter your current retirement account balance. Include all 401(k)s, IRAs, and other retirement savings. This is your starting point.
Enter how much you contribute to your 401(k) each year. This typically comes directly from your paycheck.
This is the average annual investment return. Historical stock market returns are around 10% annually, but this varies by portfolio mix. Conservative portfolios might be 6-7%, aggressive 9-11%. This is a key assumption that affects your results.
The rate at which the cost of living increases. The long-term U.S. average is around 3%. This affects how much your money needs to stretch in retirement.
Click the "Calculate" button to run your projection. Nestly will calculate your retirement projections and display the results instantly.
See your projected retirement balance at your target retirement age and at age 95. This shows if you're on track for your retirement goals.
A visual chart showing how your retirement balance grows over time. This helps you see your financial trajectory.
See how your withdrawal income will change year by year during retirement, including any other income sources.
Once you have your base projection, experiment with different scenarios to see what impacts your retirement:
See how retiring at 62, 67, or 70 affects your savings. Working longer gives you more time to save.
See how contributing more (like with a raise or bonus) accelerates your retirement savings.
See how different portfolio performance affects your results. Try conservative, moderate, and aggressive scenarios.
Factor in Social Security, pensions, or other sources of retirement income.
Instead of a single projection, see thousands of potential outcomes with their probabilities. This shows the likelihood of success across different market conditions.
Include medical expenses in your retirement planning. This helps you account for healthcare inflation.
Add Roth IRAs, brokerage accounts, and other investments. Nestly tracks all accounts together.
Mark major changes like marriage, career changes, or home purchases to see their impact on your retirement.
Once you're happy with your projection:
Export a basic PDF report to share or save your projection.
Export comprehensive PDF reports with detailed charts, analysis, and visualizations to share with financial advisors.
Historical averages are helpful, but past performance doesn't guarantee future results. Use a range of scenarios.
Review and update your projections every year. Your actual balance, goals, and market conditions change.
Try different scenarios (conservative, moderate, aggressive) to see the range of possibilities.
Include Social Security, pensions, and other sources. This gives you a complete picture.
All your information is stored locally on your device. We never store or sell your data. See our Privacy Policy.
Have questions? Check our Help Center.
