Our projections are based on historical market data and sophisticated algorithms. However, they are estimates and actual results will vary based on market performance, your contributions, and other factors. We recommend using multiple scenarios to understand the range of possibilities.

Monte Carlo simulation runs thousands of potential scenarios using random variations based on historical market data. This gives you a probability-based view of your retirement outcomes rather than a single projection. It helps you understand the range of possible results.

In the calculator, you can add various income sources including 401(k), IRA, Social Security, pensions, and other investments. Click the "Add Income Source" button and select the type of income you want to include.

Yes! You can easily adjust your expected retirement age in the calculator inputs. The projections will automatically update to show how retiring earlier or later affects your savings.

Yes, your financial data is completely secure. Here's how: All your personal financial information (age, salary, savings, expenses) is stored locally on your device only—we never store it on our servers. When you run calculations, we only send anonymized data to our servers, which is immediately deleted after we send back the results. All data is transmitted using industry-standard HTTPS encryption with TLS 1.2+. For complete details, please review our full Privacy Policy.

Data syncing across devices is not currently available. All your financial information is stored locally on each device for maximum privacy and security. If you use Nestly on multiple devices (web, iOS, Android), you will need to enter your information separately on each device. We may add cloud sync in the future as an optional feature.

Deterministic mode gives you a single projection based on fixed assumptions. Comprehensive analysis includes multiple income sources and expenses. Monte Carlo mode runs thousands of simulations to show probability ranges.

Yes! Free users can export a basic PDF report of their projections. Pro users get comprehensive PDF reports with detailed analysis and visualizations for further analysis or to share with financial advisors.

We recommend reviewing and updating your projections at least annually, or whenever you have significant life changes like a salary increase, job change, or major expense.

No, Nestly provides calculators and projections for informational purposes only. We do not provide financial, investment, or tax advice. Please consult with qualified professionals for personalized advice.