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What-If Scenario Planner

Compare savings strategies side by side and visualize how different return, savings, and retirement-age choices shape your financial future.

Current Age

Retirement Age

years

Life Expectancy

yrs

How long you plan for (default: 95)

Annual Salary

$

Used for Contribution Co-Pilot and income estimates

Available Tax Inputs
Tax Year
Filing Status
Tax State
Federal Bracket
Pro Feature: Tax Planning

Free users can view all configurable tax levers; Pro unlocks editing and what-if tax optimization.

Tax Year

Filing Status

Tax State

Federal Bracket

Capital Gains

Deduction

Itemized Amount

$

Charitable Giving

$

State Rate Override

%

Effective Rate Override

%

Include IRMAA Surcharge

Roth Conversion Plan

Auto filing status uses married only when both spouses are projected alive at retirement; otherwise single. Use US if you only want federal + IRMAA assumptions.

Current Balance

$

401(k) Contribution Mode

Age 30 (2026) 401(k): $10,000Employee: $10,000
Age 50 (2046) 401(k): $10,000Employee: $10,000
Age 60 (2056) 401(k): $10,000Employee: $10,000
Age 64 (2060) 401(k): $10,000Employee: $10,000
Auto mode follows yearly IRS limits without optional catch-up boosts.
Auto mode here applies to 401(k) only. IRA and HSA modes are set in Other Income & Investments.
Quick Picksⓘ
2026 IRS limit: $24,000 employee / $24,000 with catch-up

Annual Contribution: $10.0k

2026Limit

Other income & investment presets

Select a preset to create a dedicated section. Each chip stays active while entries exist so you can add, edit, or remove multiple rows per income or account type.

Company Pension
Rental Property
Annual Bonus
Savings/CD Ladder
Side Income
Roth IRA Ladder
Taxable Brokerage
Traditional IRA
Health Savings Account

No income sources or accounts yet. Use the chips above to start modeling additional retirement inflows.

Add first entry

Marriage Boost
Start a Family
College Tuition
Career Break
Retire Early
Custom Event

No events added yet. Start with a preset or create your own recurring boost or expense.

Add custom event

Available Medicare Inputs
Enrollment Age
Current Plan Path
Part B Monthly

$

Out-of-Pocket Annual

$

Pro Feature: Medicare Decisioning

See exactly which Medicare assumptions are configurable, then upgrade when you want to apply and test them.

Available Estate Inputs
Legacy Goal

$

Annual Gift Exclusion

$

Include Primary Home
Step-up in Basis
Pro Feature: Estate & Legacy

Preview the estate planning inputs now, and unlock them when you are ready to model legacy outcomes.

Debt & Liabilities

Debt Payoff Strategy

No debts added.

Insurance

Term Life Insurance

Long-Term Care Insurance

Disability Benefit

$

Disability Premium

$

Windfalls

No windfalls added.

Available Advanced Inputs
Annuities
Spending Curve
Essential Expenses

$

Return Distribution
Pro Feature: Advanced Planning

Preview every advanced control now; Pro lets you tune them and measure plan resilience in detail.

Annuities

No annuities added.

Spending Profile

Retirement Spending Rate

%

Spending Curve

Essential Expenses

$

Discretionary Budget

$

Budgeted target $0/mo
Monte Carlo Controls

Return Distribution

Volatility Override

%

Correlations

Control how income is drawn across taxable and tax-advantaged accounts

PRO

Advanced Withdrawal Strategy Analysis

Free/Standard: Documents your strategy choice (numbers remain same)
Premium: Tracks separate 401(k), Roth, and Brokerage accounts with real tax impact — typically shows 15-25% more after-tax retirement income with tax-efficient withdrawals

Expected Return: 7.0%

Balanced

Inflation: 3.0%

Moderate Inflation

Target Mode

$4,444/mo

Auto: 80% of household income

80% × $5,556/mo household income

Confidence: medium. This target drives coverage %, gap, and plan actions.

Income Coverage
39%
61% gap to full coverage
Portfolio at Retirement

$681.0K

in today's dollars
Baseline$681.0K
What-if$681.0K
Key Metrics
35
Years to Retire
Age 65
Retirement Age

$350.0K

Contributions

$1.52M

Growth
Retirement Income
$2,177
Monthly
$26.1K
Annual
Based on 4% safe withdrawal rate
Quick Wins

61% gap • $40.5K/yr

+$100/mo contributions

Current $833/mo

Retire 2 years later

Now 35 yrs to retire

Increase stock allocation

Higher growth potential
Potential Impact

39%

→

67%

Coverage

$681.0K
Current Portfolio
→
$851.2K
Potential

Up to +28% coverage with these changes

Compare the selected scenario directly with your baseline scenario

ScenarioSavings RateAnnual ContributionFinal BalanceΔ vs BaselineTrajectoryCoverageView

Baseline

Baseline

10.0%

$10,000

$680,985

—

39.2%
Final Balance
$680,985
+$0 vs baseline
Coverage
39.2%
+0% vs baseline
Annual Contribution
$10,000
+$0 vs baseline
Savings Rate
10%
+0% vs baseline

Rankings and performance metrics for all scenarios

Best Growth
—
Best Coverage
—
Most Efficient
—
Top Scenarios by Final Balance

Baseline

39.2% coverage • 10% savings rate
$680,985

Medicare Path

Current: Original + Medigap + Part D • Recommended: Medicare Advantage

+$2,400/yr

Year-by-Year Comparison
Year-by-Year
Age 31
Contribution

$10,000

Growth

$1,650

Withdrawal

$0

End Balance

$61,650

Age 32
Contribution

$10,000

Growth

$1,820

Withdrawal

$0

End Balance

$73,471

Age 33
Contribution

$10,000

Growth

$2,005

Withdrawal

$0

End Balance

$85,475

Age 34
Contribution

$10,000

Growth

$2,204

Withdrawal

$0

End Balance

$97,680

Age 35
Contribution

$10,000

Growth

$2,419

Withdrawal

$0

End Balance

$110,099

Age 36
Contribution

$10,000

Growth

$2,651

Withdrawal

$0

End Balance

$122,750

Age 37
Contribution

$10,000

Growth

$2,898

Withdrawal

$0

End Balance

$135,647

Age 38
Contribution

$10,000

Growth

$3,162

Withdrawal

$0

End Balance

$148,809

Age 39
Contribution

$10,000

Growth

$3,443

Withdrawal

$0

End Balance

$162,253

Age 40
Contribution

$10,000

Growth

$3,742

Withdrawal

$0

End Balance

$175,995

Age 41
Contribution

$10,000

Growth

$4,059

Withdrawal

$0

End Balance

$190,054

Age 42
Contribution

$10,000

Growth

$4,395

Withdrawal

$0

End Balance

$204,448

Age 43
Contribution

$10,000

Growth

$4,749

Withdrawal

$0

End Balance

$219,197

Age 44
Contribution

$10,000

Growth

$5,124

Withdrawal

$0

End Balance

$234,321

Age 45
Contribution

$10,000

Growth

$5,518

Withdrawal

$0

End Balance

$249,839

Age 46
Contribution

$10,000

Growth

$5,934

Withdrawal

$0

End Balance

$265,774

Age 47
Contribution

$10,000

Growth

$6,371

Withdrawal

$0

End Balance

$282,145

Age 48
Contribution

$10,000

Growth

$6,831

Withdrawal

$0

End Balance

$298,976

Age 49
Contribution

$10,000

Growth

$7,314

Withdrawal

$0

End Balance

$316,290

Age 50
Contribution

$10,000

Growth

$7,820

Withdrawal

$0

End Balance

$334,110

Age 51
Contribution

$10,000

Growth

$8,351

Withdrawal

$0

End Balance

$352,460

Age 52
Contribution

$10,000

Growth

$8,907

Withdrawal

$0

End Balance

$371,367

Age 53
Contribution

$10,000

Growth

$9,489

Withdrawal

$0

End Balance

$390,856

Age 54
Contribution

$10,000

Growth

$10,098

Withdrawal

$0

End Balance

$410,954

Age 55
Contribution

$10,000

Growth

$10,735

Withdrawal

$0

End Balance

$431,690

Age 56
Contribution

$10,000

Growth

$11,402

Withdrawal

$0

End Balance

$453,091

Age 57
Contribution

$10,000

Growth

$12,098

Withdrawal

$0

End Balance

$475,189

Age 58
Contribution

$10,000

Growth

$12,825

Withdrawal

$0

End Balance

$498,013

Age 59
Contribution

$10,000

Growth

$13,584

Withdrawal

$0

End Balance

$521,597

Age 60
Contribution

$10,000

Growth

$14,376

Withdrawal

$0

End Balance

$545,973

Age 61
Contribution

$10,000

Growth

$15,203

Withdrawal

$0

End Balance

$571,176

Age 62
Contribution

$10,000

Growth

$16,065

Withdrawal

$0

End Balance

$597,241

Age 63
Contribution

$10,000

Growth

$16,964

Withdrawal

$0

End Balance

$624,205

Age 64
Contribution

$10,000

Growth

$17,901

Withdrawal

$0

End Balance

$652,107

Age 65
Contribution

$0

Growth

$28,878

Withdrawal

$0

End Balance

$680,985

Age 66
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 67
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 68
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 69
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 70
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 71
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 72
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 73
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 74
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 75
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 76
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 77
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 78
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 79
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 80
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 81
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 82
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 83
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 84
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 85
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 86
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 87
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 88
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 89
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 90
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 91
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 92
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 93
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 94
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 95
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

What-If Calculator - Nestly