Retirement Planning · Free to start

Will your savings actually last?

NestCalc runs 1,000 simulated retirements with randomized market conditions — and builds a year-by-year withdrawal plan designed to minimize taxes and maximize what you leave behind.

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Answer 8 quick questions — ~5 minutes, no account needed.

No account required to start Inputs stay in your browser; optional accounts use encrypted storage.
Your Retirement Outlook
89% success
✓ Strong outlook

891 of 1,000 simulations end with money remaining at age 96.

Year-by-Year Plan (sample)
62
$2.1M$8.2K tax12% bracket
67
$2.4M$9.1K tax+ SS $3.2K/mo
75
$2.7M$14K taxRMD $94K
85
$2.1M$11K taxRoth supplement
Pre-59½: Taxable first 60–74: Fill 12% bracket 75+: RMD + Roth

How it works

Three steps to your retirement plan

No account required — run it and get your full results in minutes. The calculator and complete results are free; your inputs stay in your browser and are never shared.

01
Enter your savings & income
Add your taxable brokerage accounts, Traditional IRA/401k, and Roth accounts. Include Social Security, pension, or any income you'll receive in retirement.
Takes ~5 minutes
02
Run 1,000 market simulations
Monte Carlo simulation generates 1,000 randomized return sequences — boom years, crashes, and everything between — to calculate your real probability of success.
Instant results
03
Get your withdrawal blueprint
A year-by-year plan showing exactly which account to draw from each year, your estimated federal tax, RMD amounts, and plain-English strategy notes.
Tax-optimized
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What’s inside

Built for real retirement complexity

Not a simple “4% rule” calculator. NestCalc models the messy details that actually determine whether your plan works. Unlike most free calculators that assume a single flat return, NestCalc simulates 1,000 randomized markets and computes your actual tax bill — federal, state, and IRMAA.

🎲
Monte Carlo Simulation
📋
IRS RMD Calculations
💰
Tax-Efficient Withdrawal Plan
🏦
Capital Gains Stacking
🏠
Estate Preservation Logic
⚙
Adjustable Assumptions

Pricing

Start free. Upgrade when it matters.

The full calculator is free, forever. Premium is for when you want a polished report to share with a spouse or advisor.

Free

$0

forever

  • ✓ Full Monte Carlo calculator
  • ✓ 1,000 market scenarios
  • ✓ Year-by-year withdrawal plan
  • ✓ Federal + WA tax modeling
  • ✓ RMD, IRMAA & Roth optimizer
Start free →

Most popular

Premium Report

$19

one-time

  • ✓ Everything in Free
  • ✓ Full year-by-year withdrawal plan
  • ✓ Strategy levers: Roth, ACA & cash buffer
  • ✓ Printable PDF report
  • ✓ Share with spouse or advisor

Secure checkout by Stripe. 30-day money-back guarantee.

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No account required to start

Jump straight in — your inputs stay in your browser. Nothing to sign up for, nothing to link.

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Inputs stay in your browser; optional accounts use encrypted storage.

Your financial information is used only to build your retirement plan. Nothing else.