Retirement Planning · Free

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.

Build Your Plan →
No account required to start Encrypted storage. Zero data sharing.
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
73
$2.7M$14K taxRMD $94K
85
$2.1M$11K taxRoth supplement
Pre-59½: Taxable first 60–72: Fill 12% bracket 73+: RMD + Roth

How it works

Three steps to your retirement plan

No account required — run it and get your full plan in minutes. Want to save your inputs? Create an account anytime — it's yours to keep, no cost.

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 about 3 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
Start my plan →

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.

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

No account required to start

Jump straight in — save your plan with an account whenever you're ready.

🔐

Encrypted storage. Zero data sharing.

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