Grow Your Money, Every Stage
Whether you're 25 and just started saving or 65 and planning your next chapter — NestMint gives you the full picture. Project growth, model withdrawals, and budget with confidence. All for less than the cost of two coffees a month.
✓ 14-day free trial · No credit card required · Cancel anytime
Pick Your Starting Point
One tool, three ways in — depending on where you are in your journey
Building Savings?
See how your monthly contributions compound over 10, 20, or 30 years. Find out what skipping a latte or cutting a car payment could really mean.
Nearing or In Retirement?
Model IRAs, 401Ks, Pensions, SS, withdrawals, taxes, and Roth conversions. Know exactly how long your money lasts under different scenarios.
Need a Monthly Budget?
Track income and spending month by month. See your cash flow at a glance and make sure you're living within your plan.
See What You Get
Real tools, real projections — not generic advice
Savings Estimator
Plug in your numbers and watch them grow. See how compounding, employer matches, and small contribution bumps add up over decades. Know exactly when you'll hit $100K, $500K, or $1M.
Retirement Planner
Combine Social Security, pensions, IRAs, and taxable accounts into one projection. Model tax-efficient withdrawals, Roth conversions, and spending phases — then stress-test it all with Monte Carlo simulations.
Monthly Budget Tracker
Whether you're tracking a paycheck or a pension, see exactly where your money goes each month. Categorize spending, spot trends, and stay on plan.
Roth Conversion Explorer
Should you convert? How much? NestMint models the tax hit now vs. the tax savings later, shows your break-even age, and projects lifetime impact.
Inside the App
Actual screenshots from NestMint — what you see is what you get
Retirement Dashboard
KPI cards, net worth projection, income sources — all generated from your inputs in seconds.
Savings Estimator
Enter your savings, set your contribution, and watch the chart update in real time.
Budget Tracker
Track income and expenses with smart insights that flag potential issues before they become problems.
Everything You Need in One Place
Tools that grow with you — from your first contribution to your last budget check
For Savers & Builders
Compound Growth Projections
See exactly how your savings grow year by year — with increasing contributions and compound returns visualized.
Milestone Tracking
Know when you'll hit $100K, $500K, or $1M. Track 10+ milestones automatically as your plan evolves.
Employer Match Optimizer
Are you leaving free money on the table? Find out how much your employer adds — and what you're missing.
Cost of Waiting
See what delaying even 3 years costs you in real dollars. The most persuasive chart you'll ever see.
Historical Backtest
How would your plan have done through 30 years of real S&P 500 returns — crashes, recoveries, and all?
Fast.
For Retirees & Planners
Smart Withdrawal Order
Draw from IRA, Roth, and taxable accounts in the right sequence to minimize lifetime taxes.
Social Security Optimizer
Compare claiming at 62 vs. 67 vs. 70. See exactly how timing changes your lifetime benefits and portfolio runway.
Roth Conversion Explorer
Model partial conversions to reduce future RMDs and lifetime taxes. See the break-even year and tax cost upfront.
RMD Calculations
Required minimum distributions handled automatically with current IRS tables. Never miss one.
Monte Carlo & What-If
Run 1,000 simulations with random market returns or tweak any assumption on the fly. See the probability your money outlasts you.
Tax Strategy & Tax Funding
Federal, state, and capital gains taxes modeled automatically. Choose to fund IRA/401k withdrawal taxes or all taxes from accounts, with gross-up calculations built in.
Healthcare & Medicare
Model Medicare Parts B, D, and Medigap premiums. See how healthcare costs change over a 30-year retirement.
Variable Spending Phases
Spend more in early retirement, less later — or vice versa. Define custom phases with inflation resetting at each stage.
Historical Backtest
Replay your plan through 30 years of real S&P 500 returns — dot-com crash, 2008, COVID, and all.
Impact of Moving to Another State
Thinking about relocating? Compare how moving to a different state changes your tax bill, spending power, and how long your money lasts.
11 Retirement Strategies
Withdrawal order, investment allocation, risk analysis, timeline planning, strategy comparison, and more — all interactive.
Upload Your Old Spreadsheet
Bring your existing retirement spreadsheet with you. Upload CSV or Excel files to your account for easy reference while you explore what NestMint can do. Your data stays private and accessible anytime.
For Everyone
Save & Compare Scenarios
What if you retire at 62 instead of 67? Save up to 5 scenarios and compare them side-by-side.
PDF & CSV Exports
Download detailed reports to share with a spouse, advisor, or just keep for your records.
Capital Loss Carryforward
Offset gains and deduct up to $3K/year against income — tracked automatically through your entire plan.
Built-in Scratchpad
Jot down notes, reminders, and “what-if” ideas without leaving the tool. Always one click away.
Retirement Planning Shouldn't Cost a Fortune
Competitors charge $109–$144 per year. NestMint gives you more for less.
- All planning tools included
- Save up to 5 scenarios
- PDF & CSV exports
- Cancel anytime
- Everything in Monthly
- 2 months free
- Priority support
- Lock in your rate
- Everything in Annual
- No recurring charges ever
- All future updates included
- Founding member status
Your 14-day free trial includes every feature with no restrictions. No credit card required to start. Cancel anytime. Lifetime access is for the operational life of NestMint.
Compare: Boldin $144/yr · ProjectionLab $109/yr · Pralana $109 · MaxiFi $109–$159/yr · NestMint $89.99/yr
Savings Estimator
See how small, consistent savings turn into serious wealth over time.
Current Savings
401(k), IRA, or other retirement accounts you already have.
Brokerage accounts, savings, CDs, etc.
Contribution & Growth
Employer Match Not set
Percentage of your contribution the employer matches (e.g. 50% = $0.50 per $1 you contribute).
Maximum % of salary the employer will match on (e.g. 6% means they only match up to 6% of your salary).
Note: Salary is treated as fixed for the entire projection period. The employer match cap is based on this salary each year, even if your contributions increase annually.
Set different return rates for different year ranges.
Contributions are assumed to occur evenly throughout the year. Monthly is the most realistic for typical investments.
Wealth Accumulation Over Time
Contributions vs. Investment Growth
| Year | Mo. Contrib | Annual Contrib | Empl. Match | Cumul. Contrib | Interest (Yr) | Cumul. Interest | End Balance |
|---|
Smart Planning Tools
Goal Milestones
Track when you'll hit key savings milestones. Based on your current inputs.
Employer Match Optimizer
See how much free money you're leaving on the table. Enter your employer's match terms.
% of your contribution they match
Max % of salary they'll match on
Start Now vs. Wait
See the cost of waiting. Compare starting today vs. delaying by 1, 3, 5, or 10 years.
Catch-Up Contribution Planner
If you're 50+, IRS rules let you contribute extra to 401(k) and IRA accounts. See how much more you could save. (2026 limits)
Investment Strategy Planner
Figure out how much to put into each account type based on your income and risk tolerance. Follows the classic priority order: get the employer match, then max tax-advantaged accounts. (2026 IRS limits)
Roth Conversion Explorer
Should you convert some of your traditional IRA/401(k) to a Roth before retirement? This tool compares keeping everything in a traditional account vs. converting a portion each year. It factors in the upfront tax cost, tax-free Roth growth, your current bracket, and the 5-year rule. Converting during your working years can reduce future RMDs, avoid Medicare surcharges, and give decades of tax-free compounding.
New money you add each year to traditional accounts
How much to move from traditional to Roth each year
Number of years to execute conversions
Enter your income so the tool can estimate your federal marginal bracket now and in retirement.
Salary, wages, or business income before tax
Part-time work, rental, etc.
Your state's marginal rate (0% for no-tax states)
Best practice. If unchecked, tax is taken from the conversion amount, reducing what goes to Roth.
Historical Backtest
What if you had started saving with your current contribution plan 30 years ago? This compares your flat-rate projection against what actually happened in the S&P 500 — including the dot-com crash, 2008 financial crisis, and COVID. See how real market volatility would have affected your savings growth.
Quick Year-by-Year Breakdown
| Year | Annual Contribution | Cumulative Contributions | Total Investment Growth | End Balance |
|---|
Goal Simulator
Explore different savings scenarios — solve for the missing variable.
Your current retirement savings — applies to all simulators below.
Monthly Contribution
How much do I need to save each month to reach my goal?
Years to Goal
How many years will it take to reach my savings target?
Required Return
What annual return rate do I need to hit my savings target?
Future Balance
What will my balance be at a specific age given my current plan?
Retirement Planner
Model income, withdrawals, taxes, and spending — know exactly how long your money lasts.
Personal Information
Account Balances at Retirement
Income Sources
Enter the benefit amount for the age you plan to claim. Find yours at ssa.gov/myaccount or on your annual SSA statement.
62 = reduced (~70%), 67 = full, 70 = max (~124%)
Set to life expectancy for lifetime pension.
e.g., set to 75 for a 10-year company pension.
Duration of employment from retirement.
Spending & Withdrawal Strategy
Adjusted annually for inflation.
Define your own spending phases. Set the end year for each phase and the annual amount. The last phase covers all remaining years.
Spending adjusts dynamically based on portfolio performance. Set an initial spending amount and guardrail thresholds.
Initial spending is adjusted annually for inflation, then guardrails are checked. Based on the Guyton-Klinger dynamic spending approach.
Draw from taxable accounts first, then traditional IRA, then Roth. RMDs are always taken.
When withdrawals are taken each year. Affects how much growth applies before money leaves the account. "Equal Throughout" models monthly withdrawals spread across the year.
Special Withdrawals/Deposits
Withdrawals
One-time or multi-year extra withdrawals added on top of regular spending. Set From and To to the same year for a single-year withdrawal. Month controls when in the year the withdrawal occurs (affects growth).
Deposits
One-time lump-sum deposits of after-tax money (e.g., home sale, inheritance, life insurance). Funds are added to your taxable account balance. Month controls when in the year the deposit occurs (affects growth).
Roth Conversion
Move money from Traditional IRA/401(k) to Roth. The converted amount is taxed as ordinary income in the year of conversion, but then grows and withdraws tax-free. Leave amount at $0 to skip.
Tip: Use the Roth Explorer strategy tool to find the optimal conversion amount, then enter it here to include it in your main projection.
Healthcare & Medicare
Adds Medicare Part B, Part D, Medigap, IRMAA surcharges, and out-of-pocket costs to your annual spending. Costs grow at the healthcare inflation rate.
Investment Assumptions
Set different return rates for different retirement phases.
Tax Assumptions
Withdrawals from IRA/401k are always taxed as ordinary income. Check additional income types to include in your tax calculation.
Unused capital losses from prior years. Offsets gains first, then up to $3,000/yr against ordinary income.
Auto-set by filing status (2026 IRS amount).
$1,650/person MFJ, $2,050 single (2026). Only applies with standard deduction.
Up to $6,000/person ($12,000 MFJ). Phases out at MAGI > $75K single / $150K MFJ. Applies to both standard and itemized filers.
Determines tax brackets, standard deduction amounts, and LTCG thresholds.
Annual inflation adjustment for tax brackets, standard deduction, and LTCG thresholds. Set to 0% to use fixed 2026 levels. Historical IRS adjustments average ~2-3%.
Applies a single flat federal tax rate to all ordinary income.
Withdraws additional money from accounts to cover taxes on IRA/401k distributions, with gross-up when paid from IRA.
Also fund taxes on these income streams:
Withdraws additional money from accounts to cover taxes on selected income streams, giving a more complete picture of account depletion.
Retirement Dashboard
Simulation results for your retirement plan
Net Worth Projection
Income Sources by Year
Tax Summary by Year
Spending & Withdrawals
Retirement Strategies
Actionable planning strategies based on your inputs above
Withdrawal Strategy
Compare different withdrawal sequences to see which order of drawing from your accounts preserves wealth the longest. Your current withdrawal order setting from the inputs above is highlighted.
Spending Strategy
Evaluate whether your planned spending is sustainable. See your effective withdrawal rate, how it compares to common benchmarks, and when adjustments might be needed.
Tax Strategy
Understand your effective tax rate in retirement and explore strategies to minimize lifetime taxes. Includes tax bracket analysis and the impact of relocating to a different state.
Risk Strategy
Comprehensive risk analysis with Monte Carlo success probability, tax burden, RMD exposure, and 5 more risk factors. Adjust the scenario sliders below to stress-test how changing assumptions affects your risk profile — without changing your main inputs.
What if you retired 30 years ago with your current balances? This shows how actual S&P 500 returns — including the dot-com crash, 2008 financial crisis, and COVID — would have affected your portfolio.
Investment Allocation Strategy
Get age-appropriate asset allocation suggestions for your retirement accounts. See how shifting between stocks, bonds, and cash affects your projected outcomes over time.
Roth Conversion Explorer
See how different Roth conversion strategies would affect your lifetime taxes, RMDs, and ending Roth balance. The Explorer runs your full retirement simulation with and without conversions and compares the results. Tax on conversions is fully included — the converted amount is added to your taxable income each year, taxed at your federal + state rate, and reflected in all totals. Positive tax savings means the upfront tax you pay now is more than offset by tax-free Roth growth and lower RMDs later.
How much should I convert? Key considerations
There is no IRS limit on how much you can convert per year. However, bigger is not always better. Key trade-offs:
- Tax bracket jumping: Each dollar converted is added to your taxable income. Large conversions push you into higher brackets (e.g., from 22% to 32% or 37%), meaning you pay a steep rate on the incremental dollars.
- IRMAA surcharges: Conversions increase your MAGI, which Medicare uses (with a 2-year lookback) to set Part B & D premiums. Crossing thresholds can add $2,000–$8,000+/yr in premiums.
- Paying tax now vs. later: You pay tax upfront on conversions. If your future tax rate (on RMDs) would be lower than your current marginal rate on the conversion, you may pay more tax than you save.
- Deduction phase-outs: Higher income from conversions can reduce or eliminate the senior tax deduction ($6,000) and SALT deduction cap benefits.
- Estimated tax penalties: Large late-year conversions can trigger IRS underpayment penalties if you haven't made sufficient quarterly estimated payments.
The sweet spot is typically converting enough to "fill" your current tax bracket without jumping to the next one, or staying below the first IRMAA threshold. The optimizer's "Tax Rate" column helps you see the effective rate you'd pay on each strategy.
These constraints apply only to "Find Best Strategy". IRMAA cap keeps MAGI below the first surcharge tier. Max bracket limits conversions. Min liquidity ensures brokerage stays above this floor.
Social Security Strategy
Compare claiming Social Security at different ages to see how each option affects your lifetime benefits, ending balance, and total income. Includes break-even analysis and COLA growth projections.
Cost-of-living adjustment applied each year. Historical average is ~2.6%.
RMD Strategy
Review your projected Required Minimum Distribution schedule starting at age 73, based on your projected IRA/401(k) balance at that age (not your current balance). RMD amounts are calculated using the IRS Uniform Lifetime Table. See how RMDs grow over time, their tax impact, and strategies to reduce them through early withdrawals or Roth conversions.
Timeline Strategy
See a visual timeline of key retirement milestones — from Social Security eligibility and Medicare enrollment to RMD start dates, spending phase changes, and projected fund depletion. Understand what happens at each stage.
Healthcare Strategy
Model Medicare premiums, IRMAA surcharges, Medigap supplements, and out-of-pocket costs through retirement. Healthcare inflation (~5.8%) outpaces general inflation — see how it compounds and what share of your spending goes to medical costs.
Potential Strategy
Your unified strategy recommendation engine. Analyzes withdrawal orders, SS claiming ages, and Roth conversions, scores them across 7 weighted metrics — wealth, taxes, IRMAA, liquidity, and scenario robustness — then recommends the single best strategy for your situation. See the tradeoffs, understand why, and apply it in one click.
Or compare saved scenarios side by side…
Legacy Planning
Understand what you leave behind and how it may be taxed
| Age | Year | Beg Bal | Growth | SS Inc | Pension | Employ | RMD | Exc RMD | Spend Need | Spend W/D | Spcl W/D | Ord Tax Inc | Deduction | Est Tax Inc | Roth Conv | Cap Gain | Cap L Used | Net Gain | Loss C/O | Base Fed | Base St | CG Tax | G-U Tax | Tot Tax | Spend W/D | Spcl W/D | Tax W/D | Tot W/D | Spcl Dep | IRA/401k | Roth | Brokerage | End Bal |
|---|
Withdrawals: Spend W/D = withdrawal for living expenses. Spcl W/D = special withdrawal (also taxed). Tax W/D = withdrawal to fund taxes. Tot W/D = Spend W/D + Spcl W/D + Tax W/D. Spend W/D appears twice: once next to Spend Need (includes Spcl W/D) and again in the withdrawal math section (excludes Spcl W/D, shown separately).
Income & Tax: Ord Tax Inc = ordinary taxable income before deductions. Deduction = standard or custom deduction applied. Est Tax Inc = Ord Tax Inc − Deduction (estimated taxable income, ties to Tax Bracket Management). Roth Conv = amount converted from Traditional to Roth (included in Ord Tax Inc).
Capital Gains: Cap Gain = gross capital gain from brokerage withdrawals. Cap L Used = capital loss carryforward applied against gains. Net Gain = Cap Gain − Cap L Used. Loss C/O = remaining capital loss carryforward.
Tax Computation: Base Fed = federal tax on ordinary income. Base St = state tax on ordinary income. CG Tax = Net Gain × LTCG rate. G-U Tax = gross-up tax from funding taxes via IRA. Tot Tax = Base Fed + Base St + CG Tax + G-U Tax.
Monthly Budget Tracker
Track every dollar in and out — whether it's a paycheck or a pension.
Income Sources
Monthly Expenses
Expense Breakdown
Monthly expenses by category
My Profile
Saved Scenarios & Data
All your saved work in one place. Click any item to open it.
Savings Estimator Scenarios
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Retirement Planner Scenarios
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Budget Tracker Scenarios
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Other Saved Data
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