Your Money. Every Chapter.
Whether you're 25 and just started saving, or 65 and figuring out how to make your money last — NestMint gives you the full picture. Project growth, plan withdrawals, and budget with confidence.
✓ 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. Model employer matches, catch-up contributions, and different return scenarios — then know exactly when you'll hit your first $100K, $500K, or $1M.
Nearing or In Retirement?
Model every income source — Social Security, pensions, IRAs, Roth — alongside real taxes, RMDs, and healthcare costs. Run Monte Carlo simulations and see the probability your money outlasts you.
Need a Budget?
Track income and spending against your retirement plan. See where your money actually goes, get alerted when your budget drifts from your projection, and plan for inflation year by year.
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.
Budget Tracker
See exactly where your money goes. Track income against your retirement plan, categorize spending, and get alerted when your budget drifts from your projection.
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.
Strategy Engine
Tests dozens of strategy combinations across withdrawal order, Roth conversions, and Social Security timing. Compares wealth, taxes, Medicare costs, and liquidity — then shows you the tradeoffs.
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.
Employer Match Optimizer
Are you leaving free money on the table? Find out how much your employer adds — and what you're missing.
Historical Backtest
How would your plan have done through 30 years of real S&P 500 returns — crashes, recoveries, and all?
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.
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.
Healthcare & Medicare
Model Medicare Parts B, D, Medigap premiums, and IRMAA surcharges through retirement. See how healthcare inflation compounds and what share of your spending goes to medical costs.
Strategy Engine
Tests dozens of strategy combinations across withdrawal orders, Roth conversions, and SS timing to find your best strategy. Compares wealth, taxes, Medicare costs, and liquidity in one view.
Spouse & Partner
Separate IRA and Roth tracking, independent SS benefits and RMDs, spousal employment income, and joint life expectancy — built for couples planning together.
IRMAA & Tax Strategy
Federal, state, and capital gains taxes modeled year by year. IRMAA surcharge projections with avoidance opportunities — see exactly when income crosses Medicare thresholds.
Budget Tracker
Track income and expenses by category with monthly, quarterly, or annual frequency. Save multiple budget scenarios and see how your spending plan connects to your retirement projections.
Save & Compare Scenarios
What if you retire at 62 instead of 67? Save up to 5 scenarios and compare them side-by-side.
Common Questions
Is my data safe?
Your data is stored securely and never sold or shared with third parties. All connections are encrypted. You can delete your account and all data at any time.
Does it connect to my brokerage accounts?
NestMint doesn't currently sync with brokerage accounts — you enter your balances manually. This keeps things simple and your credentials stay with you.
Is this right for me if I'm 30 years from retirement?
Absolutely. The Savings Estimator is built for people building toward retirement. Seeing your trajectory early — and understanding the impact of small changes — is exactly when it matters most.
How is this different from a spreadsheet?
A spreadsheet can't model Social Security adjustments, IRMAA surcharges, RMD calculations, Roth conversion tax efficiency, or Monte Carlo probability. NestMint handles all of it automatically — and the Strategy Engine tests dozens of combinations to find your optimal plan across withdrawal order, Roth conversions, and SS timing.
Can I share my plan with a financial advisor?
Yes — export a full PDF or CSV report with your inputs, projections, and year-by-year breakdown. Your advisor gets the detail they need without needing to log in.
What happens after the free trial?
You choose a plan — monthly, annual, or lifetime. No credit card is required to start the trial, and you can cancel any time before it ends with no charge.
Full Retirement Planning. $9.99 a Month.
Everything you need to plan retirement with confidence — at a price that makes sense.
- 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
- All features included
- 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.
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 $1 you contribute).
Maximum % of salary the employer will match on (e.g. 6% means they only match up to 6% of your salary).
Note: Salary is treated as fixed for the entire projection period. The employer match cap is based on this salary each year, even if your contributions increase annually.
Used to personalize tool suggestions and milestone labels
Set different return rates for different year ranges.
Contributions are assumed to occur evenly throughout the year. Monthly is the most realistic for typical investments.
Wealth Accumulation Over Time
Contributions vs. Investment Growth
| Year | Age | Beg. Balance | Mo. Contrib | Annual Contrib | Empl. Match | Cumul. Contrib | Interest (Yr) | Cumul. Interest | End Balance | % From Growth | Real Balance (2026$) | Mo. Income @ 4% |
|---|
Smart Planning Tools
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
Goal Milestones
Track when you'll hit key savings milestones. Based on your current inputs.
Roth Conversion Explorer
Should you convert some of your traditional IRA/401(k) to a Roth before retirement? Pay tax now at your known bracket, then grow and withdraw tax-free. Reduces future RMDs and Medicare surcharges.
The highest-leverage conversion window is before you retire
Once you stop working, income drops — but so does your control over it. RMDs starting at age 73 force withdrawals from your IRA whether you need the money or not, at ordinary income rates, in amounts that grow every year as your balance compounds.
The years between now and retirement are different. Your bracket is known. Your timeline is long. And every dollar you move to Roth now compounds tax-free for decades.
The question isn't whether to convert. It's how much, and when.
Advanced options
Federal + state, during conversion window
Federal + state, in retirement
Start Now vs. Wait
See the cost of waiting. Compare starting today vs. delaying by 1, 3, 5, or 10 years.
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)
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)
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
RMDs begin at age 73 (born 1951–1959) or 75 (born 1960+) under SECURE 2.0
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%)
Annual cost-of-living adjustment. SSA historical avg ~2.5%. Set to 0 to model flat benefits.
Set to life expectancy for lifetime pension.
Age range for employment income.
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 brokerage 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. IRMAA surcharges are based on your MAGI from 2 years prior (e.g., your 2026 Medicare premiums are determined by your 2024 income). For the first two years of your projection, NestMint uses the optional Prior Year MAGI fields below. If left blank, years 1–2 assume no IRMAA surcharge.
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.
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%.
Uses 2026 IRS tax brackets. Federal tax is computed progressively on taxable income after deductions.
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 and Roth conversions, giving a more complete picture of account depletion. Note: paying conversion taxes from outside accounts is generally more efficient.
Taxes paid from brokerage first — IRA compounds without tax-funding draws.
Configure long-term capital gains tax rate, brokerage gain estimates, auto-harvesting, and loss carryforward.
Retirement Dashboard
Simulation results for your retirement plan
📋 Scenario Inputs
Net Worth Projection
Income Sources by Year
Tax Summary by Year
Spending & Withdrawals
Account Balance by Type
Tax Rate by Year
Healthcare Cost by Year
Retirement Strategies
Actionable planning strategies based on your inputs above
Explores alternative retirement strategies by varying withdrawal orders, SS claiming ages, and Roth conversion levels. Compare how each approach affects your ending wealth, lifetime taxes, and Medicare costs — then apply the one that fits best.
Or compare saved scenarios side by side…
Deep Dive
Advanced analysis, what-if scenarios, and strategy deep dives
Roth Conversion Explorer
See how different Roth conversion strategies would affect your lifetime taxes, RMDs, and ending net worth. 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. A positive result means the upfront tax cost is outweighed by tax-free growth and lower future RMDs. A negative result means conversion costs more than it saves in your scenario — both outcomes are possible and the Explorer shows you which applies.
When does Roth conversion help — and when does it hurt?
The core question is your tax rate today vs. your tax rate later.
Converting makes sense when your marginal rate during the conversion window is lower than the rate you'd pay on future RMDs. In that case, you prepay tax at a discount and all future growth is tax-free. The benefit compounds over 20–30 years and can be substantial.
Converting hurts when your current marginal rate equals or exceeds your expected future RMD rate. You'd be paying more tax today to avoid less tax later — a net loss that also compounds over time.
What drives the future RMD rate? Once large income sources like a pension or employment income end, your taxable income often drops significantly. Social Security and RMDs alone may put you in a lower bracket than you're in today — especially in the years before RMDs begin. That's typically where the opportunity lies.
What raises your current conversion rate? Pension income, employment income, and Social Security all stack on top of any conversion amount, pushing the marginal rate on the converted dollars higher. If your income is already high, conversions may land in the 24–35% federal bracket before state tax is added.
The Explorer below runs both scenarios for you and shows the actual dollar impact. Check the tax rate column to see what rate each strategy is effectively paying — and compare that to your projected RMD-year rate.
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 — if one exists — is typically converting enough to fill your current tax bracket without jumping to the next one, or staying below the first IRMAA threshold. For some users, the optimal conversion amount is zero: if your income during the conversion window already exceeds your projected RMD rate, conversion increases lifetime taxes rather than reducing them. The Explorer's tax rate column shows the effective rate you'd pay on each strategy so you can compare it directly to your expected future rate.
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.
What-If Scenarios
Adjust assumptions and stress-test your retirement plan. Change return rates, life expectancy, inflation, SS timing, and spending to see how each affects your outcome.
Historical Backtest
Market Crash Stress Test
How would your plan survive a major market crash? Pick a scenario, choose when the crash hits, and see the impact — including the recovery rally.
Monte Carlo Simulation
Run your retirement plan through 1,000 randomized market scenarios based on historical patterns. Instead of one straight-line projection, see the probability that your funds will last and the range of possible outcomes.
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.
Brokerage Gain / Basis Estimator
A sanity check on the Gain % you've entered in Tax Settings. Enter your estimated embedded gain today, and this tool projects how the blended gain % in your brokerage will actually evolve over time — accounting for fully-taxed RMD inflows (which arrive at 100% basis) and investment growth (which adds pure gain). If the projected line diverges significantly from your flat assumption, your cap gains tax estimates may be off.
Your best estimate today — check your brokerage statement for unrealized gain. Leave blank to assume 0% (no embedded gain on Day 1). Note: a higher % is more cautious from a tax perspective.
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.
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.
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.
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.
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.
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%.
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.
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.
Validation & Debug
Inspect the year-by-year simulation data, export to CSV for external verification, and review engine diagnostics. Useful for validating results against your own spreadsheet or tax preparer’s projections.
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 | HC Base | HC IRMAA | Spend W/D | Spcl W/D | Ord Tax Inc | Deduction ⓘ | Est Tax Inc | Brkt Room | Brkt Used | 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). Note: If the Enhanced Senior Deduction (One Big Beautiful Bill, 2025–2028) is enabled, you will see a step-down in the Deduction column in the first year after it expires — this is correct and reflects the provision's scheduled end date.
Bracket Fill (Tax-Smart): Brkt Room = how much IRA withdrawal room exists before hitting the target bracket ceiling (ceiling − base income). Brkt Used = actual IRA withdrawal taken to fill the bracket; this amount is included in Ord Tax Inc and taxed accordingly. If RMD exceeds the room, the excess is reinvested into brokerage. These columns are zero when not using Tax-Smart withdrawal order. Click any cell for the full breakdown.
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.
Budget Tracker
Track every dollar in and out — whether it's a paycheck or a pension.
Income Sources
Monthly Expenses
Income vs Expenses
Expense Breakdown
Monthly expenses by category
Inflation Projection
My Profile
Saved Scenarios & Data
All your saved work in one place. Click any item to open it.
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