Nestly Advisor vs RetIQ

Nestly: Retirement Planning, Simplified See your retirement future clearly. Nestly brings your income, savings, taxes, Social Security, housing, and risk into one connected plan so you can make better decisions faster. AI Future Copilot Get plain-English guidance on what to do next. Nestly's AI Future Copilot highlights opportunities, explains tradeoffs, and helps you test changes before you commit. Nestly Lab — Try Any Strategy Instantly Explore what-if scenarios with AI in one dedicated workspace. Compare Baseline against any saved scenario side by side, and see the impact ripple through your whole plan the moment you change a number. 12 Predefined Scenario Templates Start instantly with 12 built-in templates for common retirement situations, then clone and customize them for your own plan. What-If Scenarios Adjust retirement age, savings rate, Social Security timing, and more to see full-plan impact instantly. Read & Try: Learn From Real Articles, Then Test Them Retirement Insights articles are curated to your plan's weakest pillar. Any article with a flask icon lets you apply that exact strategy to your own numbers in one tap — no manual re-entry, no signup required. Plan Guard Stress-test your plan against real-world shocks — market drops, inflation spikes, longevity risk — and get a clear read on how resilient your future plan really is before you commit to a strategy. AI Actions Get a ranked list of your highest-impact next moves, personalized to your plan, with a one-tap preview of what each action changes before you apply it. Monte Carlo Projections Run simulations for confidence ranges, not just a single-point forecast. 261+ Inputs, 14+ Modules Model your full retirement system across accounts, taxes, benefits, housing, debt, insurance, and estate factors. Housing and Real Estate Include mortgage payoff, downsizing, rental income, and property cashflow in your plan. Tax-Smart Withdrawal Planning Evaluate withdrawal order, Roth conversion strategy, RMD timing, and IRMAA-sensitive Medicare decisions. Retirement Flight Path Get a year-by-year action timeline with clear next-best moves. Decision X-Ray See how each change affects income, taxes, and risk line by line. Nestly Score (0–100) Track retirement readiness across key planning pillars. Couples Planning Model staggered retirements, spousal Social Security, and survivor scenarios. Estate & Legacy Planning Plan for transfer taxes, step-up basis, and long-term legacy goals alongside your retirement income. Sync Across Devices Sign in once and your plans follow you — start on your phone, pick up right where you left off on the web. Start Free: 500 Monte Carlo simulation paths Up to 3 saved scenarios Up to 2 What-If comparisons Basic export reports Cloud sync when signed in Upgrade to Pro: 8,000 Monte Carlo simulation paths Unlimited saved scenarios Up to 10 What-If comparisons Full Nestly Score analysis and guidance All 261+ inputs editable All 14+ modules unlocked Unlimited life events Comprehensive export reports Privacy Policy: https://nestlyadvisor.com/privacy Terms & Conditions: https://nestlyadvisor.com/terms Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Retirement income is complicated. Social Security timing, Roth conversions, tax-aware drawdown, withdrawal order, taxes, Medicare costs, RMDs, and legacy goals all interact — and getting any one wrong affects everything else. RetIQ models all of it. Privately. Accurately. What RetIQ does RetIQ is a retirement decumulation planner for people who want to understand their finances — not hand them off. It answers the questions that matter most after you've saved: When should I claim Social Security? Should I convert to Roth before RMDs hit? Which accounts do I draw from, and in what order? How do Roth conversions affect my Medicare premiums? What happens financially if my spouse dies? What's my real probability of not running out of money? What makes it different Every calculation runs locally. Your financial data never leaves your phone — not during setup, planning, or ever. We cannot see your numbers because we never receive them. The AI Guide answers questions about your plan and is free on every tier. Use the built-in guidance, or optionally connect a cloud AI provider with your own key. Your key is never stored by RetIQ, and your plan never leaves your device. No subscription. No advisor required. Start free and buy only the modules you need — or unlock everything with a single purchase. All future updates are included. Modular pricing Start free with core planning, Monte Carlo, and the AI Guide. Add Essentials for full input control, the complete dashboard, scenarios, and relocation — now including Federal Employee and muni support. Then add specialist modules — Roth & Tax Optimizer, Survivor Planning, Healthcare & Medicare, Self-Employment & Business, and Legacy & Estate — each available separately, or unlock everything with a single Full Unlock. Pay once for what you use. What it models — Tax-Aware Drawdown: fill low tax brackets before RMDs hit, with proceeds reinvested in brokerage at full cost basis — Roth conversion optimizer: hundreds of strategies ranked by lifetime taxes saved — Strategy Report: 10+ alternatives auto-tested and ranked by your goal — Social Security timing from 62 to 70, spousal and survivor benefits, breakeven analysis — Survivor Center: model either spouse's death with filing status change, survivor SS, pension payouts, and life insurance — Federal Employee (FERS / CSRS) setup: annuity, the Special Retirement Supplement bridge to 62, survivor elections, and taxable percentage, with government-pension state treatment — Municipal bond (tax-exempt) interest: free of federal income tax and NIIT, still counted toward Social Security taxation, Medicare IRMAA, and ACA, with per-state and relocation-aware treatment — Multi-account withdrawal system: pre-tax, Roth, brokerage, cash/HYS, HSA, inherited IRAs, and annuities — Medicare and IRMAA surcharge modeling (Roth conversions and drawdowns affect your premiums) — Monte Carlo simulation with normal and bear-market stress paths — Required Minimum Distributions with SECURE 2.0 rules — Scenarios: 10+ named scenarios including Retire at 40 and Retire at 50, plus allocation-aware bear market stress test — ACA subsidy modeling for pre-Medicare retirees — Progressive state income tax — all 50 states + DC — Pension and annuity income with survivor benefit options — Long-term care costs and insurance modeling — Life insurance with term/permanent policies and tax-free death benefits — Income events, income streams, and one-time expenses — PDF report export from Dashboard — Automated tests verified against IRS, SSA, and CMS sources Verified accuracy Tax brackets, Medicare premiums, contribution limits, and Social Security parameters are sourced from IRS publications, SSA actuarial tables, and CMS Medicare data. An embedded Validation tab shows every test, expected value, and source citation, so you can verify the math yourself. RetIQ is a planning tool, not financial advice. All calculations run locally on your device.