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Our projections are based on historical market data and sophisticated algorithms. However, they are estimates and actual results will vary based on market performance, your contributions, and other factors. We recommend using multiple scenarios to understand the range of possibilities.
Monte Carlo simulation runs thousands of potential scenarios using random variations based on historical market data. This gives you a probability-based view of your retirement outcomes rather than a single projection. It helps you understand the range of possible results.
In the calculator, you can add various income sources including 401(k), IRA, Social Security, pensions, and other investments. Click the "Add Income Source" button and select the type of income you want to include.
Yes! You can easily adjust your expected retirement age in the calculator inputs. The projections will automatically update to show how retiring earlier or later affects your savings.
Absolutely. All your data is encrypted with AES-256 encryption and transmitted over secure HTTPS connections. We never sell or share your personal financial information. You can read more in our Privacy Policy.
Your data automatically syncs across all devices when you're logged into your account. Simply sign in on any device (web, iOS, or Android) to access your projections.
Deterministic mode gives you a single projection based on fixed assumptions. Comprehensive analysis includes multiple income sources and expenses. Monte Carlo mode runs thousands of simulations to show probability ranges.
Yes, premium users can export their projections as PDF reports or CSV files for further analysis or to share with financial advisors.
We recommend reviewing and updating your projections at least annually, or whenever you have significant life changes like a salary increase, job change, or major expense.
No, Nestly provides calculators and projections for informational purposes only. We do not provide financial, investment, or tax advice. Please consult with qualified professionals for personalized advice.
