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NestPilot Retirement

Your Decision Copilot.

A transparent, math-backed second opinion on the handful of retirement decisions you cannot undo — Medicare, Social Security, Roth conversions, and withdrawal order, modeled together. Built for people who want to verify the math, for CPA firms extending tax work into retirement questions, and for advisors whose clients want to trust the numbers.

Open the AppSee PricingTalk to Sales
  • Every number is inspectable
  • No commercial conflicts
  • Continuous monitoring

Forecast projection

Retirement at 65

On track
2026203620462056
Return 5.0%Inflation 2.5%Claim SS @ 70Roth to 24% bracket
86/ 100 resilience
Inspect assumptions
Every number inspectableNo commissions, no AUM feesIndependent by designYour data stays yours
5–6
Irreversible retirement decisions, modeled in one place
$50K–$300K
Lifetime benefits at stake across those decisions
8%/yr
Social Security delayed retirement credit, from full retirement age to 70
100%
Of the math is inspectable — no black boxes

Who NestPilot is for

One platform, three audiences

Pre-retirees who want to see the math. CPA firms extending tax-prep into retirement planning. RIAs who want their clients to trust the numbers.

Watch a 2-minute walkthrough

See the full flow, end to end

From a question in ChatGPT to a forecast, four decision workspaces, and an honest stress test.

Also in ChatGPT

Start in ChatGPT, continue in NestPilot

Ask a retirement question inside ChatGPT, then create a free plan that carries your numbers into the full workspace — nothing to re-enter.

See how it works

Your Decision Copilot. A math-backed, transparent retirement-decision platform that shows you the reasoning, not just the answer.

What it does

NestPilot is a continuous retirement-planning workspace that connects Medicare, Social Security, IRMAA, Roth conversions, withdrawal sequencing, and stress-testing into a single inspectable model. Change one assumption — say, your Social Security claiming age — and the entire downstream view updates immediately, with every step open to inspection.

The four moves

  1. Build a plan. Enter your accounts, income streams, goals, and household structure. We capture the structure; we do not tell you what to invest in.
  2. See the math, year by year. Forecast plays out every assumption over your full retirement horizon. Every line item is inspectable.
  3. Run real decisions. Dedicated workspaces for the high-stakes decisions: Medicare enrollment timing, Social Security claiming age, Roth conversion strategy, retirement-age viability, and continuous stress-testing.
  4. Verify, monitor, decide. Use NestPilot as a second-opinion tool when an advisor recommends a product, a deadline approaches, or markets shift. Continuous monitoring beats one-time calculation.

Who it's for

  • Pre-retirees (55–70) navigating the dense middle band of retirement decisions — see /product and thefree Foundation tools.
  • CPA firms extending into retirement planning — see Tax Aide.
  • RIAs and advisors using multiplayer mode — see /for-advisors.

What you can verify

  • Medicare Part A / B / D enrollment windows and late-enrollment penalties
  • Social Security claiming-age tradeoffs (62 / 67 / 70) and break-even math
  • IRMAA brackets and how withdrawals interact with thresholds
  • Roth conversion sequencing across the gap-year window
  • Tax-efficient withdrawal across Traditional, Roth, and Taxable accounts
  • Retirement-age viability under stress (markets, longevity, healthcare cost)

What you do not do here

  • Trade securities. NestPilot is not a brokerage.
  • Select funds or asset allocations. We capture the structure of your plan, not investment selection.
  • Buy financial products. No annuity sales, no insurance referrals, no AUM hooks.

Pricing

See /pricing for tiers. Free at the bottom; talk to us about Tax Aide for a CPA practice, or an advisor partnership.

Open the App

Ready to try it? Open the planning workspace. No credit card required for the free tier.

Wave-2 deepening: this overview will split into audience-specific deep pages for CPAs (FEAT-0164), pricing (FEAT-0165), and advisors (FEAT-0166).

Why it's different

Built for clients to verify, not for advisors to control

Most retirement tools are built for the advisor to control the screen and sell products. NestPilot is built for the client to verify the advisor and make informed decisions.

  • 01

    Transparent math

    Every projection shows assumptions you can inspect. No black boxes. If a number drives a result, you can see it.

  • 02

    Connected planning

    Medicare, Social Security, Roth, taxes, and spending are linked in one model — change one, see the real effect on the others.

  • 03

    Continuous monitoring

    Not a calculator you use once. A repeatable second-opinion workspace you revisit as your situation, markets, or tax rules change.

  • 04

    Independent by design

    We don't sell financial products. No commissions, no AUM fees, no referral spreads. Our only revenue comes from the software, not from your decisions.

Open the app, or open a conversation.

Try the planning workspace free, see pricing for paid tiers, or talk to us about an advisor partnership or a community sponsorship.

Open the App See PricingAdvisor partnerships

Also for advisors and community organizations.