NestPlan is a free financial planning tool for families. Retirement, 529 college savings, net worth, and generational wealth — one clear picture, so you can stop worrying and start building.
Everything a family needs to plan their financial future — in one free tool.
Track retirement savings, investments, home equity, and 529 balances in one place. See your financial health score and how your net worth projects over time.
See exactly how much you need to retire using the 4% rule. Factor in Social Security, pension income, tax rates, and your chosen retirement age.
Project each child's 529 balance at college age. Compare against estimated tuition costs, see your funding gap, and know exactly how much to save each month.
Model big decisions before you make them — private school, early retirement, a second home, a career break. See the real long-term impact on your family's wealth.
The NestPlan Compounding Level System — 10 levels relative to your income
Journey begins
Emergency fund
Investing begins
Compounding kicks in
Returns outpace savings
Retirement in sight
Work is optional
Assets cover lifestyle
Wealth outruns spending
Generational wealth
Everything families ask about retirement, 529s, and building wealth.
A good target is to have enough saved by age 18 to cover the full cost of college. For a public in-state university that's roughly $120,000–$160,000 in today's dollars; private universities run $250,000–$320,000. NestPlan projects your 529 balance at college age based on current savings, monthly contributions, and a 7% investment return, then compares it against costs adjusted for college inflation (historically ~5.6%/year).
The standard rule is 25× your annual retirement spending — based on the 4% safe withdrawal rate. If you plan to spend $100,000/year, you need $2.5M. NestPlan calculates your personal target from your desired income, Social Security estimate, pension, tax rate, and withdrawal rate preference, then shows exactly how far your current savings rate will take you.
Common benchmarks: 1× your annual income saved by 30, 3× by 40, 6× by 50, 8× by 60. NestPlan uses a 10-level system tied to your actual income — so a household earning $150k has different milestones than one earning $300k. It shows exactly where you stand and what it takes to reach the next level.
The 4% rule states that you can safely withdraw 4% of your portfolio in year one of retirement, then adjust for inflation each year — and your money will last 30+ years with high probability. It implies a savings target of 25× your annual expenses. NestPlan applies this automatically and lets you adjust the rate (3%–5%) based on your risk tolerance and retirement length.
A 529 is a tax-advantaged account for education savings. Contributions grow tax-free and withdrawals for qualified expenses (tuition, books, room and board) are also tax-free. Many states offer additional state tax deductions on contributions. You can open one for each child and change beneficiaries freely. NestPlan tracks each child's balance separately and shows whether you're on track by the time they start college.
Yes — completely free. No subscription, no premium tier, no credit card. Sign in with Google to save your plan securely across devices, or explore the full tool in demo mode without creating an account.
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Here's your family's financial picture as of today.
Your investments are growing meaningfully.
Every major milestone on your financial journey, with projected net worth at each moment.
Test big life decisions before making them. See the real financial impact on your family's future.