See Exactly What Your Retirement Will Cost You — Before It Happens
NestEgg Planner is the only retirement tax calculator that runs a real, year-by-year, 30-year IRS-accurate simulation of your entire retirement — Social Security, RMDs, Roth conversions, Medicare premiums, capital gains, and every dollar of tax — and then tells you the single best strategy to minimize what you pay.
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Why Most Retirement Calculators Fall Short
Most free calculators online ask you six questions and spit out a single number: "You'll need $1.2 million." That's not planning — that's a guess.
Real retirement tax planning requires answering much harder questions. NestEgg Planner answers every one of them — automatically, and specifically for your numbers.
Should I convert my Traditional IRA to a Roth, and how much, in which years?
When should I start Social Security — and how does that interact with my RMDs?
Will I get pushed into a higher Medicare premium bracket (IRMAA) in my 70s?
Am I better off itemizing deductions or taking the standard deduction — and does that change year to year?
What happens to my plan if inflation runs hotter than expected?
Built for Real Life
Whether you're planning alone or with a spouse, NestEgg Planner captures the details that actually move the needle: individual retirement balances, pensions, Social Security start ages, rental income, real estate sales, and more — all in an easy, single-screen form.
Complete control for single filers — every input that affects your tax bill, in one screen.
Married? NestEgg Planner models both spouses independently — different ages, different Social Security timing, different retirement balances — because your household's tax picture isn't one-size-fits-all.
Every Field, Explained
We know retirement planning inputs can be intimidating. That's why every field on the form is labeled in plain English and tied directly to a real part of your tax return.
Retirement Balance & Age
Drives your Required Minimum Distributions (RMDs) starting at the IRS-mandated age, using official actuarial divisor tables.
Social Security Income & Start Age
Automatically applies the correct early/delayed retirement credit — claim at 62 and get ~70% of your full benefit, wait until 70 and get ~124%.
Roth Conversions & Conversion Bracket
Simulates converting Traditional IRA dollars to Roth up to your chosen tax bracket ceiling (12%, 22%, or 24%) every year you specify.
Annual Expenses & Growth Adjustment
Projects your real cost of living forward, separately from general inflation, so lifestyle creep or downsizing is modeled accurately.
Investment Income
Applies the correct preferential capital gains rates, stacked properly on top of your ordinary income.
Rental Income & Real Estate Value
Models rental cash flow for as many years as you choose, then simulates the sale and adds the proceeds to your liquid savings.
Two Built-In Tax Optimizers
1. Itemized vs. Standard Deduction — Calculated Automatically, Every Year
Most people don't realize their optimal deduction strategy can change from year to year — especially once real estate taxes, mortgage interest, or charitable giving shift. NestEgg Planner checks this every single year of your 30-year projection and highlights exactly which years benefit from itemizing.
Enter your deduction details once — NestEgg Planner decides, year by year, whether itemizing or the standard deduction saves you more.
See your real Medical Insurance costs before and after Medicare eligibility — including the income-based premium surcharges most people never see coming.
2. Medical Insurance & Medicare Cost Modeling
Nobody plans for the fact that Medicare premiums can spike dramatically based on income (IRMAA surcharges) — often catching retirees by surprise years after they've already made a Roth conversion decision. NestEgg Planner models your pre-Medicare insurance premiums (including a second premium period for coverage that changes, like COBRA transitioning to Marketplace) and then automatically calculates your real, income-adjusted Medicare Part B and Part D costs once you're eligible — using the actual current IRMAA bracket thresholds.
AutoRun
Here's where NestEgg Planner goes far beyond anything you'll find in a typical retirement calculator — or, frankly, in most advisor meetings. AutoRun automatically tests dozens — or tens of thousands, for couples — of retirement strategy combinations and tells you which one actually wins, based on whatever matters most to you.
Minimize Taxes
The total taxes you'll pay over your entire retirement
Maximize Assets
Your total assets at the end of the projection
Max. After-Tax Assets
Total assets after the future tax bill on what's left in your retirement accounts
AutoRun searches every combination of whether to do Roth conversions and at which tax bracket ceiling, and what age to start Social Security for each spouse independently — while automatically throwing out any strategy that would leave you short on cash in any year of the plan.
One click. Every strategy tested. The best one wins — automatically.
See Every Year, Every Dollar
Your results aren't a single number — they're a full 30-year table showing exactly how your balances, taxes, and income evolve every single year.
Retirement account, Roth IRA, and liquid savings balances
Required Minimum Distributions and Roth conversion amounts
Federal tax, state tax, and your highest marginal bracket
Medical and Medicare costs
A running total of every tax dollar and every medical dollar paid over the full projection
A complete, year-by-year breakdown — retirement balance, Roth balance, RMDs, conversions, taxes, Medicare costs, and total income. Your headline numbers stay in a summary bar; one click on Show Details opens the full table in a floating window you can drag and resize while you keep working on your inputs.
Flip the toggle in the summary bar between future (inflation-adjusted) dollars and today's purchasing power — your headline numbers and the full table update instantly, so you see your plan both ways.
Download a complete, professional PDF report — perfect for your records or to bring to a conversation with your CPA.
Your Data, Protected
NestEgg Planner requires an account with email or SMS two-factor authentication, so your financial information stays private and secure — this isn't a throwaway tool that stores your retirement balance in a public spreadsheet somewhere.
Why NestEgg Planner Beats the Alternatives
| Generic Online Calculators | Meeting With an Advisor | NestEgg Planner | |
|---|---|---|---|
| Year-by-year, 30-year tax detail | — | Sometimes | Yes |
| Tests dozens of strategies automatically | — | — | Yes |
| Accounts for Medicare IRMAA surcharges | — | Varies by advisor | Yes |
| Itemized vs. standard deduction, every year | — | Varies by advisor | Yes |
| Instant, unlimited "what-if" scenarios | — | Costs time & money | Yes |
| Available 24/7, no appointment needed | Yes | — | Yes |
| Cost | Free (but shallow) | $$$$ per hour | $300/year |
You don't need to wait weeks for an appointment, and you don't need to pay hundreds of dollars an hour to explore "what if I retire at 63 instead of 65?" With NestEgg Planner, you can run that scenario — and fifty others — in the time it takes to read this sentence.
One Login. Every Client. Fully Separate.
Run real, year-by-year retirement-tax projections for each of your clients from a single account. Every client gets their own workspace — separate inputs, projections, AutoRun results and PDF reports — and because you enter and control the numbers, you never need a client's email address or password.
A workspace per client. Add a client by name, with your own reference or file number, and switch between clients in one click.
Completely separate data. Nothing carries over between clients, and deleting a client permanently removes everything saved for them.
Reports ready for the client. Every PDF is headed “Prepared for [client] by [you]” — ready to print, send, or bring to the meeting.
Try before you commit. Sign up free: your account and every new client start on realistic sample data, so you can explore every feature before paying to activate a client for real numbers.
The full toolkit for every client. AutoRun strategy search, Roth conversion planning, Medicare and IRMAA, itemized-vs-standard, Show Details and more.
Simple per-client pricing. Pay only for the clients you switch on: $300 each for clients 1–5, $250 for 6–20, $200 from the 21st on — or an Unlimited license at $10,000 a year for up to 500 clients. How adviser billing works.
The Client bar keeps every client one click away — each with their own inputs, projection and results. The badge shows whether a client is on sample data or activated for real numbers.
Client-ready PDF reports, headed “Prepared for [client name] by [your name].”
Get Started in Minutes
Create your account — email or SMS verification, takes 60 seconds
Choose Single or Married Filing Jointly
Fill in your numbers — or load a saved scenario
Click Build Projection to see your full 30-year plan, or click AutoRun and let NestEgg Planner find your optimal strategy for you
Have Questions? Ready to Subscribe?
Talk to us directly — we're happy to walk you through the tool, answer questions about your specific situation, or help you get started with a subscription.
NestEgg Planner is an educational and planning tool designed to help you understand and explore retirement tax strategies. It does not constitute financial, tax, or legal advice. Tax law changes over time, and individual circumstances vary — please consult a qualified CPA, tax professional, or financial advisor before making significant financial decisions.
NestEgg Planner — Patent Pending