NestPath Advisor

Inputs

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Household Setup

Household & Ages

No names or DOB. Record roles and ages only.

No household members yet. Add the primary person to get started.

Role Age (years)

Financially dependent

Guardian needed

Special needs

The PRIMARY person’s age will set the global “Your age today”.

Planning Ages

Your retirement age (default 67) Partner’s retirement age (optional) Your life expectancy (default 90) Partner’s life expectancy (optional)

Income & Cash Flow

Income & Employment

Per adult. Use annual amounts in today’s dollars.

No income streams yet. Add salary, business, or other income to get started.

Type Who Amount (annual) Tax character (optional) Start year (optional) End year (optional)

Ends at retirement

Contributions (401k/403b/457/TSP/IRA/Roth IRA/HSA/etc.)

No contributions yet. Add ongoing savings to tax-advantaged or taxable accounts.

Account scope Who (optional) Source Amount Frequency Employer match rate (optional)

Employer match cap (global)

Cap % of wages (e.g., 0.06 for 6%)

Used with your W‑2 wages to compute dollar cap.

Spending method

Single number Detailed categories

Pick either one number (fast) or enter categories (detailed).

Spending (single number)

Annual spending in retirement (today’s $)

Spending (detailed categories)

Category Frequency Amount

Balance Sheet

Assets & Property

No assets yet. Add property, accounts, or other assets to get started.

Type Owner (optional) Current value Title form (optional) Cost basis (optional)

Debts & Loans

Monthly payment is required for mortgage/heloc/auto/student/personal/business; leave it blank for credit cards.

No debts yet. Add mortgages, loans, or credit cards to get started.

Type Balance APR Monthly payment Term (months)

Debt strategy (optional)

Payoff method

Extra monthly payment (optional)

Retirement & Analysis

Social Security (helpers)

Last year’s W‑2 wages ($) Planned claiming age (62–70) Wage growth / inflation (defaults to Inflation below)

Risk profile

Quick selector for portfolio logic; detailed questionnaire can be added later.

Returns & Inflation

Pre‑retirement return (optional) Return during retirement (optional) Inflation (optional)

Indexing

Index contributions by inflation

Index retirement spending by inflation

Quick plan helpers (temporary)

Total retirement account balances Taxable brokerage/savings balance (optional) Annual contribution (today's $)

Pre‑retirement return and indexing settings live above.

Employer 401(k) match (per plan)

Match rate (e.g., 0.50 for 50%)

Use with “match cap (global)” and wages to compute dollar match.

Monte Carlo

Mode Simulations Seed (optional)

Protection & Taxes

Insurance (existing policies)

No policies yet. Add life, disability, property, or other coverage to get started.

Insured (optional) Policy type Premium amount Premium frequency

Required by type: term_life → term_years; std/ltd/ltc → elimination_period_days & benefit_duration; home/auto/renters/business_liability → deductible.

Coverage (optional) Term (years, if term life) Elimination period (days, if STD/LTD/LTC) Benefit duration (if STD/LTD/LTC) Deductible (if property/casualty)

Tax profile

State (2‑letter) Marginal federal rate (decimal) Marginal state rate (decimal) Estimated annual withholdings (optional) Estimated annual quarterlies (optional)

Goals & Priorities

Additional goals (optional)

No additional goals yet. Add education, travel, legacy, or other targets.

Owner (optional) Goal type Target amount (today’s $) Start year (optional) End year (optional) Priority

Removes saved inputs and restarts the assistant.