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Your intro to NestPilot

NestPilot helps you make the retirement decisions that cost $30,000 to $300,000 each when made wrong. Plain-English explanations, free anonymous tools, transparent math. We're a 501(c)(3) educational Foundation — free for everyone, always.

Prefer to read? Skip the video and jump to the 5 decisions →

Watch the 90-second intro

The cost of getting retirement decisions wrong, the free tools NestPilot Foundation provides, and the 501(c)(3) commitment — in ninety seconds.

Want depth? Watch the full 7-minute walkthrough below →

1. The 5 retirement decisions we focus on

Each one happens once or twice in a lifetime. Each has a window that closes. Each, when made wrong, costs tens of thousands to hundreds of thousands.

Read the full deep-dive

Medicare Part B enrollment
Cost of getting it wrong: $8K–$25K lifetime
Miss your enrollment window and pay a 10% premium surcharge for the rest of your life.
Learn more Medicare Enrollment Guardian
IRMAA bracket cliffs
Cost of getting it wrong: $1K–$5.8K / year
A single dollar of additional income can push your Medicare premium into a higher bracket for two years.
Learn more 2026 IRMAA brackets
Social Security claiming age
Cost of getting it wrong: $50K–$300K lifetime
Claiming at 62 vs. 70 is the difference of $50K-$300K in lifetime benefits, depending on your situation.
Learn more Compare claiming ages
Medigap underwriting window
Cost of getting it wrong: $20K–$80K lifetime
A 6-month one-time window after Medicare enrollment where you cannot be denied or charged more for pre-existing conditions.
Learn more Medicare enrollment deadlines
Roth conversion gap-years
Cost of getting it wrong: $50K–$200K lifetime
The years between retirement and required minimum distributions are the cheapest tax-planning window of your life.
Learn more Roth Candidacy assessment

2. Free anonymous tools — no signup

The fastest way to see if NestPilot can help you. No account, no email, no bank login. Every tool is free, anonymous, and educational.

Medicare Enrollment Guardian — 3-minute wizard that tells you exactly what window you're in and what to do.
Social Security Claiming Calculator — compare your benefit at every age from 62 to 70 with break-even analysis.
Roth Conversion Candidacy — quick assessment of whether your situation is a strong, moderate, or weak Roth candidate.
Retirement Age Viability — see whether your target retirement age is realistic given savings, healthcare, and income gap.
2026 IRMAA Brackets — exact dollar thresholds and what each bracket crossing costs.

See all free tools

3. Set up a free personal plan

When you're ready for more than single calculators, create a free account at app.nestpilot.org. No credit card. Foundation tools and accounts stay free, always — for everyone.

Save your plan
Inputs persist across sessions. Come back next month, your scenarios are still there.
Multi-decision orchestration
See how Roth conversions, IRMAA brackets, Social Security timing, and tax-efficient withdrawal sequencing interact across years.
Math is fully transparent
Every projection shows the assumptions and the math. No black-box recommendations.
Plan with family or advisor
Share your plan with your spouse, adult children, or financial advisor (read-only or collaborative).

Open the free planning workspace

4. Watch the full walkthrough

A complete seven-minute walkthrough of the five decisions, a sample plan with Sarah & Mark Carter (61 & 63), forecast and what-if scenarios, ACA-to-Medicare cost transitions, the resilience stress test, and the 501(c)(3) charter close.