Family finance, finally simple

Finally know if your
family is on track
financially

Nestworth connects your 529, Roth IRA, HSA, and monthly budget into one clear family dashboard — no advisor required.

Start my free plan See how it works

Free forever on the basics — no credit card needed.

4,200+ families building their financial future

A happy family of four enjoying a meal with salads and wine at home.

Your family snapshot

Roth IRA

$42,800

+8.2% this yr

529 Plan

$18,400

On track

Budget

$640 left

This month

Tax-free savings

$61,200

Trusted by families across America

4,200+

Families enrolled

$2.1B

Savings tracked

97%

Report feeling more confident

4.9 ★

App store rating

As seen in

Forbes NerdWallet The Penny Hoarder Kiplinger

The real problem

You're doing everything right,
but it's all in different places

Your Roth IRA is on Fidelity. The 529 is somewhere else. The budget lives in a spreadsheet you haven't opened in three months. And every time you sit down to figure out "are we on track?" — you end up more confused than when you started.

You watch the TikToks, you understand the concepts. You know a Roth IRA matters. You know a 529 is smarter than a savings account for college. But knowing and seeing are completely different things.

Most budgeting apps stop at spending. They don't show you how your monthly choices connect to your retirement at 62, or your kid's college at 18.

I had four different apps, four different logins, and zero understanding of whether we were actually on track.

— Sarah K., mom of two, Nestworth user

A joyful family enjoying time together in a warm and cozy kitchen setting.

Average user saves

3.2 hrs/month

on financial admin

Getting started

From scattered to clear
in three steps

No advisor, no complicated onboarding. Nestworth meets you where you are.

Step 1

Connect your accounts

Securely link your Roth IRA, 529 plan, HSA, and checking account. We use bank-level 256-bit encryption — read-only access only.

Step 2

See your full picture

Your family dashboard shows retirement progress, college savings trajectory, and monthly budget side-by-side — for the first time ever.

Step 3

Make confident decisions

Get personalized suggestions: should you max the HSA first? Is your 529 on pace? Nestworth answers the questions you've been Googling.

Get my family dashboard

What Nestworth tracks

Every account your family needs,
in one warm place

Retirement tracker

Roth IRA balance $42,800

34% of $125K target By age 65

HSA balance

$8,200

Triple tax-free

Projected at 65

$312K

+7% avg return

See your retirement on track — not just your balance

Your Roth IRA and HSA aren't just numbers — they're your future freedom. Nestworth shows your projected retirement income alongside your current savings rate, so you know exactly how today's choices shape your 65-year-old self.

Roth IRA contribution tracking vs. annual limit
HSA triple-tax-advantage calculator
Projected growth with adjustable return rates
Suggested monthly contribution adjustments

Know if your 529 will cover college — before it matters

Most parents contribute to a 529 and hope for the best. Nestworth shows you exactly how much you need to save monthly to cover your target college cost — by name, by year, by child.

Per-child 529 tracking with projected costs
College tuition inflation adjusted projections
Multiple children, multiple timelines
Gift contribution links for grandparents

529 college plan

Emma, age 8

10 years to college

On track

$18,400 saved $32,000 target

Jake, age 4

14 years to college

Save $180/mo more

$5,200 saved $24,000 target

Monthly family budget

Roth IRA contribution $900

529 — Emma $480

Housing & utilities $1,680

Groceries & food $720

Remaining / flexible $2,220

Total income $6,000/mo

A budget that knows your savings goals exist

Generic budgeting apps treat your Roth IRA contribution like any other bill. Nestworth treats it like the wealth-building decision it is — and shows how it fits alongside every other family priority.

Savings-first budgeting (pay yourself first)
Month-over-month trend tracking
Smart alerts when spending threatens savings goals
Household view — both partners, one dashboard

Real families, real results

Finally feeling like
we have a plan

I used to feel guilty every time I checked our Roth IRA separately from the 529. Now I can see both in five seconds and actually sleep at night.

Sarah K.

Mom of 2, Phoenix AZ

Less than one coffee a week.
Worth a lot more.

No advisor markups, no hidden fees. Start free and upgrade when you are ready to unlock the full picture.

Nest Free

$0 / month

Forever free — no credit card

One Roth IRA or 529 account
Basic monthly budget view
Retirement age projector
Email summaries (monthly)
Up to 2 household members

Start for free

Your family deserves a
clear financial future

Join 4,200+ families who stopped guessing and started growing. Set up your Nestworth dashboard in under 10 minutes.

Free forever on the basics. No credit card, no obligation.

256-bit bank-level encryption

Read-only account access

Built by parents, for parents

Finally know if your family is on track financially

You're doing everything right, but it's all in different places

From scattered to clear in three steps