nestworth calculates the exact year you can stop working, then shows you how every financial decision moves that date closer or further away.
7 days free · NZ$90/year after (incl. GST) · Cancel before trial ends — no charge
Your Freedom Year
7 years, 4 months to go
Why nestworth
Most people track their net worth. The people who actually reach financial freedom track their Freedom Year. Here is why that difference matters.
Net worth is a score. Your Freedom Year is a date. It gives every savings decision, every investment, and every spending trade-off a real consequence you can see immediately.
Spending an extra $500 this month might push your Freedom Year back by three days. Refinancing your mortgage could pull it forward by eight months. nestworth makes those numbers visible before you decide.
Sharesies, Kernel, KiwiSaver, property equity, mortgage balance, and cash savings all in one place. No spreadsheets, no manual entry. Everything updates automatically via Akahu open banking.
Nest Coach does not wait for you to ask questions. It proactively surfaces the moves that will accelerate your timeline, and tells you exactly how many days each one saves you.
What if you bought an investment property? Worked four days a week? Invested an extra $200 per week? The FIRE Sandbox recalculates your Freedom Year in real time as you adjust any variable.
NZD throughout. Native support for Sharesies, Hatch, Kernel, InvestNow, and all major NZ banks. KiwiSaver as a first-class asset. No currency conversions, no workarounds.
Freedom Year Dashboard
Open nestworth and your Freedom Year is right there. Not a list of accounts. Not a balance sheet. Your date. This month's movement. And what changed to get you there.
The dashboard also surfaces the actions with the biggest impact on your timeline, so you always know what to do next, not just where you stand today.
Dashboard — Good morning, Sarah
FIRE Sandbox
What happens to your Freedom Year if you buy an investment property? Work part-time for two years? Start investing an extra $250 per week? Stop guessing and start knowing.
The FIRE Sandbox lets you adjust any variable and see the impact on your Freedom Year instantly. Every life decision becomes a financial decision you can test before you make it.
FIRE Sandbox — Explore scenarios
Nest Coach
Nest Coach does not wait to be asked. It monitors your financial picture continuously and surfaces the insights that matter most to your Freedom Year, when they matter most.
Think of it as a trusted adviser who has read every number in your life and distilled it into one clear, actionable message each time you open the app.
Nest Coach — Your insights
Weekly Wealth Review
Every Monday morning, nestworth sends you a summary of exactly what moved and by how much. Small wins add up fast when you can see them.
Celebrate every milestone
The journey to financial freedom is long. nestworth marks every meaningful milestone so you feel the progress, not just the number.
The hardest hundred thousand you will ever earn. And the most important.
You are now building wealth in two places at once.
Equity unlocked. New options open up from here.
Watching that date change is one of the best moments in the app.
That is 12 months of your life returned to you.
You have built something real. This one deserves a proper celebration.
Real people, real Freedom Years
From first-time investors to property owners to people who had been guessing for years. nestworth works for any financial picture.
“I had been guessing at my FIRE number for three years. nestworth told me I was six years closer than I thought. That changed everything about how I spend and save.”
“Finally something built for NZ platforms. No more exporting CSVs from Sharesies and pasting them into a spreadsheet every Sunday morning.”
“My partner and I use it together. Seeing a shared Freedom Year on screen for the first time was a proper conversation-starter. We are both working toward the same date now.”
“The property equity tracker alone is worth it. I had never properly calculated my usable equity before. Now I check it every week and it feeds directly into my Freedom Year.”
“The Akahu sync took five minutes. Now my entire financial picture updates itself. The Freedom Year number is the first thing I look at when I open the app.”
“I was nervous about connecting bank accounts anywhere. The read-only setup made me comfortable immediately. I trust it more than I trust most financial services.”
How it works
No spreadsheet imports, no complicated setup. Just your numbers and a clear date to work toward.
Enter your income, expenses, and expected investment return. Your personal FIRE number is calculated instantly.
Link Akahu once to pull in live bank balances, KiwiSaver, investment platforms, and mortgage data automatically. Read-only access only.
Your dashboard shows the date, your progress toward it, and what changed this month. Everything in one place, always current.
Use the FIRE Sandbox to test scenarios, follow Nest Coach recommendations, and watch your Freedom Year move forward month by month.
Pricing
Every feature included. No tiers, no add-ons, no spreadsheet required.
Less than $8/month · billed annually · cancel any time
7-day free trial. Card required. No charge until day 7.
Card required · No charge for 7 days
Not sure yet? Explore the live demo first — no sign up required.
Common questions
You get 7 days of full access to every feature at no charge. Your card is required to start but will not be billed until the trial ends. Cancel before day 7 and you pay nothing at all.
Your Freedom Year is the year your passive income and investment returns will cover your living expenses indefinitely. It is calculated from your current net worth, savings rate, and expected investment return using standard FIRE methodology, calibrated for NZ costs and tax.
Yes. We connect through Akahu, New Zealand's FMA-regulated open banking platform. The connection is read-only. nestworth can see balances but cannot initiate transactions or move money. We never store your bank credentials.
Akahu is an FMA-regulated service that lets apps read your financial data securely. nestworth works without it and you can enter balances manually. Connecting Akahu means everything updates automatically so your Freedom Year is always accurate.
Sharesies, Kernel, Hatch, InvestNow, ANZ, Westpac, ASB, and BNZ among others. KiwiSaver is a first-class asset. If your provider connects to Akahu, nestworth syncs it automatically.
Yes. nestworth includes a household view so you and your partner can track your combined financial position and share a single Freedom Year target. One subscription covers both of you.
Yes. Add any number of properties with their current value and outstanding mortgage. nestworth calculates equity, estimated capital gain, and usable equity, and syncs mortgage balances live if your bank is supported by Akahu.
No. nestworth is a tracking and planning tool, not a licensed financial adviser. The numbers it shows are based on your inputs and standard FIRE calculations. For personalised financial advice, consult a qualified financial adviser.
It is closer than you think. Let's find out exactly how close.
7 days free · NZ$90/year after (incl. GST) · No charge if you cancel before your trial ends · Not financial advice