# NestOrizon

> AI-powered retirement planning tool for globally mobile professionals, handling 50+ pension systems, 30+ currencies, and multi-jurisdiction tax rules.

NestOrizon is a SaaS retirement planning platform built for expats and global professionals who hold assets across multiple countries. It provides Monte Carlo simulations, AI educational tips on debt payoff and savings optimization, multi-currency portfolio projections, and tax-aware calculations for jurisdictions including Hong Kong (MPF/ORSO), Singapore (CPF), UAE, Sweden, US (401k/IRA), UK (SIPP), and Australia (Superannuation). Founded 2026 by Techway Limited (Hong Kong SAR). Educational tool only — not financial advice.

## Pages

- [Home](https://nestorizon.com/): Landing page with interactive retirement calculator demo, feature comparison, and pricing for the AI-powered retirement planning tool.
- [Sign Up](https://nestorizon.com/signup): Create a free account to start planning retirement across borders with multi-currency projections.
- [Terms of Service](https://nestorizon.com/terms): Legal terms for NestOrizon operated by Techway Limited, Hong Kong SAR. Educational tool disclaimer.
- [Privacy Policy](https://nestorizon.com/privacy): GDPR and PDPO compliant privacy policy covering data handling, user rights, and security practices.

## Features

- [Retirement Projections](https://nestorizon.com/): Deterministic and Monte Carlo (500 trials) net worth projections from current age through life expectancy.
- [AI Educational Tips](https://nestorizon.com/): Mathematical optimizations on debt payoff sequencing, savings rate impact, and retirement timing sensitivity.
- [Multi-Currency Support](https://nestorizon.com/): Portfolio tracking in 30+ currencies with accurate exchange rate handling for HKD, USD, EUR, GBP, SGD, AED, SEK, JPY, AUD, and more.
- [Tax-Aware Projections](https://nestorizon.com/): Pre-tax and after-tax projections with accurate tax profiles for 14 countries including 0% CGT for Hong Kong, UAE, and Singapore.
- [Debt Payoff Analysis](https://nestorizon.com/): Avalanche vs Snowball method comparison showing interest savings and impact on retirement date.
- [FIRE Calculator](https://nestorizon.com/): Financial Independence Retire Early number calculation with years-to-FIRE projection.
- [What-If Scenarios](https://nestorizon.com/): Interactive sliders showing mathematical impact of changing retirement age, spending, and returns.

## Guides

- [FIRE Number Hong Kong](https://nestorizon.com/guides/fire-number-hong-kong-mpf): How to calculate your Financial Independence number in Hong Kong with MPF withdrawal rules, 0% capital gains tax advantages, and healthcare cost planning.
- [Expat Retirement Singapore](https://nestorizon.com/guides/retirement-planning-expats-singapore): Complete guide to retirement planning for foreign professionals in Singapore covering CPF exclusions, SRS tax advantages, and property restrictions.
- [Avalanche vs Snowball](https://nestorizon.com/guides/avalanche-vs-snowball-debt-payoff): Mathematical comparison of the two dominant debt payoff strategies with worked examples showing interest savings and retirement timeline impact.

## Optional

- [Login](https://nestorizon.com/login): Existing user sign-in page.
- [All Guides](https://nestorizon.com/guides): Index page listing all educational retirement planning guides.