What it does
- Answers three questions on one screen: are you on track, what is the single best move this month, and what changed since last time.
- Projects your SSNIT Tier 1 pension from your real contribution history, including the 15-year minimum, alongside Tier 2 and Tier 3.
- Compares avalanche and snowball debt payoff side by side and tells you which saves more.
- Plans a retirement target, checks whether your life cover is enough, and runs a monthly check-in that splits your surplus for you.
- Works completely offline, with an optional PIN and biometric lock.
Privacy first, structurally
GoldNest has no accounts and no backend. There is no server to send your figures to, so nobody — including the developer — can see your income, debts or pension details. Backups are files you create and control, optionally encrypted with a passphrase only you hold.
Important
GoldNest provides educational, illustrative estimates based on the figures and assumptions you enter. It is not regulated financial, tax, investment or legal advice, and it is not affiliated with SSNIT, the National Pensions Regulatory Authority (NPRA), or any Tier 2/3 trustee. For an official pension projection, request a benefit statement from SSNIT or your trustee.