Question 1

What is Nestworthy?

Accepted Answer

Nestworthy is an AI-native wealth platform for active real-estate investors. It combines the business side — rentals, flips, contractors, banking, and audit-ready tax documentation — with WealthPilot, a complete personal-wealth suite covering net worth, investments, financial goals, what-if scenarios, a printable financial statement, and a family legacy vault. One platform for your real estate, your money, and your family's wealth.

Question 2

Who is Nestworthy for?

Accepted Answer

Nestworthy is built for individual real-estate investors — typically with a handful to a few dozen properties, often alongside a W-2 career — who want their rentals, projects, taxes, and personal finances in one place instead of six disconnected tools. Spouses and CPAs can join the same household with role-based access.

Question 3

What is REP status and how does Nestworthy help?

Accepted Answer

Real Estate Professional (REP) status is an IRS designation that can let qualifying investors deduct rental losses against ordinary income. It generally requires 750+ hours per year of material participation in real estate. Nestworthy tracks your hours contemporaneously, corroborates them against real bank activity and work records, and produces audit-ready documentation your CPA can defend — one lever in your overall tax picture, alongside Schedule E automation and multi-year tax projections.

Question 4

Does Nestworthy track my personal net worth?

Accepted Answer

Yes. WealthPilot, Nestworthy's personal-wealth module, computes your complete net worth from bank accounts connected via Plaid, manually tracked assets and liabilities, investment holdings including stocks, crypto, retirement accounts and RSUs, and the real-estate equity in your portfolio — all from one canonical data layer, so your dashboard, financial statement, and AI advisor always show the same numbers.

Question 5

Can Nestworthy help me plan retirement or big financial decisions?

Accepted Answer

Yes. The Scenarios module models property purchases, retirement timing, debt payoff, and portfolio rebalancing — retirement plans include a 500-path Monte Carlo simulation showing your plan's success rate, not just a straight-line average. The Tax Outlook projects your estimated tax savings over multiple years from your real Schedule E data. All outputs are estimates for planning, not financial advice.

Question 6

How does Nestworthy handle my bank data and rent payments?

Accepted Answer

Bank connections are handled by Plaid — Nestworthy never sees your banking credentials, only transaction data. Rent payments are processed by Stripe on your own connected account, so funds never touch Nestworthy. All sensitive data is encrypted at rest and in transit.

Question 7

What does Nestworthy replace?

Accepted Answer

Most users consolidate an hours-tracking spreadsheet, a bookkeeping app, a property-management tool, contractor group texts, a net-worth app, and standalone planning calculators into one Nestworthy subscription. Contractors, property managers, and tenants get free no-login portals, so the people around you don't need accounts.

Question 8

Is Nestworthy a financial or tax advisor?

Accepted Answer

No. Nestworthy is a software tool — it organizes your data, automates documentation, and produces estimates for planning. It does not prepare tax returns, file with the IRS, or give investment advice. Your CPA files; the platform gives them a free read-only seat with everything organized. AI outputs are always labeled as estimates.

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