Built by someone who
has to live with the output.

What this is

An options chain has thousands of contracts on it. Almost all of them are bad trades, and the bad ones look identical to the good ones on a broker screen. Nest Money applies the same mathematical screen to every one of them, in the same order, for every user — a market-conditions check, a volatility check, liquidity and expiry filters, an expected-value test run at how the stock has actually been moving, and finally a ranking by what you keep after tax.

The output is a list, with the reasoning attached: the modeled odds, the average loss in the scenarios that lose, the worst case the model found, and which checks each trade passed. If nothing clears the filters, the scan tells you which gate stopped it instead of showing you a second-best trade. You can read a real finished scan at /demo without an account, and the full pipeline is documented at /methodology.

What it is not

• Not a registered investment adviser or broker-dealer. The screen is impersonal and algorithmic — it knows nothing about your goals, your holdings, or your situation, and nothing it outputs is a recommendation directed at you. Whether any feature would require investment-adviser registration is a question under active review; see Disclosures.
• Not connected to your brokerage. Nest Money cannot place, modify, or cancel an order. It produces a trade plan — limit, stop, take-profit — that you enter yourself, at your own broker, at your own discretion. Nothing routes through us and nobody pays us for your order flow.
• Not a track record you can trade on. Modeled probability is an estimate from a pricing model, not a forecast. Any win rate shown is past results for ideas the tool surfaced and does not predict future results.
• Not a promise that you’ll make money. Selling options carries substantial risk, including assignment and losses that can far exceed the premium received. A high modeled win rate and a large rare loss are the same trade, not different ones.

Who runs it

Nest Money is built and operated by one person — not a firm, not a fund, not a team of analysts, and not an outsourced support desk. That’s a real limitation and worth knowing: there is no compliance department behind the copy on this site, and the same person who wrote the pricing model wrote this page.

It also means support isn’t a queue. Email nexobyte25@gmail.com — including “this number looks wrong and here’s why” — and the person who can actually fix it reads it.

How it makes money

Two ways. First, a paid subscription, billed through Stripe, for the features listed on Pricing. The price you see there is read live from Stripe, so it is always exactly what will be charged.

Second, display advertising on the free educational pages — the Learn lessons, this page, Methodology and the FAQ. Those ads are sold and filled by Google AdSense. That means an advertiser pays Google, not us, and we have no say in which companies appear. Some of them will be brokers. An ad is not a recommendation, an endorsement, or a vetting — treat it as what it is, paid space, marked Advertisement everywhere it appears.

That is the entire revenue model. Specifically, we do not:

• take payment for order flow, or any commission on trades you place;
• accept payment from a broker, issuer, or fund to surface, rank, or favour anything — advertising buys space on an article, never a position in a scan;
• sell your personal information (see Privacy);
• run sponsored trade ideas, or let an advertiser see, shape, or review the output of the screen before you do;
• show ads anywhere in the product itself. The screener, dashboard, portfolio modeller, trade log, calculator and demo scan carry no advertising at all.

Conflicts you should weigh anyway

• Subscription revenue is still an incentive. Being paid to provide a tool creates a reason to present that tool favourably. We disclose it so you can discount for it.
• The operator may hold positions. Positions in the names or contracts the tool surfaces may be held, without notice and without any obligation to update you. See Disclosures for the full statement.
• Advertising pays for pageviews. Ad revenue rises with traffic to the educational pages, which is a reason to write things people click. It is not a reason to change a scan — but you should know the incentive exists, and that some advertisers will be firms that profit when you trade more.
• A model built by its own author is not audited. Assumptions that can fail are listed openly in Methodology rather than buried, but no third party has reviewed them.

Where the numbers come from

Quotes, option chains and greeks come from Tradier; volatility inputs from CBOE; rates and credit-spread inputs from FRED. Every result in the product is stamped with the time its data was pulled, and when a feed is stale or missing the scan says so on the card instead of quietly filling the gap with an assumption. That is deliberate: a silent degradation is worse than a visible one.

After-tax figures use the rates you enter in Tax Settings, applying Section 1256 60/40 treatment where the instrument qualifies. They are estimates for comparing trades, not tax advice, and they are not a substitute for your own tax professional.

How to tell me I’m wrong

The most useful message you can send is a specific one: the symbol, the strike, the expiry, and the number you think is off. Model bugs hide in individual rows, not in general complaints, and a scan you can point at is a scan that can be fixed.

nexobyte25@gmail.com — for corrections, billing, data deletion requests, or anything about how the screen works.