Create and track your budget, savings, debt, investments, and retirement plan with AI.
Learn how to grow your money and get personalized guidance with Nino.
Connect to 12,000+ banks and brokerages
Ask anything about your money, from simple questions to major decisions.
Nino finds every recurring charge, flags the ones you forgot, and shows what canceling saves you a year.
Subscriptions
12 activeNetflix
Streaming
Disney+
Unused 2 months
Hulu
Streaming
Amazon Prime
Unused 4 months
Spotify
Music
Understand your portfolio in plain English. Nino flags idle cash, concentration risk, and tax-smart moves.
Portfolio
$486,200
Move $12.4K idle cash to 4.8% APY
I have $10k just sitting in my checking account. Where should I invest it?
Set a goal and Nino builds the plan to reach it. Model a home, a wedding, or early retirement and see exactly what it takes.
Your goals
Home down payment
78%$62K of $80K
Wedding
68%$18K of $30K
Vacation fund
84%$8.4K of $10K
Weigh selling versus renting it out, track your equity, and time your next move with the numbers in front of you.
What if you moved?
Sell
+$300K
net, one-time
Rent it out
+$1,400
a month, keeps equity
Know what your equity is really worth after tax. Nino tracks vesting, flags bracket risks, and times your sales.
Equity, after tax
$412,000
Vests through Q2
March vest, sell-to-cover planned
Bracket risk avoided, saved $6,800
Long-term rate unlocks April 3
Waiting to sell saves $4,200 in tax
See where your money actually goes. Nino categorizes every transaction and surfaces the trends worth acting on.
After reviewing your spending patterns, here are the three with the biggest impact on your financial goals:
1. High-interest debt: You're paying about $340 a month in interest across two credit cards.
2. Dining out: At $760 a month, this is your fastest-growing category over the last quarter.
3. Idle subscriptions: Two look unused, and canceling them frees up $250 a quarter.
Redirecting the dining and subscription spend alone would free up around $650 every month.
Together, these changes could lift your savings rate by about 8 points, enough to build a full emergency fund within the year.
June_Monthly_Expenses.csv
Spreadsheet
Analyze my spending this month and tell me the three biggest opportunities to improve my finances.
Ask what if. Model your retirement, a career change, or a big purchase, and see the impact on your whole plan.
Projected at retirement
$2.4M
Use our AI platform or work with a dedicated CPA and CFP.
Basic
Intelligence for everyday financial questions.
Pro
Most PopularDo more with advanced intelligence.
Ultra
Maximize your financial life.
See how people use Nino to build financial plans, track spending, help them invest, and lower their taxes.
“My old accountant only looked once a year. Nino's software watches everything, so my advisor caught a vest that was about to cost me $6,800, and fixed it before the deadline.”
Ryan Mitchell
New parent
