Scenario planning
Explore what a new job, a home purchase, or an earlier retirement could mean for your savings, spending, and taxes.
Projected at retirement
$2.4M
Tax and financial planning built to grow your net worth
Automatically track your spending and investments in one place, with the option to add a flat-fee CPA and financial advisor for your taxes and financial plan.
How you can use Nino
Nino combines software and services to give you personalized guidance for any money question you have.
On track
Understand your investments
See your investments together and ask about fees, cash, or company-stock exposure. Add a CFP for personal investment guidance.
Portfolio
$486,200
US stocks$224K
Bonds$107K
Cash$87K
Compare options for $12.4K in idle cash
I have $10k just sitting in my checking account. Where should I invest it?
Real estate
Track property and mortgages alongside your other accounts. Compare the cash you might keep from selling or renting a home.
What if you moved?
Sell
+$300K
net, one-time
Rent it out
+$1,400
a month, keeps equity
Goal planning
Put a number and a date on your goals. See how a home, a wedding, or time off fits with what you can save.
Your goals
Home down payment
78%$62K of $80K
Wedding
60%$18K of $30K
Vacation fund
84%$8.4K of $10K
Equity & RSUs
Bring stock grants, vesting dates, and tax estimates into one view. Add a CPA and CFP to plan your next exercise or sale.
Equity, after tax
$412,000
Vests through Q2
March vest: check withholding
Compare withholding with your tax estimate.
April sale: compare tax treatment
Check the holding period and the risk of waiting.
Subscription review
Review recurring charges across connected accounts and see what you could save by canceling subscriptions you no longer use.
Subscriptions
12 active
Netflix
Streaming
Disney+
Unused 2 months
Hulu
Streaming
Amazon Prime
Unused 4 months
Spotify
Music
2 unused foundSave $348/yr
Spend analysis
See spending by category and ask about changes, recurring costs, or how much room you have to save.
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.
Achieve financial clarity
Use AI to understand your finances and explore your options. Add a human team for advice and help carrying out your plan.
Achieve financial clarity
Use AI to understand your finances and explore your options. Add a human team for advice and help carrying out your plan.
Track your money
See how much you make, what you spend, and where your money goes.
Connect bank and investment accounts
Add a human team
Choose software + services for a financial plan, tax filing, and ongoing guidance from a CPA and CFP.
Exercised my ISOs. Tax bill?
Possibly. Let’s estimate the AMT.
Got it.
Plan for your future
Explore how a home purchase, career change, or retirement date could affect your finances.
Your data is secure
Read-only account connections bring your balances into Nino. Your money stays with your financial institutions.
Work with a human CPA and CFP
Choose our AI financial assistant, or work with a CPA and CFP team for ongoing financial planning and tax support at a flat annual fee.
Essential
$3,600/ yr
- One person's taxes and financial plan
- Federal & state tax filing
- Retirement & equity planning
- Quarterly advisor access
- Free Ultra software included
Plus
$4,800/ yr
- Two people's taxes and financial plan
- Everything in Essential
- Joint & multi-state tax filing
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
Premier
$12,000/ yr
- Your whole family's taxes and financial plan
- Everything in Plus
- Business and personal tax filing
- Advanced equity & estate planning
- Priority advisor access
30-day money-back guarantee
How Nino works
Your financial plan comes to life as soon as you connect your accounts. Your dedicated CFP and CPA work behind the scenes to keep it current, uncover opportunities, and help you reach your goals.
- Step 1
Connect your financial accounts
Bring your finances into one clear view with secure, read-only connections. Your money stays where it is.
- Step 2
Explore your financial plan
Ask Nino’s AI about your money and explore a plan built from your accounts, goals, and assumptions.
- Step 3
Add experts when you need them
Choose software + services to work with a human CPA and CFP. They build your financial plan and handle tax planning and filing.
- Step 4
Your plan evolves with you
Update your goals and account information as life changes. With services, your team helps you adjust the plan along the way.
- Step 5
Turn opportunities into action
Work through next steps for a decision, such as an expiring stock option or a home purchase. With services, your team helps carry out the plan.
What our members say
Why members trust our platform, CPA, and CFP.
“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
Frequently asked questions
You can choose either AI software on its own or software + services. The software brings your accounts together, answers questions, and helps you explore financial decisions. With services, a human CPA and CFP team builds your financial plan, handles tax planning and filing, and helps put the plan into action.
Yes. Start with a 7-day software trial, with no credit card required. Add financial and tax services when you want human advice and help carrying out your plan. Every Advisor plan includes Ultra software.
People whose money is spread across accounts, investments, stock grants, property, or a business, and anyone who wants a clearer plan. Nino helps you see how a decision in one area affects the rest.
No. Your money stays with your financial institutions. Nino uses read-only account connections to bring your information together; connecting an account does not authorize transfers or trades.
Your accountant (CPA) and financial planner (CFP) build your financial plan, plan and file your taxes, and help you act on decisions about retirement, investments, equity, and other goals. The services included and advisor access depend on your plan.
AI software plans cost $20, $100, or $200 per month. Software + services starts at $3,600 per year and includes Ultra software, a human CPA and CFP team, and tax filing. Service pricing depends on the work and complexity; you receive a quote before joining.
Many financial advisors charge a percentage of the assets they manage, often around 1% a year. On a $1M portfolio, that is $10,000 a year, and the fee grows as your assets do. Nino charges a flat fee starting at $3,600 a year for a dedicated CPA and CFP team, whatever your portfolio size, with tax filing included.
Betterment is an automated financial advisor that manages your investments for a percentage of your assets and does not file your taxes. Range and Facet are flat-fee planning memberships, but Facet includes tax filing only on plans from $5,500 a year, through a partner, and Range only on its $12,500-a-year Titanium plan. Nino puts a fee-only financial advisor (a CFP) and an in-house CPA on one team from $3,600 a year, with federal and state tax filing included on every plan. Nino is also the only one of the three whose AI-powered personal finance app you can use on its own, from $20 a month, to proactively find ways to save you money.
You can cancel your subscription. Advisor plans include a 30-day money-back guarantee. The terms explain when cancellation takes effect and when a refund applies.
Yes. Nino is built by the team behind CoinTracker. You can bring crypto information from CoinTracker into Nino alongside your other finances.