Nino vs Betterment
Nino helps you decide what your money should do next. Our proactive AI financial assistant connects your finances, builds financial plans, forecasts major life decisions, and estimates taxes. Betterment manages investments and offers CFP planning through Premium. Choose Nino for AI planning you can use yourself, with an optional CPA and CFP team to optimize taxes, file returns, and carry out your plan.
Compare our AI assistant, planning, and tax modules
| Feature | Nino | Betterment |
|---|---|---|
| Financial insights and answers | AI answers about connected finances, with proactive cash and company-stock insights | Investing tools; CFP conversations through Premium |
| Financial planning | Generate financial plans and compare retirement, home-purchase, and other life-event forecasts | Goal-based tools; personalized financial planning with Premium |
| Tax planning | Estimate taxes on financial decisions; optional CPA-led tax strategy | Tax-loss harvesting, tax-efficient investing, and Premium planning guidance |
| Tax preparation and filing | Human federal and state preparation and filing included with services | Betterment states it does not file tax returns |
| Investment management | Portfolio analysis and company-stock concentration insights; software does not hold assets or place trades | Automated portfolio trading, rebalancing, and eligible tax-loss harvesting |
| Access to human professionals | Optional CPA and CFP team, with Ultra AI software included | CFP team through Premium; $100,000 eligible investment minimum |
Why choose Nino over Betterment
Plan the decision before moving the money
A stock sale can fund a home and create a tax bill. Nino lets you estimate the taxes, model the purchase, and see how it could change retirement. Ask follow-up questions using your connected finances. Betterment automates portfolio management; Nino helps you understand the financial decision before you make it.
Get a financial plan without a portfolio minimum
Use Nino’s AI to generate a plan and compare life-event forecasts without moving investments. If you want people to handle planning and taxes, Nino also offers a CPA and CFP services plan. Betterment’s human CFP planning is in Premium, which requires $100,000 in eligible assets.
Give your financial plan a tax team
Add Nino’s services and a CPA and CFP team builds your financial plan, optimizes taxes, prepares and files returns, and helps put the plan into action. Ultra software is included. Betterment Premium offers CFP planning and can collaborate with your CPA; Nino includes the tax professional and filing in its services.
How Betterment compares
Automated portfolio management
Betterment builds investment portfolios, rebalances them, and offers tax-loss harvesting for eligible accounts. Nino’s software helps you plan financial decisions; it does not replace those trading functions.
CFP planning through Premium
Premium offers a personalized financial plan, CFP conversations, and advice on outside assets, with a $100,000 eligible investment minimum. Betterment can collaborate with your CPA but does not file tax returns.
Pricing
What you pay and what’s included.
- Nino
- Software starts at $20/month, with a 7-day free trial and no credit card required. Software and services start at $3,600/year and include our Ultra software tier and a CPA and CFP team.
- Betterment
- Betterment automated investing starts at $5/month, switching to 0.25% annually with at least $200 in qualifying recurring monthly deposits or a $24,000 balance. Premium requires $100,000 in eligible investments and charges 0.65% on the first $1 million. Eligible balances above $1 million receive lower tiered rates. Fund expenses and certain other fees apply.