Track all of your finances while Nino proactively finds new ways to save you money.
Nino combines software and services to give you personalized guidance for any money question you have.
Review recurring charges across connected accounts and see what you could save by canceling subscriptions you no longer use.
Subscriptions
12 activeNetflix
Streaming
Disney+
Unused 2 months
Hulu
Streaming
Amazon Prime
Unused 4 months
Spotify
Music
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.
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
See your investments together and ask about fees, cash, or company-stock exposure. Add a CFP for personal investment guidance.
Portfolio
$486,200
Compare options for $12.4K in idle cash
I have $10k just sitting in my checking account. Where should I invest it?
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
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
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.
Connect your accounts and Nino does the heavy lifting. From there, you can track, budget, collaborate, and plan.
From your net worth to day-to-day spending, see every account in one place.
Learn moreSee spending by category, catch forgotten subscriptions, and find room to save.
Learn moreAdd your partner to see the full picture and plan the big decisions as a team.
Learn moreFrom a down payment to retirement, see what each goal needs and when you get there.
Learn moreTaxes, investing, or your next big move. Nino answers with your real numbers.
What could I sell at a loss before December 31?
Three positions are down $6,380. Sell by December 31 to use the losses on this year’s return.
Which one should I sell first?
Start with the international index fund. It’s down the most, $2,890, and you can swap into a similar fund the same day.
Can I still do a backdoor Roth?
Yes, but your old rollover IRA makes 93% of the conversion taxable. Move it to your 401(k) first.
How do I move the old IRA into my 401(k)?
Check that your 401(k) accepts roll-ins, then have your IRA custodian send the $95,000 directly. It needs to land by December 31.
Start free for 7 days. Higher plans add deeper tax strategy and more AI.
A human CPA and CFP, tax filing and Ultra software included.
Read-only
Nino can’t move money or trade.
Not used to train AI
Your financial data never trains AI models.
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