One place for your household finances
Bring both partners’ accounts and goals into Nino’s AI software, and work from the same picture when making decisions. Add a human CPA and CFP team for a household financial plan and joint tax filing.
A shared overview
See connected accounts, property, debt, and investments in the household picture.
Two incomes
Plan spending and saving with both partners’ income and employment changes in view.
Shared decisions
Explore a home purchase, time off, or retirement using the same assumptions.
Optional human help
Plus Advisor plans add a CPA and CFP, including joint filing within the plan’s scope.
Decisions to check carefully
These decisions deserve a closer look. Start with the numbers, then get professional help where you need it.
Different account ownership
A shared view does not change legal ownership or beneficiary designations. Keep those records current.
Unclear assumptions
Agree on spending, savings, and timelines before comparing scenarios.
Filing choices
Joint versus separate filing can affect more than the headline tax bill. Review the whole household situation.
Federal and state tax filing is included on every Advisor plan, from $3,600 a year.
Guides for married couples
Read up on these decisions, or run your own numbers.
What Happens When You Die Without a Will?
State law determines who inherits probate property when there is no will. Beneficiary designations, surviving parents, and state rules still matter.
Read guideHow Much of Your Paycheck Should You Save?
The usual answer is 15% to 20% of pay. High earners usually need more, because Social Security replaces less of a large salary. Here is the order to save in.
Read guide529 Plan Changes
529 plans offer more education uses and a limited Roth rollover option. Check account age, contribution limits, and state treatment before moving money.
Read guideWhere to Put Cash Above Your Emergency Fund
Keep 3 to 6 months of spending in insured savings. Park cash you need within a few years in T-bills, money market funds, or CDs, and invest the rest.
Read guideHome Affordability Calculator
Estimate a purchase price and monthly housing costs from your income, debts, and down payment.
Open calculator529 Plan Calculator
Project college costs and estimate the monthly savings needed to cover them.
Open calculator