Finally, a plan for
your whole family.
Retirement planning built for the way families actually work — across generations, across languages, and across the kitchen table.
No login needed for the demo.Preview: the demo shows today's app
Base is free forever · Pro $12/mo · Familia $19/mo · Care: pricing coming soonSee plans →
Built by Rich — a founder who needed this for his own family. Read his story →
"I built it for my family. I'm sharing it with yours."
Father. Husband. Founder.
One platform
One plan. Every screen.
Your plan, in the language each person speaks.
Desktop gives you deep retirement projections and Monte Carlo simulations at the kitchen table. Tablet makes family meetings simple and clear. Phone lets you check progress anywhere, anytime.
Built by a soon-to-be retiree who needed this exact tool for his own bilingual, multi-generational family, with Household Protection, cundina support and strong privacy built in.
Explore a real plan →
Everyone keeps their own account. You choose what crosses.
How it works
Your own account
You keep your money, your login and your history.
Link with your people
Your partner, your family, the person helping your mom, your advisor. Each link is a yes from both sides.
Choose what each thing shows
Every account, goal and expense goes in a room. You decide who sees what.
My wife showed me how her family had always saved together through a cundina. No retirement tool had ever acknowledged it existed. So we built it in.
— Rich, Founder of WiseNest
Why WiseNest
Your whole family.
Each with their own plan.
Generic planners build for one person with a simple life. Real families are more complicated — multi-generational households, bilingual members, family members with special needs, coordinated Social Security decisions, and legacies that matter. WiseNest is built for all of it.
10,000 futures modeled
Monte Carlo runs 10,000 market simulations against your portfolio so you know your plan survives reality — not just average returns.
Household Protection built in
See exactly what happens to your family's financial picture if the unthinkable does. No other consumer tool does this.
Legacy without the lawyer
Model inheritance goals, charitable giving, and trust strategies. Build the 'thanks Mom and Dad' fund — or the 'sorry kids' one.
Tax-smart by default
Roth ladders, RMDs, Social Security timing, bracket management — we help you keep more of what you spent decades earning.
Powerful Features
Every tool serious planners need. All in one place.
Ditch the spreadsheet. WiseNest runs the complex machinery — Monte Carlo, Roth ladders, Household Protection scenarios, tax projections — so you can focus on the question that actually matters: am I going to be okay?
See Your Odds Across 10,000 Futures
Not averages — real market sequences, including the brutal ones. Know exactly where your plan holds and where it breaks, years before it matters.
Plan for the One Who Stays
No other tool does this. See exactly what changes for your family if one spouse passes first — income, Social Security, success rate — so the surviving partner isn't left guessing.
Try Any Change Before You Commit
Retire at 55? Move abroad? Delay Social Security by two years? Model any decision in seconds and see exactly how it shifts your odds before you act.
Real-Life Social Security Optimizer
Claiming at the wrong time can change a household's lifetime benefits. WiseNest compares coordinated strategies for your household — including benefits for children, survivor protection, and three solvency scenarios.
Try the Real-Life SS Optimizer — No Login →
Debt Freedom Center
High-interest debt quietly steals your retirement years. See the fastest path to payoff — avalanche, snowball, or hybrid — and watch your Monte Carlo success rate climb as each balance hits zero.
You type
My mom needs help and I'm not sure how to plan for her care
Tell us what's going on. We'll show you where to start.
Type your situation the way you'd say it out loud: a layoff, a parent moving in, a new baby. Our AI helper points you to the right pages in WiseNest, one step at a time, and tells you plainly what it can't help with.
Some steps are part of Pro or Familia.
Your Guide — Your Built-In Financial Coach
Your Guide rides along on the right side of every page, with two tabs. Coach gives you ranked, personalized next moves built from your real numbers — each one shows the dollar impact and a 'Why?' you can open. Learn explains exactly what's on the screen, plain or detailed, your choice. Full English and Spanish parity on every page, on every plan.
Built for how families actually work.
Familia shows your whole family together, in one view.
You choose who you link with.
Your partner, your parents, your grown kids. Every link is a yes from both sides, and you can change it any time.
Plan for the what-ifs.
Household Protection scenarios. Insurance gap analysis. Estate planning. The conversations families avoid — now structured and supported.
Give now, leave more later.
Track lifetime gifting and estate planning side by side. See the tax math. Optimize the timing.
"ya sé que voy a estar bien"
now I know I'm going to be okay
Three rooms for the things you share
Rooms label things, not people. Each account, goal and expense goes in one room, and the room says how much of that one thing you share.
- Kitchen Table
- Things you share with full numbers, with the people you link with.
- Living Room
- Things you share as a summary: the big picture and shared goals, without the details.
- Private Bedroom
- Only you. It never crosses any link.
Mama Rosa picks a room for each thing she has
Her savings account
Kitchen Table
Carlos sees the full balance.
Her roof repair goal
Living Room
Sofia sees the big picture: the goal is on track. Not the details.
Her gift fund for the grandkids
Private Bedroom
Only Rosa sees it. No one else, not even an advisor.
Care
Help a parent, with their yes.
Your mom keeps her own account, and the decisions stay hers. She chooses who helps. Every change is written down, and the family can see it and object.
Care is not a legal power of attorney.
See how to help a parent →
What we promise every family
- Paying never buys the right to see.
- Your Private Bedroom stays yours. Always. It never crosses any link: not your partner's, not a helper's, not an advisor's.
- If the person helping pay stops, the paid help pauses. Nothing is deleted, and no one loses what they could see.
Spreadsheets don't retire. People do.
Three families. Three different reasons to plan. One tool that understood all of them.
Someone finally made a tool for me. Not a translation — the real thing, in my language.
— Esperanza, 71, San Antonio, TX(Illustrative example)
Real Families. Real Plans.
"I switched everything to Spanish and it felt like someone finally made a tool for me. Not a translation — the real thing, in my language, with the warmth I'm used to. I sent it to all my hijos right away."
Esperanza R.
Abuela, 71 años · San Antonio, TX · Illustrative example
You decide what your advisor sees.
Your advisor only sees what you choose to share. Pick which parts of your plan to share — projections, income, assets, debts — and change it any time. Your Private Bedroom never crosses.
Try Any Plan — Free, No Login
Full features. Real math. Nothing held back.
Base Plan
Smart planning for single filers and couples — projections, tax, and scenarios.
Pro Plan
Monte Carlo, SS Optimizer, Roth ladder, Household Protection & more.
Familia
Meet the Morales family, together in one view.
Each person signs in with their own login.
Advisor Plan
Full advisor toolkit — multi-client dashboard, white-label PDF reports, share portal.
Pricing
Start free.
Add more when your family is ready.
Start with Base, free forever. Pro is $12/mo and Familia is $19/mo. Care pricing is coming soon.
Base
Freeforever
Know where you stand.
Base does not connect to your banks.
- Your own plan and your own login
- Core planning tools
- Link with your partner and your family
Pro
$12/mo
Plan with your partner: yours, mine and ours. Each of you keeps your own login.
- Monte Carlo (10,000 paths)
- Tax projections and RMDs
- Household Protection and Legacy
Familia
$19/mo
See your whole family in one view.
- Everything in Pro
- Link only with the people you choose
- Family invitations and bilingual PDF reports
Care
Pricing coming soon
Help a parent, with their yes. Works with any plan.
- Your mom names who helps
- Every change is written down
- The family can see it and object
Paying never buys the right to see.
Stop guessing.
Start knowing.
Build a real retirement plan in under 30 minutes. Start free with Base, forever. No spreadsheet needed.
Have a beta code? Enter it when you sign up →