Yours, mine and ours.
You and your partner each keep your own account and your own login. When you link, you two mark each account as yours, mine or ours. And each of you chooses what the other one sees.
Pro is made for planning with your partner. Each of you signs in with your own login.
Preview: the demo shows today's app
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.
Carlos and Maria each have their own login.
When they link, they mark each account as his, hers or theirs. Nothing moves. Every account stays with the person who owns it.
Carlos's 401(k)
His
Carlos owns it. It stays in his account.
Maria's IRA
Hers
Maria owns it. It stays in her account.
Their house fund
Theirs
They own it together, so both of them see all of it.
Counting together is its own choice
Carlos and Maria count their money together, so they see one retirement plan for the two of them. That is a separate choice from what each one sees.
Seeing someone is not counting them. When Carlos links with his mom, he sees what she shares, and her money stays out of his and Maria's plan.
They built for one person,
or they force you to pool everything.
Single-person tools
Great if you're planning alone. But they have no concept of "my spouse also has accounts" — so you can't see what your combined retirement actually looks like, or what happens if one of you is gone.
Couple tools that pool everything
They ask for your income and your savings as if you and your partner were one person. That erases whose accounts are whose. And that matters for Roth conversion timing, RMD sequencing and what each of you has left when one of you dies.
Each of you keeps your own account.
You choose what crosses.
Two logins, two sets of accounts. You decide what your partner sees, and whether you count your money together. And when one of you is gone, Household Protection shows what the other one has left, account by account.
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.
Carlos picks a room for each thing he has
His 401(k)
Kitchen Table
Maria sees the full balance and every contribution.
His new-truck goal
Living Room
Maria sees the big picture: the goal is on track. Not the details.
His gift fund for Maria's birthday
Private Bedroom
Only Carlos sees it. It never crosses the link, not even to Maria.
- Your Private Bedroom stays yours. Always. It never crosses any link: not your partner's, not a helper's, not an advisor's.
- Everyone keeps their own account.
Your own accounts.
One picture together.
Each of you owns your own accounts
Your 401(k) is yours. Their Roth IRA is theirs. Each of you signs in with your own login, and no account ever moves.
Count together, if you choose
Count your money together and see one retirement projection, next to each person's own picture. Counting together is its own choice, separate from what each of you sees.
Household Protection, account by account
When one of you is gone, Household Protection shows what the other one actually has: each account, its taxes and the income it brings in.
Roth conversion timing, for each of you
The right time for a Roth conversion comes from each person's own tax bracket. WiseNest times conversions for each account owner, not for the two of you as one pile.
RMD sequencing, both timelines
Each person has their own RMD start age, their own balances and their own projected tax hit. WiseNest shows both timelines and what different withdrawal orders mean for your taxes.
Social Security, coordinated, not combined
Each person's Social Security history is separate. WiseNest plans both claiming strategies together, including spousal benefits and when a surviving spouse should switch to the higher benefit.
“We've always handled our own money separately. WiseNest was the first tool that didn't try to fix that — it just worked with it.”
— Sandra & Jerome K. · Portland, OR (Illustrative example)
When one of you is gone,
whose money is left?
With pooled accounts, "the money" is just a number. When accounts are separate, the survivor's picture changes completely with who passes first — and most tools can't show you that.
Household Protection works from the link between you and your partner. It uses the money you two count together and shows both scenarios side by side, before either of you has to find out the hard way.
“One person doesn't cost half of two. The rent, the property tax, the car, the Medicare premiums — they're all still there. But the income from the person who's gone isn't.”
Household Protection plans for this moment because most families never see it coming.
Couples who finally have the full picture.
“My husband and I both have significant retirement accounts. No tool could show us both until WiseNest. Now we plan every year knowing the complete picture — separate and together.”
Leila J.Austin, TXIllustrative example
“We're both 59, both maxing our 403(b)s. Household Protection gave us a real scare, but seeing the exact gap meant we could actually fix it. We added life insurance and changed when we'll claim Social Security.”
“We both came in with kids from previous marriages. Keeping our finances somewhat separate wasn't a trust issue — it was about making sure each of our kids' inheritances were protected. WiseNest got that.”
Pro: for planning with your partner
Yours, mine and ours. Each of you keeps your own login.
$12/mo · or $89/yr · save $55
Paying never buys the right to see.
If one of you pays for a plan, it changes nothing about what crosses between you.
Preview: the demo shows today's app
Free forever, for every person. Base never asks for a card. Base does not connect to your banks.
Two logins.
One life together.
Each of you keeps your own account. Together, you choose what's yours, what's mine and what's ours.
Preview: the demo shows today's app