Powerful tools
for real families.
Monte Carlo simulations, Roth ladders, Survivor Mode, and a real-life Social Security optimizer — all in your browser, without a $5,000/year advisor contract.
Your entire retirement picture, at a glance.
The WiseNest dashboard shows your Bear/Base/Bull success rates, portfolio balance, funded age, Roth conversion opportunities, and legacy progress — all on one clean screen. No digging required.
- Bear, Base & Bull success rates at a glance
- Portfolio value across all account types
- Key action items and optimization opportunities
- Beautiful, printable reports for advisors or family
See where you stand. Feel motivated to keep going.
My Progress is your habit-forming check-in hub — 3 big health metric cards, live historical trend charts for net worth, success rate, and funded-through age, plus a 5-section update modal that keeps your plan accurate in 2 minutes.
- 3 large health cards — net worth, success %, funded-through age, each with Δ vs last update
- Historical trend charts showing net worth, success rate, and funded-through age over time
- Expanded 'Update My Situation' modal with accounts, debts, income & expense sections
- Confetti + celebratory impact summary after each update (net worth Δ · success rate Δ)
- Ranked action items and personalized coaching based on your actual numbers
Live Account Sync — Always Accurate, Always Up to Date
Stop manually updating balances. Securely connect your accounts and let WiseNest automatically keep everything current.
Sync your full financial picture
Connect bank, 401(k), IRA, and brokerage accounts — all in one place.
Up to 4 refreshes / month on Pro
Auto-refreshing balances on Pro and Advisor plans keep your numbers fresh.
True net worth & real-time portfolio
Every projection runs on your actual balances — never on a stale spreadsheet.
Fewer errors, sharper projections
Automated data means no typos and no forgotten accounts skewing your plan.
Available in English & Spanish
Every label, balance, and confirmation works seamlessly in both languages.
Bank-level security.
You are always in full control — connect and disconnect accounts anytime. We never sell your data or share it with third parties.
10,000 versions of your future, stress-tested.
A plan that assumes average returns every year is a plan built on wishful thinking. WiseNest runs 10,000 simulations across different market sequences so you know exactly where your plan holds — and where it doesn't.
- 10,000 Monte Carlo simulation paths
- Sequence-of-returns risk modeling
- Probability cone visualization (median + worst 10%)
- Bear market and recession scenario testing
What happens if the worst happens? See it clearly.
No other consumer retirement tool does this. Survivor Mode models exactly what changes for your household if one spouse passes first — income shifts, Social Security survivor benefits, reduced spending, and a new success rate for the survivor.
- Side-by-side joint vs. survivor comparison
- Automatic Social Security survivor benefit calculation
- Income gap modeling for single-income households
- Plan confidently for the person who outlives you
Build the 'Thanks Mom & Dad' fund.
Whether you want to leave something meaningful to your children, set up a special-needs trust, or give to charity — Legacy Mode models exactly what you'll leave behind and to whom, across every projected scenario.
- Estate value projection at any age
- Beneficiary allocation modeling
- Special-needs trust planning
- Annual gift exclusion per recipient
- Charitable giving optimization
The IRS gets enough. Keep more of what you earned.
WiseNest models the full tax picture across your pre-tax, Roth, and taxable accounts — including RMDs, Social Security taxability, Roth conversion windows, and bracket management — to minimize your lifetime tax burden.
- Automated Required Minimum Distribution (RMD) schedule
- Roth conversion ladder with optimal timing
- Social Security taxability calculations
- Recurring charitable giving deduction (cash, stock, or QCD)
- Multi-decade effective tax rate projection
Crush your debt. Unlock your retirement.
High-interest debt quietly drains the portfolio you worked decades to build. The Debt Freedom Center maps the fastest route to a zero-debt household — and shows you exactly how each payoff milestone improves your retirement success rate.
- Avalanche (highest-rate first) vs. snowball (smallest balance first) — compare both strategies side-by-side
- Live Monte Carlo preview — watch your success rate jump as you mark each debt paid off
- Integrated payoff timeline shows when you're debt-free and when those freed-up dollars flow into retirement savings
- Prioritized action list: which debt to attack first for the biggest retirement impact
More lifetime income. For your whole family.
WiseNest models health-adjusted claiming ages, survivor protection, dependent child benefits, and COLA compounding — so you can find the claiming strategy that actually fits your family, not just a generic table.
- Health-adjusted claiming ages — your horizon, not a one-size-fits-all number
- Survivor protection built in — delay the higher earner to shield your spouse for decades
- Dependent child benefits modeled — families with younger kids can claim earlier and invest longer
- COLA compounding — your benefits, invested wisely, can compound for decades after claiming
- Whatever Social Security looks like when you retire, we'll model it honestly
"I finally feel like we're all on the same page — grandma, my parents, and me."
Sofia A. · Three-generation household · Familia plan
"The Social Security optimizer alone is worth the subscription. It showed us $34,000 in additional lifetime benefits we were about to leave on the table by claiming at 62."
Kevin & Janet M.
Retired teachers, ages 63 & 61 · Married filing jointly
"I've paid financial advisors thousands of dollars over the years. WiseNest's Monte Carlo gives me the same depth — updated every time I tweak a number. It's a completely different level of control."
Marcus T.
Software engineer, age 58 · Planning retirement at 62
Model it before you send that resignation email.
Create 'what if' scenarios without touching your base plan. Retire at 55, move to Portugal, delay Social Security, downsize the house — model any change and instantly see how it affects your success rate.
- Save up to 3 scenarios on Base · unlimited on Pro
- Side-by-side success rate comparison
- Pre-built templates (Early Retirement, Delay SS, Downsize, etc.)
- Delta view — see exactly what changed
See your plan survive the worst — and thrive in the best.
Most planners show you one number. WiseNest shows you three: a Bear Market scenario stress-tested against historical downturns, a Base Case using realistic long-term averages, and a Bull Market showing the upside. Know your floor. Know your ceiling.
- Bear Market: models a sustained downturn — your worst-case floor
- Base Case: realistic long-term average returns
- Bull Market: extended growth scenario — your upside potential
- All three run side-by-side so you always know your range
From zero to a complete plan in under 30 minutes.
The guided 14-step wizard walks you through everything — your family, income, expenses, assets, Social Security strategy, tax setup, survivor plan, and legacy goals — so your first plan is actually complete, not just a guess.
- 14 guided steps covering every major input
- Smart defaults and helpful explanations throughout
- Save your progress and return anytime
- Review and adjust any step after completion
Your retirement plan, wherever you go.
WiseNest is built natively for Android and iOS so you can track your progress, review projections, and share plan updates from any device — no browser required.
- Native iOS & Android apps included on every plan
- Real-time sync across all your devices
- Secure biometric login
- Full plan access — projections, scenarios, and reports
Run your whole practice. Impress every client.
White-label PDF reports, a secure Data Vault, a visual client pipeline, and auto-generated meeting prep — everything you need between every client meeting, in one place.
"We're planning for three generations — my parents, my wife and me, and our two adult kids. WiseNest is the only tool where all of us can see our piece of the plan without oversharing. The Familia permissions are exactly right."
David R.
Multi-generational household · Advisor-referred Familia member
$79 /mo
30 clients · $4/client overage
$149 /mo
75 clients · $3/client overage
$299 /mo
Unlimited advisor seats
Need 100+ seats or a team / RIA setup? Contact Advisor Sales for custom pricing and volume discounts.
Pipeline & sortable client roster
Visual drag-and-drop pipeline with Prospect → Onboarding → Active → Review → At Risk stages. Sortable table with success rate, AUM, and years to retirement. Advisor Connect (30 clients), Practice (75 clients), or RIA Firm.
Secure Data Vault + meeting prep
Store engagement letters, IPS docs, and key documents per household — encrypted at rest. One-click auto-generated Meeting Prep PDFs built from the plan data you already keep current.
White-label reports + client portal
Every PDF and share link carries your firm's logo, name, and accent color — not ours. Each client gets a secure, read-only portal branded entirely as your firm.
Everything you need, in the right order.
WiseNest guides you from setup to ongoing optimization — no manual to read, no advisor required.
Complete the setup wizard
14 guided steps build your full financial picture — accounts, income, family, goals. Done in one sitting.
Get instant projections
Bear, Base, and Bull success rates appear immediately. Monte Carlo runs 10,000 paths so your numbers are real, not average.
Optimize tax & Roth strategy
The tax analysis, Roth ladder, and RMD schedule show you exactly when and how to move money to keep more of it.
Track progress for life
Update your situation anytime. My Progress tracks your net worth and success rate over time — and tells you what to do next.
7 days free · No credit card · Cancel anytime
Everything in one table.
Every plan starts with a 7-day free trial — no credit card required.
| Feature | Trial Free · 7 days | Base Free/mo | Pro $12/mo | Familia $19/mo |
|---|---|---|---|---|
| Plan Overview + Bear/Base/Bull projections | ||||
| 14-step setup wizard | ||||
| Account sync refreshes (bank, brokerage & 401k) | 1 / mo | 1 / mo | 4 / mo | 4 / mo |
| What-If scenario modeling | ||||
| Basic tax analysis | ||||
| Save scenarios | Trial only | Up to 3 | Unlimited | Unlimited |
| Export PDF report | — | 1-page | 3-page | 3-page |
| Monte Carlo (10,000 simulations) | Trial only | — | ||
| Detailed tax projections + RMD schedule | Trial only | — | ||
| Roth Conversion Ladder optimizer | Trial only | — | ||
| Social Security Optimizer (health-adjusted, survivor & COLA) | Trial only | — | ||
| Survivor Mode | Trial only | — | ||
| Legacy & inheritance planning | Trial only | — | ||
| Debt Freedom Center | — | — | ||
| Multi-profile household (parents, abuelos, kids) | — | — | — | |
| Family invitations (read-only access) | — | — | — | |
| Bilingual EN/ES reports | — | — | — | |
| Priority support | — | — |
We're not the best at everything. Here's where we win — and where we don't.
ProjectionLab and Boldin are excellent tools with longer track records. We built things they didn't — bilingual support and one shared plan for the whole family.
| WiseNest Basic | WiseNest Pro | WiseNest Familia | ProjectionLab | Boldin | |
|---|---|---|---|---|---|
| Bilingual EN/ES (full app + reports) | |||||
| Multi-generational profiles | 1 | 1 | 3 · 1 price | 1 | 1 |
| Survivor / widow mode | Partial | Partial | |||
| Special-needs planning | |||||
| Family shared dashboard | |||||
| Monte Carlo simulation | |||||
| Roth conversion optimizer | |||||
| Tax-aware withdrawal sequencing | |||||
| Social Security deep optimizer | Basic | Basic | Partial | ||
| Side-by-side scenario comparison | Partial | ||||
| Native mobile app | |||||
| Education library / courses | |||||
| Community forum | |||||
| Account aggregation | Teller | Teller | Teller | Plaid | Plaid + direct |
| 5+ year track record | |||||
| Price | Free · $0/yr | $12/mo · $89/yr | $19/mo · $149/yr | $129/yr | $144/yr |
WiseNest prices shown as monthly / annual. Competitor prices shown annual only. Annual plans save ~15%. Competitor pricing and features reflect public information as of 2026 — we update this when they ship something new.
7 days · no CC ever
Kick the tires. We're not sneaky.
- Full access for 7 days
- Every feature unlocked
- All Pro tools included
- No credit card ever
/month · $0/yr
The essentials, priced for humans.
- Core planning tools
- Basic scenario modeling
- Expense & income tracking
- Social Security estimator
- 1-page print-ready report
- Account sync: 1 refresh/month
Invite your advisor to WiseNest Connect — you earn 3 months free when they join
/month · $89/yr
Serious planners. Serious tools.
- Everything in Base
- Social Security Optimizer (health-adjusted, survivor & COLA)
- Monte Carlo (10,000 paths)
- Survivor Mode
- Legacy & inheritance planning
- Tax projections & RMDs
- Roth conversion optimizer
- Debt Freedom Center
- Unlimited scenarios
- Account sync: 4 refreshes/month
- Priority support
- Native iOS & Android app
Peace of mind. Unlimited scenarios. Monte Carlo precision. Roth optimization.
Invite your advisor to WiseNest Connect — you earn 3 months free when they join
/month · $149/yr
One household. Every generation. Both languages.
- Everything in Pro
- Multi-profile household — 5 members included · +2 seats per $5/mo pack · up to 5 packs (15 seats total)
- Each member reads their plan in their own language
- Family invitations with privacy controls (read-only)
- Bilingual PDF reports — one per member
- Coordinated SS strategy across your whole family
- Debt Freedom Center for every household member
- Priority bilingual support (EN/ES)
- Native iOS & Android app
The only plan where abuela reads her report in Spanish, you see the full picture in English, and every generation stays in the loop — no shared passwords.
Invite your advisor — you earn 3 months free · Your advisor earns $25/mo while you're active on Familia
Live demos — no login, no credit card
Jump into any tier. Full features, real math — nothing held back.
Invite your advisor in. They get your full plan instantly.
Your advisor gets your complete WiseNest plan automatically — Monte Carlo projections, SS optimization, Roth ladder, and Familia details — ready to review. No re-keying required.
Stop guessing. Start knowing.
Test every feature free for 7 days. No credit card. No spreadsheet required.