One price.
A plan your whole family trusts.
Professional-grade retirement tools at a fraction of the advisor fee. Every plan starts with a 7-day free trial — no credit card required. Lifetime deals available while we're in early access.
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
forever
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
/month · or $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.
Start My PlanTry Live Demo/month · or $149/yr
One household. Every generation. Both languages.
Less than $4 each — whole family included
- 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
5 seats included · +2 extra seats per $5/mo pack · max 5 packs · 15 seats total
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.
Try Familia Demo →Try Live DemoWhy They Chose WiseNest
"My financial advisor charges $3,600 a year for a plan I look at once. WiseNest is $89 and I use it every week. The ROI comparison isn't even close."
Sandra L.
HR manager, age 55 · Switching from advisor-only to self-directed
"The 7-day trial with no credit card is what got me in the door. I was skeptical. By day three I had run 12 different scenarios and was completely sold."
Jorge V.
Freelancer, age 49 · Now a Pro subscriber
For families with a financial advisor
Invite your advisor. Get 3 months free.
Ask your financial advisor to join WiseNest Connect and earn 3 months free on your next billing cycle — automatically applied when they register.
WiseNest Connect
Invite your advisor — they get your full plan instantly.
Your advisor gets your complete WiseNest plan automatically — ready to review. Ask your advisor to register on WiseNest Connect and you'll receive 3 months free on your next billing cycle.
FOR FINANCIAL ADVISORS
WiseNest Connect — from $79/mo
Plans built for independent financial advisors and RIA firms. Manage clients, share white-label reports, and access advanced planning tools.
or, pay once and own it forever
Pay once.
Plan forever.
A small group of founding families can lock in WiseNest for life — no renewals, no price increases, ever. We'll honor this price for every future feature we ship. Founding family pricing ends September 30, 2026.
- Everything in Base
- Monte Carlo (10,000 paths)
- Survivor Mode
- Legacy & inheritance planning
- Tax projections & RMDs
- Account sync: 1 refresh/month
- Unlimited scenarios, forever
- Everything in Pro Lifetime
- Up to 5 household members included
- Each member reads in their own language
- Bilingual PDF reports for every member
- Coordinated SS strategy across the family
- All future Familia features, forever
Full Feature Comparison
| Feature | Trial | Base | Pro ⭐ | Family ✨ | Adv Base | Adv Pro |
|---|---|---|---|---|---|---|
Plan Overview + Bear/Base/Bull projections | ||||||
14-step setup wizard | ||||||
What-If scenario modeling | ||||||
Basic tax analysis | ||||||
Save scenarios | Trial only | Up to 3 | Unlimited | Unlimited | Unlimited | Unlimited |
Export PDF report | — | 1-page | 3-page full | 3-page bilingual | 4-page white-label | 4-page white-label |
Monte Carlo (10,000 simulations) | Trial only | — | ||||
Detailed tax projections + RMD schedule | Trial only | — | ||||
Roth Conversion Ladder optimizer | Trial only | — | ||||
Survivor Mode | Trial only | — | ||||
Legacy & inheritance planning | Trial only | — | ||||
Debt Freedom Center | — | — | — | — | ||
Multi-profile household (parents, abuelos, kids) | — | — | — | Up to 5 · +$5/ea | ||
Family invitations (read-only) | — | — | — | |||
Bilingual EN/ES report sharing | — | — | — | |||
Multi-client dashboard (5–100+ seats) | — | — | — | — | ||
White-label branded PDF reports | — | — | — | — | ||
Client sharing portal | — | — | — | — | ||
Priority support | — | — | ||||
Client seats (advisor plans) | — | — | — | — | 30 clients (Connect) | 75 clients (Practice) |
Enterprise / custom contract | — | — | — | — | — | Contact us |
All plans are subject to our Terms of Service. Questions? Email us at advisors@getwisenest.com.
From sign-up to clarity, in four steps.
No billing surprises. No learning curve. Just a clear path from "I'm not sure" to "I've got a plan."
Choose your plan
Start with the free 7-day trial — no credit card ever. Or pick Base, Pro, or Advisor if you already know what fits.
Start your free trial
Every feature unlocked from day one. Monte Carlo, Roth ladder, tax projections — try it all, no restrictions.
Set up your plan
The 14-step wizard walks you through accounts, income, family, and goals. Most people finish in one sitting.
Upgrade when ready
Loved it? Upgrade to keep your scenarios, export your PDF, and unlock the features that matter most to you.
Live demos — no login, no credit card
Jump into any tier. Full features, real math — nothing held back.