Start free.
Add more when your family is ready.
Base costs nothing and never asks for a card. Pro is $12/mo and Familia is $19/mo. Care pricing is coming soon.
Base
Free
forever
Plan your retirement on your own account.
- Your own plan, with likely-range projections
- Social Security estimator
- Share with the people you choose
- Full English and Spanish
Base does not connect to your banks.
Pro
$12/mo
or $89/yr · save $55
$449 once, for life
Plan with your partner: yours, mine and ours. Each of you keeps your own login.
- Everything in Base
- Account sync with your banks
- Your real odds: 10,000 possible futures
- Household Protection
- Roth, tax and Social Security tools
Familia
$19/mo
or $149/yr · save $79
$649 once, for life
See your whole family in one view.
- Everything in Pro
- Each person reads their plan in their own language
- A bilingual report for each person
- Family notes, ideas and milestones
- Family cundina hub
Care
Pricing coming soon
Help a parent, with their yes. Works with any plan.
- Mom stays in charge of her own account
- She names who helps
- Every change is written down
- The family can see each change and object
Care is not a legal power of attorney.
Who pays is not who sees
Paying never buys the right to see.
Diego helps pay. He sees what he saw before.
Mom sees that Diego is helping, not how much.
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.
Full Feature Comparison
All plans are subject to our Terms of Service. Questions? Email us at support@getwisenest.com.
| Feature | Base | Pro ⭐ | Familia ✨ | Care |
|---|---|---|---|---|
Plan Overview + likely-range projections | — | |||
Setup wizard, up to 15 steps | — | |||
What-If scenario modeling | — | |||
Basic tax analysis | — | |||
Save scenarios | 1 | Unlimited | Unlimited | — |
Export PDF report | 1-page | 3-page full | Bilingual, for each person | — |
Social Security | Estimator | Optimizer | Optimizer (coordinated) | — |
Readiness signal | Worded band | Monte Carlo success % (10,000 paths) | Monte Carlo success % (10,000 paths) | — |
Account sync | — | Up to 6 banks | — | |
Monte Carlo (up to 10,000 simulations) | — | — | ||
Roth Conversion Ladder optimizer | — | — | ||
Household Protection | — | Full | Full | — |
Legacy & inheritance planning | — | Legacy & Gifting | — | |
Debt Freedom Center | — | — | ||
Detailed tax projections + RMD schedule | — | — | ||
Cundina | Join one (tracker) | Create & run | Multi-cundina + family hub | — |
Bilingual EN/ES | — | |||
Support | Self-serve | Priority | Priority bilingual | — |
Your mom names who helps | — | — | — | |
Every change is written down | — | — | — | |
The family sees each change and can object | — | — | — | |
Coordinators can leave notes and suggestions | — | — | — |
All plans are subject to our Terms of Service. Questions? Email us at support@getwisenest.com.
CUNDINA
Just want the cundina? Use it on its own, free. Run your savings circle with family or friends — without opening the full retirement plan.
Where we lead — and where we don't.
Serious planning tools, plus what the others don't have: real bilingual planning, your whole family in one view, and tools that respect your dignity.
| Feature | WiseNest | Boldin | ProjectionLab | Empower | Monarch | Gov/SSA |
|---|---|---|---|---|---|---|
| Free usable tier | limited | limited | — | |||
| Import from a money-app CSV (no bank login) | — | — | — | — | — | |
| Bank account auto-sync | ✓ Pro · Familia | — | — | — | — | |
| Monte Carlo (10,000 paths) | ✓ Pro | partial | — | — | ||
| Truly bilingual EN/ES | — | — | — | — | partial | |
| Your whole family in one view | ✓ Familia | — | — | — | partial (budgeting) | — |
| Household Protection | partial | partial | — | — | — | |
| Cundina (rotating savings) | — | — | — | — | — | |
| Dignity-first, no-shame voice | — | — | — | — | — | |
| Your data is never held hostage | varies | varies | tied to AUM pitch | varies | n/a |
Based on what each app offered publicly in June 2026; this may change. "Partial" means a limited or different version.
Common questions.
Already have a lifetime plan? It's honored.
Live demos — no login, no credit card
Jump into any tier. Full features, real math — nothing held back.
Preview: the demo shows today's app
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