Scenario planning
Ask what if. Your CFP models your retirement, a career change, or a big purchase, and shows the impact on your whole plan.
Projected at retirement
$2.4M
Tax and financial planning built to grow your net worth
Get a dedicated team managing your spending, savings, debt, equity, investments, retirement, estate, and taxes.
How you can use Nino
Nino combines software and services to give you personalized guidance for any money question you have.
On track
Investment guidance
Understand your portfolio in plain English. Your CFP acts on idle cash, concentration risk, and tax-smart moves.
Portfolio
$486,200
US stocks$224K
Bonds$107K
Cash$87K
Move $12.4K idle cash to 4.8% APY
I have $10k just sitting in my checking account. Where should I invest it?
Real estate
Weigh selling versus renting it out with your CPA, track your equity, and time your next move on the numbers.
What if you moved?
Sell
+$300K
net, one-time
Rent it out
+$1,400
a month, keeps equity
Goal planning
Set a goal and your team builds the plan to reach it. A home, a wedding, or early retirement, with the numbers behind it.
Your goals
Home down payment
78%$62K of $80K
Wedding
68%$18K of $30K
Vacation fund
84%$8.4K of $10K
Equity & RSUs
Know what your equity is really worth after tax. Your CPA tracks vesting, catches bracket risks, and times your sales.
Equity, after tax
$412,000
Vests through Q2
March vest, sell-to-cover planned
Bracket risk avoided, saved $6,800
Long-term rate unlocks April 3
Waiting to sell saves $4,200 in tax
Subscription review
Our software finds every recurring charge, flags the ones you forgot, and shows what canceling saves you a year.
Subscriptions
12 active
Netflix
Streaming
Disney+
Unused 2 months
Hulu
Streaming
Amazon Prime
Unused 4 months
Spotify
Music
2 unused foundSave $348/yr
Spend analysis
See where your money goes. The software categorizes every transaction and surfaces what is worth acting on.
After reviewing your spending patterns, here are the three with the biggest impact on your financial goals:
1. High-interest debt: You're paying about $340 a month in interest across two credit cards.
2. Dining out: At $760 a month, this is your fastest-growing category over the last quarter.
3. Idle subscriptions: Two look unused, and canceling them frees up $250 a quarter.
Redirecting the dining and subscription spend alone would free up around $650 every month.
Together, these changes could lift your savings rate by about 8 points, enough to build a full emergency fund within the year.
June_Monthly_Expenses.csv
Spreadsheet
Analyze my spending this month and tell me the three biggest opportunities to improve my finances.
Achieve financial clarity
Get paired with a CPA, CFP, and our software for any high-stakes financial decision.
Achieve financial clarity
Get paired with a CPA, CFP, and our software for any high-stakes financial decision.
Track your money
See how much you make, what you spend, and where your money goes.
Connect to 12,000+ banks and brokerages
Talk to your CPA and CFP
A dedicated tax and planning team for one flat fee.
I exercised my startup ISOs last month. Big tax bill coming?
Yes. Exercising triggers AMT on the paper gain, so about $19,000 is due in April even though you haven't sold.
I don't have that in cash. What can I do?
Sell just enough to cover the AMT, hold the rest for long-term rates, and claim most of it back as a credit next year.
Got it, let's do it.
Plan for your future
Your team models any decision before you make it, not after.
Keep your money safe
Your accounts are secure, read-only, and encrypted.
Work with a dedicated CPA and CFP
Get software and services, or just software.
Individual
$3,600/ yr
For W-2 earners.
- Federal & state tax filing
- Free Ultra software included
- Full financial picture
- Retirement & equity planning
- Quarterly advisor access
Family
$4,800/ yr
For you and your spouse.
- Filing for you and your spouse
- Free Ultra software included
- Everything in Individual
- Joint & multi-state filing
- Quarterly and ad hoc advisor access
Business
$12,000/ yr
For business owners.
- Business and personal tax filing
- Free Ultra software included
- Everything in Family
- Advanced equity & estate planning
- Priority advisor access
30-day money-back guarantee
How Nino works
Your financial plan comes to life as soon as you connect your accounts. Your dedicated CFP and CPA work behind the scenes to keep it current, uncover opportunities, and help you reach your goals.
- Step 1
Connect your financial accounts
Bring your finances into one clear view with secure, read-only connections. Your money stays where it is.
- Step 2
See your plan come to life
Get an instant, personalized financial plan that shows where you stand today and highlights opportunities to save and invest.
- Step 3
Experts refine your plan
Your dedicated CFP and CPA review the details, refine your recommendations, and tailor your plan to what you want to achieve.
- Step 4
Your plan evolves with you
Your plan proactively updates as your finances change and our team guides you through life's biggest decisions, from changing jobs to buying a home.
- Step 5
Turn your plan into progress
Your team checks in quarterly with you to review progress, refine priorities, and keep you moving toward financial freedom.
What our members say
Why members trust our platform, CPA, and CFP.
“My old accountant only looked once a year. Nino's software watches everything, so my advisor caught a vest that was about to cost me $6,800, and fixed it before the deadline.”
Ryan Mitchell
New parent
