Finally, a plan for
your whole family.
Retirement planning built for the way families actually work — across generations, across languages, and across the kitchen table.
No login required for the demo · 7-day free trial · No credit card
Built by Rich — a founder who needed this for his own family. Read his story →
"I built it for my family. I'm sharing it with yours."
Father. Husband. Founder.
One platform
One plan. Every screen.
One plan for the whole familia — in the language each person speaks.
Desktop gives you deep retirement projections and Monte Carlo simulations at the kitchen table. Tablet makes family meetings simple and clear. Phone lets you check progress anywhere, anytime.
Built by a soon-to-be retiree who needed this exact tool for his own bilingual, multi-generational family — complete with survivor planning, cundina support, and strong privacy controls so everyone stays protected and informed.
Start Your Free 7-Day Familia Trial
My wife showed me how her family had always saved together through a cundina. No retirement tool had ever acknowledged it existed. So we built it in.
— Rich, Founder of WiseNest
Why WiseNest
Your whole family.
One retirement plan.
Generic planners build for one person with a simple life. Real families are more complicated — multi-generational households, bilingual members, special-needs dependents, coordinated Social Security decisions, and legacies that matter. WiseNest is built for all of it.
10,000 futures modeled
Monte Carlo runs 10,000 market simulations against your portfolio so you know your plan survives reality — not just average returns.
Survivor Mode built in
See exactly what happens to your family's financial picture if the unthinkable does. No other consumer tool does this.
Legacy without the lawyer
Model inheritance goals, charitable giving, and trust strategies. Build the 'thanks Mom and Dad' fund — or the 'sorry kids' one.
Tax-smart by default
Roth ladders, RMDs, Social Security timing, bracket management — we help you keep more of what you spent decades earning.
Powerful Features
Every tool serious planners need. All in one place.
Ditch the spreadsheet. WiseNest runs the complex machinery — Monte Carlo, Roth ladders, survivor scenarios, tax projections — so you can focus on the question that actually matters: am I going to be okay?
See Your Odds Across 10,000 Futures
Not averages — real market sequences, including the brutal ones. Know exactly where your plan holds and where it breaks, years before it matters.
Plan for the One Who Stays
No other tool does this. See exactly what changes for your family if one spouse passes first — income, Social Security, success rate — so the survivor isn't left guessing.
Try Any Change Before You Commit
Retire at 55? Move abroad? Delay Social Security by two years? Model any decision in seconds and see exactly how it shifts your odds before you act.
Real-Life Social Security Optimizer
Most families leave $50,000–$200,000 on the table by claiming at the wrong time. WiseNest finds the coordinated strategy that actually maximizes your household's lifetime SS wealth — including dependent child benefits, survivor protection, and three honest solvency scenarios.
Try the Real-Life SS Optimizer — No Login →
Debt Freedom Center
High-interest debt quietly steals your retirement years. See the fastest path to payoff — avalanche, snowball, or hybrid — and watch your Monte Carlo success rate climb as each balance hits zero.
Your Guide — Your Built-In Financial Coach
Your Guide rides along on the right side of every page, with two tabs. Coach gives you ranked, personalized next moves built from your real numbers — each one shows the dollar impact and a 'Why?' you can open. Learn explains exactly what's on the screen, plain or detailed, your choice. Full English and Spanish parity on every page, on every plan.
Built for how families actually work.
Most retirement tools assume one person, one plan. Familia is built for the household you actually have.
Everyone sees their view.
Kitchen Table, Living Room, or Private — each family member gets exactly the view they need. Nothing more, nothing less.
Plan for the what-ifs.
Survivor scenarios. Insurance gap analysis. Estate planning. The conversations families avoid — now structured and supported.
Give now, leave more later.
Track lifetime gifting and estate planning side by side. See the tax math. Optimize the timing.
"ya sé que voy a estar bien"
now I know I'm going to be okay
Spreadsheets don't retire. People do.
Three families. Three different reasons to plan. One tool that understood all of them.
Someone finally made a tool for me. Not a translation — the real thing, in my language.
— Esperanza, 71, Miami FL(Illustrative example)
Real Families. Real Plans.
"We have three generations in one household — my parents, us, and our kids. WiseNest was the first tool that could actually hold all of it. Seeing abuela's Social Security and our 401(k) in one plan changed everything for our family."
Claudia & Ernesto V.
Multi-generational household · Phoenix, AZ
You decide what your advisor sees.
Your advisor only sees what you choose to share. Toggle access to individual sections of your plan — projections, income, assets, debts — and change it anytime.
Try Any Plan — Free, No Login
Full features. Real math. Nothing held back.
base
Base Plan
Smart planning for single filers and couples — projections, tax, and scenarios.
pro
Pro Plan
Monte Carlo, SS Optimizer, Roth ladder, Survivor Mode & more.
familia
Familia Plan
Up to 5 members included — each additional member $5/mo. Bilingual, shared dashboards.
One plan. Five people. Every obligation included. $19/mo.
advisor
Advisor Plan
Full advisor toolkit — multi-client dashboard, white-label PDF reports, share portal.
Pricing
Honest pricing.
No surprises.
Professional-grade retirement tools without the enterprise price tag. And yes — lifetime deals exist while we're in early access.
The question isn't how much it costs — it's what an unanswered question could cost your family.
Kick the tires. We're not sneaky.
- Full access for 7 days
- Every feature unlocked
- No credit card ever
Know where you stand. Free forever.
- Core planning tools
- Basic scenarios
- Expense & income tracking
See the retirement plan your advisor never showed you. $12/mo.
- Monte Carlo (10k paths)
- Tax projections & RMDs
- Survivor & Legacy Mode
One plan. The whole familia. In both languages.
- Everything in Pro
- Multi-profile household (parents, abuelos, kids)
- Family invitations & bilingual PDF reports
Invite your advisor — they get your full plan instantly, and you get 3 months free.
- Full plan handoff — nothing to re-enter
- Bilingual shared advisor portal
- 3 months free when your advisor joins
Your advisor's best clients all come prepared. Now you can too.
The average advisor charges $12,000/year (1% AUM on a $1.2M portfolio). WiseNest Pro costs $89/year — and it shows you the Social Security claiming mistake your advisor never caught.
See if you're leaving $100,000+ in unclaimed Social Security benefits
For comparison purposes only. WiseNest is a planning tool, not investment advice.
Stop guessing.
Start knowing.
Build a real retirement plan in under 30 minutes — backed by 10,000 Monte Carlo simulations. 7 days free. No credit card. No spreadsheet.
Have a beta code? Enter it when you sign up →