Everything your family needs.
Nothing you don't.
WiseNest is built in three acts: your retirement, your family's plan, and your advisor connection. All in one place.
Your retirement. Completely modeled.
From Social Security timing to Roth conversions to Medicare surcharges — every variable that affects your retirement, in one plan.
Retirement Projection
See exactly how long your money is likely to last with 50-year Monte Carlo modeling across 10,000 possible futures.
- ✓Know your real success rate instead of just averages
- ✓Model every major variable in one place
- ✓Understand the impact of different market conditions
- ✓Make confident decisions years before you need to
Included in: Pro · Familia
Social Security Optimizer
Find the best claiming strategy for your specific ages, benefits, and family situation.
- ✓Maximize lifetime household Social Security income
- ✓Account for survivor benefits and dependent rules
- ✓Could add tens of thousands of dollars to your plan
- ✓Works for couples and multi-generational households
Included in: Pro · Familia
Tax Intelligence
Model federal taxes, IRMAA surcharges, Roth conversions, and RMDs together instead of in isolation.
- ✓Keep more of what you worked hard to save
- ✓Find optimal Roth conversion windows
- ✓Reduce Medicare surcharges where possible
- ✓Smart tax planning built into every projection
Included in: Pro · Familia
Debt Freedom
Compare paying off debt versus investing — see which path actually gets your family to retirement faster.
- ✓Model avalanche, snowball, and hybrid strategies
- ✓Watch your Monte Carlo success rate improve in real time
- ✓Reduce high-interest drag on your retirement
- ✓Make informed payoff decisions with confidence
Included in: Pro · Familia
Healthcare & LTC
Plan for what Medicare does not cover, including long-term care costs.
- ✓Model realistic healthcare expenses over decades
- ✓Understand long-term care risks and options
- ✓Protect your savings from major medical events
- ✓Build buffers that give your family peace of mind
Included in: Pro · Familia
Your home is part of the plan.
WiseNest models your home equity as an optional income source — downsizing proceeds, a reverse mortgage, or a legacy asset for your family. Because for most first-generation families, the house is the biggest asset, and it belongs in the projection.
Included in Pro and FamiliaFrom zero to a plan you trust in minutes.
No spreadsheets. No financial jargon. Just four simple steps and you'll have a Monte Carlo-backed retirement plan built around your real life.
Answer 14 guided questions
The guided wizard walks you through your retirement picture — income, savings, family, expenses. Takes about 10 minutes.
Get your Monte Carlo plan
WiseNest runs 10,000 market simulations against your numbers and shows Bear, Base, and Bull success rates instantly.
Explore what-if scenarios
Retire at 60? Move abroad? Delay Social Security? Test any change and see exactly how it shifts your retirement odds.
Track progress over time
Update your situation anytime. Watch your net worth and success rate trend upward as you save, optimize, and plan.
7 days free · No credit card · Cancel anytime
Planning for the people you love.
Survivor planning, Familia multi-member households, Cundina, Legacy — because your retirement doesn't exist in a vacuum.
Survivor Mode
Know exactly what changes for your spouse and family if one of you passes first — so no one is left guessing.
- ✓See coordinated Social Security changes and survivor benefits
- ✓Identify income gaps and how the surviving spouse is protected
- ✓Run updated success rates across 10,000 possible futures
- ✓Keep the full family plan intact with automatic adjustments
Included in: Pro · Familia
Familia Plan
One shared account for up to 5 family members with smart privacy controls.
- ✓Add parents, adult children, and siblings
- ✓Each person sees the view they need in their preferred language
- ✓Privacy tiers so everyone stays informed but protected
- ✓Perfect for multi-generational and special-needs households
Included in: Familia
Cundina
Built-in support for the traditional rotating savings and lending circles many families already use.
- ✓Track cundina contributions and payouts inside your plan
- ✓Also known as tanda, sou-sou, hui, esusu, vaquita, or ajo
- ✓Integrate trusted cultural saving methods with modern retirement math
- ✓Strengthen the way your family already supports each other
Included in: Pro · Familia
Legacy & Gifting
Model inheritance, gifting, and estate basics alongside your retirement plan.
- ✓Build a clear family tree and beneficiary plan
- ✓Track lifetime gifting and its tax impact
- ✓Plan for trusts and legacy goals
- ✓Make sure your wishes are easy for your family to follow
Included in: Pro · Familia
Work with an advisor. Share your plan.
WiseNest is built to work alongside your financial advisor. Share your complete plan with one click. Your advisor sees the same numbers you do.
The retirement check-in
you'll actually look forward to.
Most planning tools give you a wall of numbers. My Progress gives you a warm, motivating snapshot — your net worth today, how your Bear / Base / Bull scenarios compare, progress toward your goals, and an encouraging message from your future self.
- Net worth hero card — all accounts and debts in one number
- Bear / Base / Bull success rates side-by-side
- Goal progress bars with % complete
- Personalized coaching message based on your numbers
- Ranked action items — what will move the needle most
📈 5 years of growth
Success: 61% → 87%
One plan. The language that feels like home.
WiseNest is built in both languages simultaneously — not translated from English. Every number, every chart, every notification is available in English and Spanish, with the same mathematical precision. Your abuela reads the same projection as your son. Because a plan that only one of you can read isn't a family plan.
"Un plan que solo uno de ustedes puede leer no es un plan familiar."
A plan only one of you can read isn't a family plan.
Ready to see it?
Explore a pre-loaded family plan in 5 minutes. No login, no credit card.