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.
A one-time financial plan from an advisor averages $2,000–$12,000. WiseNest Pro runs your plan 365 days a year for $89.
— Rich, Founder
forever
Everything you need to see your real picture — free, forever.
- Manual entry — you're in control
- Base-case projection (Bear · Base · Bull)
- 1 saved scenario
- Social Security estimator
- Income & expense tracking
- 1-page report
- Cundina — join one (tracker)
- Share read-only with abuela
- Full English & Spanish
- Your data is always yours
- Monte Carlo success % (10,000 futures)Pro
- Survivor ModePro
- Multi-profile householdFamilia
Serious tools. Your real odds, not a guess.
- Everything in Esencial
- Account sync
- Monte Carlo — 10,000 futures, success % & percentile bands
- Social Security Optimizer (health, survivor & COLA)
- Survivor Mode
- Roth conversion optimizer
- Tax projections & RMDs
- Debt Freedom Center
- Legacy & inheritance
- Unlimited scenarios
- Cundina — create & run
- Inbound family invitations
- Priority support
The peace of mind of seeing 10,000 versions of your retirement — not just one hopeful line.
Try Live DemoOne household. Every generation. Both languages.
Less than $4 each — whole family included
- Everything in Pro
- Up to 5 members in one household
- Each member reads their plan in their own language
- Full visibility with privacy controls (Kitchen Table · Living Room · Private Bedroom)
- Family flows both ways
- Bilingual PDF report per member
- Coordinated Social Security across the family
- Household Survivor Plan
- Legacy & Gifting
- Multi-cundina + family cundina hub
- Priority bilingual support
5 seats included · +2 per $5/mo pack · up to 5 packs (15 seats max)
Where abuela reads her report in Spanish, you see the whole picture in English, and nobody shares a password.
Try Live DemoWhy families choose Familia
One shared plan for up to 5 family members. Each person reads everything in the language that feels most natural to them. Smart privacy controls let you decide exactly what each person sees — nothing more, nothing less.
At full size, it costs less than $4 per person per month. Perfect for multi-generational households that include parents, grandparents, adult children, and special needs support.
This is the plan we built for our own family — and for yours.
Start with 7 days of full Familia — no credit card — and keep your data forever.
After the trial you keep everything you entered. Features you don't pay for become locked previews; upgrade and they reopen instantly. Your data is always yours.
Full Feature Comparison
| Feature | Esencial | Pro ⭐ | Familia ✨ |
|---|---|---|---|
Plan Overview + Bear/Base/Bull projections | |||
14-step setup wizard | |||
What-If scenario modeling | |||
Basic tax analysis | |||
Save scenarios | 1 | Unlimited | Unlimited |
Export PDF report | 1-page | 3-page full | Per-member bilingual |
Social Security | Estimator | Optimizer | Optimizer (coordinated) |
Readiness signal | Worded band | Monte Carlo success % (10,000 paths) | Monte Carlo success % (10,000 paths) |
Account sync | — | 4/mo | 4/mo |
Monte Carlo (up to 10,000 simulations) | — | ||
Roth Conversion Ladder optimizer | — | ||
Survivor Mode | — | Full | Household Survivor Plan |
Legacy & inheritance planning | — | Legacy & Gifting | |
Debt Freedom Center | — | ||
Detailed tax projections + RMD schedule | — | ||
Cundina | Join one (tracker) | Create & run | Multi-cundina + family hub |
Multi-profile household | — | — | Up to 5 · +$5/ea |
Family flows | Outbound read-only | Inbound invitations | Bidirectional + full visibility |
Bilingual EN/ES | Per-member PDFs | ||
Support | Self-serve | Priority | Priority bilingual |
All plans are subject to our Terms of Service. Questions? Email us at
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.
Professional-grade planning at $89 (Pro) / $149 (Familia) a year — under the paid field, with what the others don't have: real bilingual planning, your whole family, and tools that respect your dignity.
| Feature | WiseNest | Boldin | ProjectionLab | Empower | Monarch | Gov/SSA |
|---|---|---|---|---|---|---|
| Annual price (paid plan) | Pro $89 · Familia $149 | ~$120/yr | ~$108–120/yr | Free (AUM-monetized) | ~$100/yr | Free |
| Free usable tier | limited | limited | — | |||
| Monte Carlo (10,000 paths) | ✓ Pro | partial | — | — | ||
| Truly bilingual EN/ES | — | — | — | — | partial | |
| Multi-generational household | ✓ Familia | — | — | — | partial (budgeting) | — |
| Survivor Mode | 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 |
Competitor prices are list prices as of June 2026 and may change. Empower is free because it monetizes assets under management. "partial" means a limited or different implementation.
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
Pricing is simple because the decision should be simple.
— Rich, Founder. There's no upsell, no hidden tier, no advisor fees baked in. What you see is what your family pays.
Common questions.
Live demos — no login, no credit card
Jump into any tier. Full features, real math — nothing held back.
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