Nino - 2026 Pricing, Features, Reviews & Alternatives

Nino is a cloud-based personal finance platform that combines AI-powered software with optional human financial planning and tax services for individual consumers in the United States. The platform supports W-2 employees, couples filing jointly, business owners, and employees with equity compensation. Nino is also available as an employer-sponsored financial wellness benefit for companies of all sizes. Core software capabilities include account aggregation via read-only secure connections, transaction tracking with custom categories and CSV import, investment portfolio tracking with performance and allocation views, equity compensation tracking (RSUs, ISOs, grants, vesting, exercise and sale events), property tracking with mortgage and rental income details, and a document vault with auto-import of W-2s, pay stubs, and tax returns. An AI financial chat answers questions using connected account data, uploaded documents, market data, company news, and SEC filings, with citations provided for every response. Proactive insights surface cash flow patterns, company-stock concentration risk, and equity deadlines without requiring user prompts. Retirement and life-event forecasts support what-if scenario modeling, and forward-looking tax projections and estimates are included across plans.

Nino organizes planning into structured modules: Tracks for goal-based planning (home purchase, retirement, contribution targets), Forecast for cash flow and net-worth projections, and a Financial Plan with outcome summaries and spending projections. Tax filing coverage for federal and state returns is included on every Advisor plan. An optional add-on pairs users with a dedicated CPA and Certified Financial Planner team that builds a personalized financial plan, handles year-round tax planning, and prepares and files federal and state tax returns. The CPA and financial planner work from the same view of the user's finances, and the dedicated team retains knowledge of the user's financial situation year over year. Nino is priced on a flat-fee basis with no percentage-of-assets charge, and the AI software is available as a standalone product without requiring an advisor engagement. A 7-day free trial requires no credit card, and Advisor plans include a 30-day money-back guarantee.