Skip to content

Pricing

Five tiers. Pay only for what you use.

Start free. Upgrade as your needs grow — Personal Pro and Family are self-serve. Communities (HOA / employer / CPA firm) and Pro Advisor (CFP / RIA) are partnership-mediated, with volume pricing tuned per partnership.

Tier Comparison Table

  • Personal Pro

    Popular

    $9 / month

    Continuous monitoring + advanced what-if scenarios for serious DIY planners.

    Start Free Trial

  • Free

    Free

    Try the planning workspace at no cost.

    Open the App

  • Family

    $19 / month

    Plan together with your spouse, partner, or adult children — one household, one plan.

    Start Free Trial

  • Communities

    Talk to Partnerships

    Personal Pro for every member of a community partner — sponsored by your HOA, employer, community organization, or CPA firm.

    Talk to Partnerships

  • Pro Advisor

    $79 / seat + $5 / active client

    Multiplayer mode for transparent advisor + client collaboration. Audience: CFP, RIA, fee-only fiduciary firms. Bring your book; clients get Premium for free.

    Talk to Partnerships
Feature comparison across NestPilot subscription tiers
FeaturePersonal ProFreeFamilyCommunitiesPro Advisor
Plan workspaceBuild a plan, run scenarios, inspect every assumption.
Continuous monitoring + alertsPlan re-runs on data changes; alerts when assumptions drift.
Multi-scenario comparisonSide-by-side projections for two or more plans.102UnlimitedUnlimitedUnlimited
Roth conversion workspaceYear-by-year conversion modeling with bracket-fill heuristics.Basic
Social Security claiming workspaceClaiming-age trade-offs, spousal coordination, break-even.Basic
Medicare / IRMAA workspaceIRMAA tier projection + plan-aware mitigation strategies.
Withdrawal sequencing workspaceTax-aware account-order optimization across pre-tax, Roth, taxable.
Household / multi-memberSpouse, partner, or adult children sharing one plan.Per-seatPer-client
Multiplayer mode (advisor-client)Live, transparent advisor-client collaboration on the same plan.
Proposal inbox + plan annotationsAdvisor sends scenarios; client reviews, accepts, or declines with full audit trail.
CPA-firm sanitized tax-prep import (ATX)Per-pilot sanitization rules + explicit client consent gating; the CPA-firm path that ships under the Communities tier.
Co-brand / white-labelNamed-partnership only; community partner or RIA branding.Partner-brandedNamed pilot
Volume / per-client pricingVolume pricing for community partners; per-active-client for advisors.
Compute credits / monthAI / LLM compute allotment auto-resets each billing cycle.500 CC200 CC1,000 CC10,000 CC10,000 CC
Email supportDirect support from the NestPilot team.PriorityPriorityPriority

What members say

“Excellent analysis and on-point recommendations. I love what you’ve done with the toolset — what a great help to anyone looking for solid advice and not wanting to pay a 1% AUM fee to get the same (or worse) advice.”
SteveNestPilot Family member

Pricing FAQ

Common questions about trials, billing, refunds, and tier upgrades.

  • Is there a free trial of Personal Pro?

    Yes — start a 14-day free trial of Personal Pro from the app sign-up flow. No credit card required for the first 14 days. After the trial, the plan reverts to Free unless you opt to continue.

  • Can I cancel anytime?

    Yes. Personal Pro is month-to-month or annual. Cancel from your account settings; access continues through the end of the paid period.

  • What is your refund policy?

    We offer a full refund within 30 days of your first paid month if NestPilot does not meet your needs. Contact billing@nestpilot.net.

  • How is billing handled — monthly or annual?

    Personal Pro is $9 / month or $89 / year (annual saves about 18%). You can switch billing cadence anytime.

  • How does Pro Advisor pricing work?

    An advisor pays $79 / seat / month for the workspace, plus $5 / month per active client they connect (first 5 clients free). The advisor sponsors Premium access for their connected clients. Compared to MoneyGuidePro (~$150 / seat) or eMoney (~$300 / seat), Pro Advisor is entrant pricing while we earn premium-pricing trust signals.

  • Is there a free tier for community organizations?

    For individuals who want a free educational experience, NestPilot Foundation operates a 501(c)(3) educational tier at nestpilot.org. Community organizations that want a co-branded Pro experience for their members can sponsor seats via Community Pro on the LLC side ($3–4 / seat / month at 50+ seats).

  • Why are Community Pro and Pro Advisor "Talk to Partnerships" instead of self-serve?

    Both involve sponsored deployment — a community partner buys seats for its members, or an advisor brings a book of clients. Volume pricing and onboarding are tuned per partnership. Self-serve is Free and Personal Pro; partnership-mediated tiers are Community Pro and Pro Advisor.

  • Can I upgrade or downgrade between tiers?

    Yes. Move between Free and Personal Pro (or vice versa) anytime in the app. Community Pro and Pro Advisor go through partnerships because they involve sponsored or pilot agreements.

Pricing question we didn't answer?

For partnership economics, community-organization seat pricing, or advisor / CPA-firm pilot terms — talk to us directly. We typically respond within 2 business days.

Talk to Sales

Pricing source of truth

The tiers and feature matrix on this page are generated from lib/pricing-tiers.ts in this repo. The same file feeds the in-app pricing surface (canonical alignment per FEAT-0165 acceptance criterion 6). If you spot a mismatch with what you see in the app, please let us know — that's a bug.