Nino

What Nino does

Nino (legal entity Nino Finance) is a US-based personal finance platform that combines an AI-powered software layer with a dedicated human advisory team of CPAs and CFPs to deliver integrated tax, investment, equity compensation, real estate, and retirement planning for high-earning individuals and families. The platform aggregates connected financial accounts, including investments, RSUs/ISOs/NSOs, real estate, retirement accounts, cash, and crypto (via a native CoinTracker integration), into a single unified financial picture. Core technical capabilities include a planning chat with attachment support, real-time scenario modeling that ripples decisions across taxes, retirement, and cash flow, Monte Carlo–based retirement probability simulation across 10,000 market scenarios, and a 0-100 portfolio risk score across concentration, volatility, diversification, and liquidity.

Nino monetizes through a three-tier annual subscription model priced by financial complexity rather than assets under management: Core at $2,000/year for individuals building wealth, Plus at $3,500/year for established professionals with equity compensation and family needs, and Ultra at $6,000+/year for executives, founders, and HNW families requiring advanced equity strategies, real estate planning, estate coordination, and charitable giving optimization. Optional in-house tax filing is added on top (+$1,000 to +$2,000+ depending on tier). Distribution is sales-led via a 25-minute free consultation and supplemented by a content/SEO engine (educational blog publishing 3-4 times weekly, free RSU Tax Calculator, 16 competitor comparison pages) and a Trump Account family-acquisition offer.

The company was founded in 2026 by the team behind CoinTracker (a crypto tax product serving 3M+ users) and operates with a 12-person team including CPAs and CFPs alongside engineering, product, design, and sales functions. It is backed by Accel, General Catalyst, Y Combinator, and Intuit Ventures, and is in early commercialization following a July 2026 beta launch.

Name

Nino

Legal name

Nino Finance

Website

https://usenino.com

Company type

Private

Founded year

2026

Operating status

Operating

Short description

Nino is a US-based personal finance platform combining AI-powered planning software with a dedicated CPA and CFP advisory team to deliver integrated tax, equity compensation, investment, real estate, and crypto planning for high-earning tech professionals and high-net-worth families, sold via flat-fee annual subscriptions.

Ownership category

akta.pro rank

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Subscription - Core Plan: Annual subscription at $2,000/year for individuals building wealth. Includes modern tax and financial insights, basic tax strategies, equity optimization, retirement forecasting, CoinTracker integration for crypto, and quarterly advisor access.
2. Subscription - Plus Plan: Annual subscription at $3,500/year for established professionals with equity and growing complexity. Adds family access, stock option tax guidance, large life decision advice, multi-state tax planning, and year-round proactive tax projections.
3. Subscription - Ultra Plan: Annual subscription at $6,000+/year for executives, founders, and high-net-worth families. Adds complex business/self-employment tax planning, advanced equity strategies, real estate planning, estate coordination, charitable giving optimization, and priority advisor access.
4. Tax Filing Add-on: Optional tax filing service added to any tier: +$1,000 for Core, starting at +$1,500 for Plus, starting at +$2,000 for Ultra. In-house CPA handles preparation and filing.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Nino is an AI-powered personal finance management platform that combines proprietary software with dedicated human financial advisors (CPA and CFP). The platform targets individuals with complex financial situations, including equity compensation, cryptocurrency holdings, real estate, and stock-based compensation, providing integrated financial planning, tax optimization, and wealth management guidance.

Product overview

Nino is a personal finance management platform that combines AI-powered software with dedicated human advisors (CPA and CFP). The product architecture consists of three subscription tiers (Core at $2,000/year, Plus at $3,500/year, and Ultra at $6,000+/year) plus free financial tools including an RSU Tax Calculator and Trump Account vs 529 comparison tool. The platform integrates tax planning, equity compensation management, investment tracking, real estate planning, and cryptocurrency tracking (via CoinTracker) into one unified financial picture, with advisory services delivered through quarterly advisor calls and ongoing AI-powered chat access.

Differentiator

Problem solved

Functional benefit

Products and services

• Nino Platform AI-powered personal finance management platform that combines automated financial analysis with dedicated human CPA and CFP advisors, designed for individuals with complex financial situations including equity compensation, crypto, and real estate holdings.

Quantifiable outcome

• $6,800 in tax savings on first call
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability6 records

Feature7 records

Partnerships

Two partnerships are on record, tiered flagship and core.

• CoinTrackerflagshipTechnology or IntegrationNative product integration providing automatic crypto transaction importing, cost basis tracking, and capital gains calculation. Built by the same team (Nino and CoinTracker share founders). CoinTracker's 3M+ user base serves as a qualified lead source for Nino.
• ZillowcoreTechnology or IntegrationZillow Zestimate data used for property valuations within the platform. Zillow Rent Zestimate integrated for rental scenario modeling, providing market-based property value estimates.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Empower: Empower (formerly Personal Capital) is a flat-fee and AUM hybrid wealth manager offering financial planning, investment management, and budgeting tools to mass-affluent and HNW individuals. It is one of Nino's most direct competitors in the tech/equity-comp financial advisory category.
• Harness Wealth: Harness Wealth is a financial advisory platform focused on tech employees, founders, and liquidity events, offering equity-comp and tax planning via a network of vetted advisors. It overlaps directly with Nino's equity-comp and tax advisory offering.
• Origin: Origin is a flat-fee financial advisory for HNW individuals combining human CFPs with planning software, covering investments, taxes, equity, and estate. It competes with Nino on integrated wealth planning for complex financial situations.
• Facet: Facet is a flat-fee financial planning and tax service combining CFP advice with software for HNW households. It competes head-to-head with Nino on integrated tax + planning delivered at a flat subscription price.
• Range: Range is a flat-fee financial planning platform built specifically for tech employees and founders managing equity compensation, RSU events, and concentrated stock positions. It targets the same core ICP as Nino with a similar flat-fee, integrated tech-employee focus.
• Playbook: Playbook is a flat-fee financial planning platform aimed at tech professionals and creatives, with CFPs and integrated tax support. It is one of several direct flat-fee competitors Nino lists on its comparison pages.
• Domain Money: Domain Money is a flat-fee financial planning and tax service for HNW individuals, pairing CFPs and CPAs with software. Its positioning, pricing model, and target customer are highly comparable to Nino's.

Broad incumbents

• Betterment: Betterment is a large robo-advisor offering automated investing and a premium tier with access to CFPs. While not a direct human-led advisor, it competes for the same mass-affluent audience Nino targets with a more software-led approach.
• Wealthfront: Wealthfront is an established robo-advisor and cash-management platform offering automated investing, retirement, and path-planning tools. It is a broader incumbent competing for the same young, tech-savvy, equity-comp-holding audience Nino targets.

Emerging players

• Monarch Money: Monarch Money is a personal finance and budgeting platform with optional human advisor add-ons, focused on household net-worth tracking and cash-flow planning. It overlaps with Nino on the software side but lacks the dedicated CPA/CFP advisory tier.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/usenino

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nino