Nino vs Facet

Nino lets you choose AI software on its own or software with a human team. Use the assistant to understand your finances and test a plan; add a CPA and financial planner team for professional guidance and execution. Facet starts with a human-planning membership. Nino also has a lower starting service price than Facet’s standard filing-included Plus plan.

Ask about your connected accounts and financial records, explore a tax question, or see how a decision changes your retirement outlook. Nino can also flag unused cash, company-stock risk, and approaching stock-option deadlines. You can work through those questions in the app whether you buy Nino services or use software alone.

Yes. Nino software lets you forecast retirement and major life events, adjust assumptions, and ask AI to explain the result. That helps you understand choices such as saving more, buying a home, or leaving work earlier. Projections are estimates. Add services when you want a financial planner to build your plan and help carry it out.

Nino’s CPA and financial planner team considers a decision from both sides: how a stock sale helps fund your goals and what it means for your taxes. Services include preparation and filing, with Ultra software for your ongoing questions. Facet also offers tax strategies and partner filing; Nino combines that human work with its independently available AI assistant.

Nino software starts at $20/month, and software with services starts at $3,600/year with filing. Facet Core is $2,600/year without filing; Plus is $5,500/year with partner filing. Nino gives you a lower-cost way to start with software and a lower starting service price than standard Plus.