Neptune vs HelloPrenup: Features, Pricing, Pros and Cons

Neptune vs HelloPrenup: What Sets Them Apart

Before choosing a platform, it’s important to understand how Neptune and HelloPrenup differ. From their approach and services to how they price their offerings, here’s a breakdown:

1. What do they do?  

Neptune is the financial concierge that wealth-building couples trust to lay the foundation for their shared future, starting with prenups. It offers a free concierge AI chat service that aligns couples on their prenuptial needs before connecting them with a real attorney for a free consultation. Once the couple is aligned on their prenuptial needs, they are offered a flat-fee for drafting and review of a tailor made prenup.

‍HelloPrenup is mainly a DIY template that helps couples create their own prenups. Couples first fill out a questionnaire, and then collaborate with each other on the terms. The $599 fee does not include attorney review.

2. Are lawyers involved? 

Neptune connects couples with some of the most experienced lawyers in their state. Each partner can have free consultations with lawyers before hiring them. Neptune understands it’s vital for each of you to have your own lawyer, or there’s an increased risk of your prenup being unenforceable. In addition, you will always have access to your Neptune concierge to answer any questions and to guide you through the process.

HelloPrenup operates on a guided template that auto-builds state-specific agreements and lets couples collaborate in real time. You have the option to pay for a lawyer, but the platform does not allow free consultations with a lawyer.

3. What personalization do they offer?

Neptune delivers a personalized experience tailored to each person and couple. The process begins with a free AI assistant that curates a custom list of lawyers based on your specific needs. You can then schedule free consultations with any of these attorneys before making your choice. 

Once selected, your lawyer will work directly with you to craft a prenup that fits your unique situation. Your lawyer will educate you about all your available options and how judges and the law typically handle cases.

HelloPrenup mainly offers a template service with minimal personalization. The platform leaves most discussions to couples while providing limited support and legal guidance, which can create problems with enforceability down the road.

4. What pricing model do each of these follow?

Neptune focuses on transparent, flat-fee lawyer pricing options that align with your needs. Prior to making any payment, you have unlimited access to our concierge chat support and consultations with our lawyers.

HelloPrenup offers a one-size-fits-all prenup template rate of $599. Attorneys and notarization incur extra costs, with one attorney costing $699 for one hour of review.

Feature Comparison: Neptune vs HelloPrenup

Neptune and HelloPrenup take very different routes to get you from “We should talk about this” to a signed agreement. One offers a concierge-style experience with legal guidance baked in, while the other focuses on self-service template at a lower price point. 

Here’s how they stack up, feature by feature:

Collaborative questionnaire

• Neptune uses an AI-powered quiz to help couples align on finances and relationship goals.
• HelloPrenup offers a step-by-step template that both partners can fill out together in real time.

Dedicated human support

• Neptune includes unlimited phone, text, and email support from engagement to signing.
• HelloPrenup is mostly DIY, with limited attorney guidance available as a paid add-on.

Lawyer involvement

• Neptune requires each partner to work with an independent lawyer from their vetted network to help make the prenup enforceable.
• HelloPrenup makes legal review optional; the base plan doesn’t include a lawyer which puts the prenup at risk of being unenforceable should it be needed.

AI assistant

• Neptune’s free AI assistant guides partners through disclosures and connects them with lawyers tailored for their specific needs.
• HelloPrenup does not offer AI-driven support, opting for a platform consultation to review how to use their template.

Clause flexibility

• Neptune lawyers can craft custom terms for assets, debt, equity, or business interests.
• HelloPrenup gives you 20+ editable clause templates that cover standard situations.

Weighing the Pros and Cons: Neptune or HelloPrenup?

Deciding between Neptune and HelloPrenup? Each service has its strengths and a few tradeoffs. Here's how the pros and cons compare across the two platforms:

Neptune

Pros

• Each partner works with an independent lawyer, improving legal enforceability
• Flat-fee pricing means no unexpected billable hours
• Combines tech with human support for a high-touch, emotionally aware experience
• Access to a vetted network of experienced prenup lawyers

Cons

• Currently available only in select major U.S. markets, but rolling out into new states frequently

HelloPrenup

Pros

• A more affordable option for couples with simple finances
• Self-serve format suits those who prefer minimal outside involvement

Cons

• Higher chance of errors without built-in attorney review
• Limited human support unless you pay extra
• Some users report unclear instructions in the template process

Neptune or HelloPrenup: What Fits Your Needs Best?

If you want to handle your prenup the right way, Neptune is the stronger choice. Legal guidance matters, and with Neptune, lawyers are a built-in part of the process, not an optional add-on. You also get a dedicated concierge and the ability to choose a vetted lawyer who fits your budget.

That said, if you’re early in your career and don’t yet have significant assets, HelloPrenup might be a more suitable fit.

Neptune does more than just draft agreements. Couples leave the process aligned and future-ready. 95% say they feel more confident, respected, and financially prepared. Ready to take the next step? Start your prenup journey with Neptune today.