Neptune vs First: Prenup Features, Pricing, Pros and Cons

Neptune vs First: the short answer

Neptune and First both charge a flat fee. What you get for it is very different.

With First, software writes your agreement. You and your partner answer a questionnaire, and First's platform generates the agreement from your answers. On the $649 Self-Serve tier, no lawyer ever looks at it. On the $3,500 Lawyer Review tier, a lawyer for each of you reviews what the software wrote, makes basic edits and answers questions. Anything beyond basic edits is an extra upgrade.

Neptune gives each of you a lawyer who builds the agreement with you. One lawyer drafts it around your real finances and goals. The other represents your partner. The two lawyers negotiate the terms, so you and your partner never have to fight it out across the kitchen table. Both lawyers are included in one $5,000 flat fee, and you each talk to a lawyer for free before you choose.

A prenup is the one document that decides what happens to your income, your equity and your home if the marriage ends. A questionnaire can record your choices. It cannot tell you which choices you will regret.

Neptune vs First comparison table

First's prices and tier details come from First's own pricing and Self-Serve pages as of November 2026.

What you get with First

Self-Serve, $649 per couple. A guided questionnaire, a prenup generated for your state, and free online notarization where your state allows it. No lawyer for either of you, and you cannot change the document's language. Some terms are off the table: in California, Florida and New Mexico, First will not include a spousal support waiver on this tier, because neither of you has a lawyer.

Lawyer Review, $3,500 per couple. The same generated agreement, plus a lawyer for each partner to review it, make basic edits and answer your questions. Custom rewrites cost extra. First says these lawyers are licensed in 11 states: Arizona, California, Florida, Illinois, Massachusetts, Michigan, New Jersey, New York, Pennsylvania, Texas and Washington.

About "46 states." First advertises prenups in 46 states plus Washington, D.C. That number is for the $649 tier, the one with no lawyer. The lawyer-reviewed option is limited to those 11 states.

What you get with Neptune

A lawyer who drafts your agreement. Your lawyer starts with your finances, your plans and what matters to each of you, then writes the terms. Startup equity, a business you are building, an inheritance you expect, a house one of you already owns: your lawyer drafts for the life you are actually planning.

Lawyers who negotiate so you don't have to. When you and your partner see something differently, your lawyers work it out. You stay partners through the process, not opponents.

Experienced family lawyers. Neptune's lawyers average more than 20 years of family law experience.

You choose your lawyer, for free. Each partner gets a free 20 to 30 minute conversation with a lawyer before deciding anything. Pick the one you trust.

One flat fee for both lawyers. $5,000 covers both partners' lawyers from intake to signed agreement. Hiring two lawyers by the hour typically costs $5,000 to $20,000 or more, and you never know the final number until the last bill arrives.

A head start before the lawyers begin. Neptune's guided intake helps you and your partner talk through what you want, so your lawyers start with your answers instead of a blank page.

Neptune is not a law firm. Each partner's lawyer is independent and represents only that partner.

The real cost of a prenup that doesn't fit

The cheapest prenup is the one that never gets tested. But if it does, a contested divorce routinely costs $15,000 to $50,000 or more in legal fees. An agreement that missed your equity, mishandled a business or waived support without proper counsel is exactly the kind that gets challenged.

This is where a lawyer drafting for each partner earns its cost:

• Equity and business interests. RSUs, stock options, carried interest and a company you own raise questions about vesting, growth and valuation that multiple-choice answers do not capture.
• Spousal support. In California, a waiver or limit on spousal support is not enforceable against a partner who did not have independent counsel when signing (Cal. Fam. Code § 1612(c)).
• A big difference in income or assets. When each partner has a lawyer explaining what they are agreeing to, the agreement is fairer and harder to challenge later.
• Terms you don't agree on yet. A generated document records your answers. A lawyer helps you find terms that work for both of you.

Which should you choose?

• First Self-Serve fits couples with simple finances who agree on every term and are comfortable signing without a lawyer.
• First Lawyer Review fits couples who want a lawyer to check a generated agreement and live in one of First's 11 lawyer states.
• Neptune is for couples who want an experienced lawyer on each side writing and negotiating an agreement around their real lives, for one flat fee, with a free conversation before they commit.

Whichever route you take, start early. A prenup holds up when it is in writing, signed voluntarily, with full financial disclosure and enough time before the wedding. California, for example, requires at least seven days between receiving the final agreement and signing it (Cal. Fam. Code § 1615(c)(2)).