Neptune vs HelloPrenup: Online Prenups, Compared

What HelloPrenup is

HelloPrenup is an online prenup platform that uses software-driven intake to generate a prenup document for couples. Per HelloPrenup pricing, the platform offers two main tiers in 2026:

• Base plan at $599 per couple. Includes a guided questionnaire both partners complete independently, a state-specific agreement drafted to meet the state's prenup statutes, full financial disclosure schedules for each partner, unlimited edits before signing with no per-draft charges, and e-signature where state law permits.
• Full attorney representation plan at $1,997 per couple. Includes everything in the base plan plus a state-licensed attorney for each partner who reviews, negotiates, and signs the agreement as counsel of record. This is $599 for the platform plus $699 flat per partner for the attorney representation tier.
• Additional add-ons include an attorney Q&A session at $49 per session and e-signature/e-notarization through Proof at $50 per couple on the base plan (included in the $1,997 tier).

The model is designed for couples who want to move through the intake and drafting flow themselves, with attorney representation available as a layered add-on. The trade-off is that the base workflow leaves more coordination overhead on the couple (managing the attorney layer, scheduling review, coordinating negotiation), while the price ceiling stays substantially below full concierge services.

What Neptune is

Neptune is a full-service concierge prenup at $5,000 flat fee, all-in, with both partners' state-licensed family law attorneys included from day one. The AI handles the structured financial disclosure and the decision mapping; the two attorneys handle drafting from the ground up, negotiate the terms between them, and finalize the agreement. Each partner has their own independent counsel throughout.

The model is designed for couples who want a fully-managed engagement without the coordination overhead of layering attorney representation onto a software workflow. The trade-off is that the upfront price is materially higher than the HelloPrenup attorney representation tier.

How the all-in cost actually compares

The 2026 comparison at each tier:

• HelloPrenup base plan only ($599): software-driven prenup with no attorney involvement. A prenup produced without attorney involvement faces enforceability risk in every state; California requires independent counsel for spousal support provisions under Family Code Section 1612(c), and other states strongly recommend or effectively require independent counsel as a fairness signal. This tier is best understood as document generation, not full enforceability.
• HelloPrenup full attorney representation ($1,997): software plus two state-licensed attorneys who review, negotiate, and sign as counsel of record. All-in for both partners.
• Neptune concierge ($5,000): two state-licensed attorneys who draft from scratch based on the AI-led intake, negotiate between them on the couple's behalf, and finalize the agreement. All-in for both partners.

The all-in gap is $3,003 between HelloPrenup's full attorney tier and Neptune. This is a material difference that couples should weigh against their preferences on service model, workflow coordination, and depth of attorney engagement.

What the extra $3,000 at Neptune actually buys

Neptune's premium over HelloPrenup's full attorney tier buys three things:

• Attorney drafting from the ground up rather than review of a platform-generated draft. HelloPrenup's attorneys review and negotiate a software-generated document. Neptune's attorneys draft the document from scratch using the AI-led intake as the input, which lets them incorporate customization at the drafting stage rather than as post-hoc edits.
• Full workflow coordination. Neptune coordinates the attorneys, scheduling, negotiation cycles, and finalization. HelloPrenup's model leaves more of the coordination on the couple, especially when the two attorneys need to negotiate specific terms.
• Continuity for future engagement. Neptune offers postnuptial agreements on the same couple-first flat-fee model, and Neptune's estate planning service at $2,500 can be added on the same account. Couples who plan to work with Neptune across the marital arc get a single vetted network across products.

Neither model is objectively better. They serve different couples with different preferences.

Decision framework

A decision framework for choosing between the two:

Choose Neptune if you want:

• A fully-managed engagement where the platform coordinates everything.
• Attorney drafting from scratch based on the intake, not review of a platform-generated draft.
• A single vetted network across prenup, postnup, and estate planning.
• The predictability of a bundled all-in price with no add-ons and no per-session fees.

Choose HelloPrenup if you want:

• A software-forward workflow where you move through the intake at your own pace.
• The lower price point on the full attorney representation tier ($1,997 all-in vs $5,000).
• Comfort with coordinating the attorney layer yourself, including negotiation cycles.
• A base plan option that can start at $599 if you decide to skip attorney representation (with the caveat that enforceability risk goes up without independent counsel).

Where the workflow differs

The HelloPrenup workflow puts the couple in more of the driver's seat: each partner moves through the software intake, the platform generates a state-specific draft, and the attorney representation tier layers on top for review, negotiation, and counsel-of-record signing. The prenup cost explainer walks through what each part of the workflow actually costs to run.

The Neptune workflow puts the platform in the driver's seat: the couple completes the AI-led intake, Neptune assigns each partner a state-licensed family law attorney, and the attorneys handle drafting from scratch, negotiation, and finalization. The couple's time investment is confined to the intake and the review points; the platform handles the coordination overhead.

For couples who want a self-directed workflow with the platform in a support role, HelloPrenup's structure fits. For couples who want the platform to run the process end-to-end, Neptune's structure fits.

State-specific enforceability applies to both

Both services draft state-specific agreements. State enforceability rules apply regardless of which platform generates the document, based on the UPAA framework in about half the states and state-specific frameworks in the others. The state-by-state requirements matter for both platforms:

• California: CA Family Code Section 1615 sets the enforceability requirements. The 7-day rule requires the final agreement presented at least seven calendar days before signing. Spousal support waivers require independent counsel under Section 1612(c).
• New York: NY DRL Section 236(B)(3) sets the form requirements. Written, signed, acknowledged for deed recording.
• Massachusetts: DeMatteo v. DeMatteo, 436 Mass. 18 (2002), sets the two-look standard (fair at execution and at enforcement).
• Texas: TUPAA (Texas Family Code Chapter 4) sets the voluntariness, disclosure, and unconscionability anchors.

Both Neptune and HelloPrenup's full attorney tier meet these requirements. The base HelloPrenup plan without attorney representation faces higher enforceability risk in every state.

What if the wedding has already happened?

If the wedding has already happened, the prenup window is closed. Neptune offers a postnuptial agreement on the same flat-fee concierge model. Postnups are generally harder to enforce than prenups because the wedding deadline that pushes prenup conversations forward is gone, but a properly drafted postnup is still better than ambiguity. The platform also offers postnups; the tier structure is similar to the prenup product.

When each model fits

HelloPrenup fits couples who:

• Want a software-forward workflow with the platform as a tool rather than a coordinator.
• Prefer the lower price point on the full attorney tier ($1,997 all-in).
• Are comfortable coordinating the attorney layer themselves.
• Are willing to start at the base plan ($599) with the option to add attorney representation later.

Neptune fits couples who:

• Want a fully-managed engagement from day one.
• Prefer attorney drafting from scratch based on the intake rather than review of a platform-generated draft.
• Want a single vetted network across prenup, postnup, and estate planning.
• Prefer the predictability of a bundled all-in price with no add-ons.

For couples whose situation is mid-complex (vesting equity, premarital home, family wealth implications) and who want the workflow coordinated end-to-end, Neptune's concierge model is the cleaner fit. For couples who are aligned on the broad terms and comfortable with a more DIY workflow, HelloPrenup's software-plus-attorney structure is built for that.

Related guides

• Are Online Prenup Templates Worth It
• Prenup Legal Forms Software
• Prenup Checklist