Neptune vs HelloPrenup: Features, Pricing, Pros and Cons

Thinking about a prenup? A prenuptial agreement lets couples talk openly about finances, values, and what they want their life together to look like. But once you’ve decided to get one, the next step is figuring out how to create it.

Neptune and HelloPrenup are two popular services that take very different approaches. Neptune offers a more hands-on, guided experience with expert support. HelloPrenup is a do-it-yourself platform built for speed and simplicity.

The right choice depends on your comfort level, the complexity of your finances, and how much guidance you want along the way.

This article compares both options across services, pricing, and features to help you find the one that best fits your relationship and your goals.

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. By combining emotionally-intelligent AI, vetted legal experts, and transparent flat-fee pricing, Neptune creates financial alignment, transforming a traditionally tense process into a relationship-strengthening experience.

HelloPrenup is mainly a DIY platform that helps couples create their own prenups. Couples first fill out a questionnaire, and then collaborate with each other on the terms. Hiring lawyers is optional while working with the platform.

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, human concierge, to answer any questions and to guide you through the process.

HelloPrenup operates on a guided questionnaire 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.

3. What personalization do they offer?

Neptune delivers a personalized experience tailored to each person and couple. The process begins with an 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 an automated service with minimal personalization. The platform leaves most discussions to couples while providing limited support and legal guidance.

4. What pricing model do each of these follow?

Neptune focuses on transparent, flat-fee lawyer pricing options that align with your needs. The fee also includes unlimited concierge chat support.

HelloPrenup offers a one-size-fits-all prenup rate of $599. Attorneys and notarization will incur extra costs.

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 tools 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 wizard 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 attorney guidance available as a paid add-on.

Lawyer involvement

• Neptune requires each partner to work with an independent lawyer from their vetted network.
• HelloPrenup makes legal review optional; the base plan doesn’t include a lawyer.

AI assistant

• Neptune’s AI assistant guides partners through disclosures and connects them with lawyers.
• HelloPrenup does not offer AI-driven support.

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

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 questionnaire 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.