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

Neptune vs NYC Prenup: Quick Verdict and Who Each Fits

Neptune and NYC Prenup occupy opposite ends of the flat-fee, lawyer-led prenup spectrum in New York. Neptune bundles two independent attorneys, negotiation support, and execution guidance into one $5,000 payment. NYC Prenup delivers a single-attorney draft for $799 in 48 hours. Neither is a DIY template, and both involve licensed New York attorneys.

Neptune fits couples who want each partner to have their own independent attorney under one predictable fee, especially when there are assets, debts, or expectations worth aligning on together before the wedding. The free consultation means you can talk to a prenup attorney before spending anything.

NYC Prenup fits budget-conscious couples with straightforward finances (a co-op, retirement accounts, ordinary savings) who are already aligned on terms and primarily need a properly drafted document that meets New York's formal requirements.

Both services require you to meet New York's execution standards. Under DRL §236(B)(3), a prenup must be in writing, signed by both parties, and acknowledged with the same formality as a deed to be recorded. Independent counsel for each party and full financial disclosure reduce the risk of a later challenge, but no service can guarantee a court will enforce any agreement.

Neptune vs NYC Prenup Comparison Table

Here's how the two services compare on the same basis:

The biggest structural difference is scope. Neptune's $5,000 covers the full couple total for two attorneys. NYC Prenup's $799 covers one attorney's drafting work. If the other partner also wants independent legal review (which New York courts look favorably on), that's an additional cost outside NYC Prenup's base fee.

NYC Prenup: Features, Pricing, Pros and Cons

NYC Prenup is a New York-focused drafting service that charges a $799 flat fee for a prenuptial agreement prepared by a licensed New York attorney. The same $799 price applies to postnuptial agreement drafting and agreement review.

The process works in three steps. After payment, you receive a secure intake form within 24 hours. Most couples complete it in under 30 minutes, providing information about assets, debts, income, business interests, expected inheritances, and desired outcomes. A New York-licensed attorney then drafts the agreement and delivers it by secure email within 48 hours, along with a plain-language summary of each section. The draft includes the acknowledgment language required under DRL §236(B)(3).

Reasonable revisions are included in the flat fee. NYC Prenup also notes that the other partner should ideally have their own attorney review the agreement, and the service can arrange a discounted consultation with a separate attorney for that purpose.

Strengths:

• Very low cost at $799 flat, no hourly billing or hidden fees
• Fast 48-hour turnaround for the initial draft
• Focused exclusively on New York prenuptial and postnuptial agreements
• Includes required acknowledgment language and reasonable revisions

Limitations:

• Covers one attorney's drafting, not independent counsel for both partners
• The other partner's independent review is an extra step and cost
• No negotiation support if partners disagree on terms
• Couples arrange their own notarization

Neptune: Features, Pricing, Pros and Cons

Neptune is a lawyer-led online prenup where each partner chooses their own independent attorney, and both attorneys are included in a bundled $5,000 flat fee. The fee covers drafting, review, negotiation, and execution support with no hourly billing.

Couples start with free consultations with prenup attorneys, so you can understand the process and assess fit before spending anything. An AI-assisted intake helps both partners get aligned on priorities and expectations before the attorneys begin drafting. Each partner then selects their own attorney from Neptune's network. Attorneys in the network average 20+ years of family law experience.

The flat fee holds regardless of how many revision rounds partners need. Notarization is built into the process rather than left for the couple to arrange.

Strengths:

• Two independent attorneys included in one flat fee, addressing New York's preference for independent counsel
• Free consultations before you commit financially
• Negotiation support and unlimited revisions included
• Over $5 billion in assets covered through prenuptial agreements drafted by Neptune attorneys

Limitations:

• Higher upfront cost ($5,000 vs. $799) even though it covers more scope
• Turnaround varies by agreement complexity rather than a fixed 48-hour window
• May be more service than needed for very simple, fully aligned situations

How NYC Prenup Cost Compares to Other New York Options

Both Neptune and NYC Prenup sit well below what traditional New York matrimonial firms charge. Here's how the full market breaks down for couples in 2026:

NYC Prenup's $799 is the lowest lawyer-involved option in the market. It's roughly one-sixth the cost of Neptune and a fraction of what even a single side costs at a traditional firm. The trade-off is scope: you're paying for one attorney's drafting time, not two attorneys working independently for each partner.

Neptune's $5,000 sits at the low end of the traditional two-attorney range, which typically runs $4,000 to $20,000+ for a couple. The difference is predictability: you know the total before you start, and free consultations let you evaluate the service without financial commitment.

For couples weighing these options, the key question is whether your situation calls for two independent attorneys. If you and your partner have straightforward finances and are fully aligned on terms, NYC Prenup's single-attorney draft may be sufficient. If there's any complexity (business interests, significant asset disparity, expected inheritances, or provisions like spousal support waivers), having each partner represented independently adds meaningful value and reduces the risk of a later challenge.

Which Online Prenup in New York Should You Choose

The right choice depends on your financial picture, how aligned you and your partner already are, and how much independent legal guidance you want.

Choose NYC Prenup if:

• Your finances are straightforward (co-op, retirement accounts, ordinary savings)
• You and your partner have already discussed and agreed on the key terms
• Budget is a primary concern, and you're comfortable with one attorney drafting
• Your partner is willing to waive or independently arrange their own legal review

Choose Neptune if:

• You want each partner to have their own independent attorney from the start
• Your situation involves business interests, significant assets, expected inheritances, or spousal support provisions
• You want negotiation support built into the fee in case you and your partner don't agree on every term
• You'd like to talk to an attorney for free before committing to anything

Consider a boutique matrimonial firm if:

• Your combined assets are in the high-net-worth range or involve complex structures (trusts, private equity, international holdings)
• The prenup is anticipated to be contested or tied to broader family law concerns
• You need a firm experienced in reputational risk or anticipated litigation

In all cases, remember that New York courts look more favorably on agreements where both parties had independent counsel and made full financial disclosure. That doesn't mean a prenup without two attorneys is automatically unenforceable, but it does mean the agreement is harder to challenge when each partner had their own lawyer review and explain the terms.