Everything is AI in 2025. AI for coding. AI for teachers. AI for pick-up lines? (Yes, that’s a thing). But what about AI for prenups? Is it legit? The answer is likely no. Not yet, at least. We’ve done the work for you and tested out one specific AI tool to see how its prenup looked. Spoiler alert: It doesn’t look great. For example, the AI tool did not consider specific state law requirements (more on this below). Let’s dive into why using AI for prenups can be dangerous.
We tested out an AI tool. Here’s why they can be dangerous.
We decided to check out one AI tool to see if they were “legit” or not. We asked one specific AI tool to create a prenup based on certain state laws (And the outcome was not good). Here’s our analysis of why using AI tools for your prenup may be dangerous:
Not state compliant
We tested out one specific AI tool to see if it would pick up on certain specific state laws. For example, in New Mexico, you may not include spousal support waivers in your prenup (N.M. Stat. § 40-3A-4). We asked the AI tool to create a prenup that included a waiver of spousal support in a New Mexico prenup. It did NOT take that law into consideration, and it included a spousal support waiver anyway. This is against New Mexico law and public policy.
Did not include critical legal requirements
The AI tool missed one extremely crucial aspect of a prenup–financial disclosure. This is required in virtually every single state in some shape or form. Financial disclosure includes sharing the values of every asset, debt, income, and inheritance of both partners. The fact that financial disclosure wasn’t included is a huge red flag that this AI tool does not know how to create a valid and enforceable prenup in ANY state.
Not comprehensive
The AI agreements we generated were surprisingly short, only 1-2 pages long. In contrast, a typical prenuptial agreement prepared by a reputable online service or attorney usually ranges from 30-50 pages. This difference in length is important because it shows that it is not comprehensive. Prenups generally need to address a wide range of potential scenarios, legal complexities, and financial considerations to be truly effective.
Does not offer additional options for user
When we asked the AI tool to create a prenup for us, it simply followed the instructions to a T without offering additional ideas or clauses. For example, we asked it to create a prenup that kept all assets separate and waived spousal support. However, it didn’t ask what we wanted to do about interspousal gifts, debt, engagement rings, pets, what happens upon death, etc. There were so many clauses that it failed to ask about and only provided a bare-bones agreement.
It added unnecessary requirements
Strangely enough, the AI tool we tested out included additional and unnecessary requirements. It added the requirement for witnesses to sign off on the prenup. That is not a requirement in most states, so it’s odd that it included that step. That could create additional and unnecessary work for someone getting a prenup.
It lacked critical topics
We asked the AI tool to “keep all assets separate,” and it did that, but it forgot to mention several crucial assets, such as income, inheritances, and gifts. This is problematic because while it does say “all assets are separate,” it doesn’t include a comprehensive list of all the different assets possible; it only mentions a few–businesses, investments, accounts, etc. In addition, it didn’t mention anything about the debt tied to separate assets–another red flag.
The bottom line is that you should think twice before using AI to create a prenup
While AI shows promise in other areas, like pick-up lines, using it for prenuptial agreements is currently likely unreliable, based on our experience with a specific AI tool. Our test revealed significant shortcomings in AI-generated prenups: they often missed crucial topics and legal requirements, contradicted state laws, included unnecessary steps, and lacked sound legal advice. This could result in an invalid and unenforceable agreement, wasting time and money. For such an important document, rely on a legitimate online company (hint, hint, HelloPrenup) and/or a qualified attorney who can provide expert guidance and ensure your prenup is comprehensive and legally sound.
Nicole Sheehey is the Head of Legal Content at HelloPrenup, and an Illinois licensed attorney. She has a wealth of knowledge and experience when it comes to prenuptial agreements. Nicole has Juris Doctor from John Marshall Law School. She has a deep understanding of the legal and financial implications of prenuptial agreements, and enjoys writing and collaborating with other attorneys on the nuances of the law. Nicole is passionate about helping couples locate the information they need when it comes to prenuptial agreements. You can reach Nicole here: Nicole@Helloprenup.com
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