Boldin

Boldin is a household financial planning platform for people who want to model retirement and other long-range decisions across income, taxes, benefits, and assets. It suits planners who value scenario analysis and are willing to keep their inputs current. The trade-off is that linked accounts update balances, not the investment detail needed for a fully accurate plan.

Overview

Boldin brings household finances into one planning picture, including income, expenses, Social Security, benefits, taxes, and real estate. Its projections cover income and savings growth, withdrawals, detailed tax modeling, and Social Security, making it more useful for weighing connected long-term decisions than for tracking a single account in isolation.

Users can adjust assumptions, compare what-if scenarios, and stress-test projections with Monte Carlo analysis. Those tools can clarify how a plan responds to different possibilities, but their usefulness depends on the quality of the information entered.

Key features

Projections and scenario testing

The Planner combines income, savings growth, withdrawal, tax, and Social Security modeling. Multiple scenarios and Monte Carlo analysis are included in PlannerPlus, so users can compare assumptions and test a plan rather than relying on one forecast. Basic offers two interactive explorers, which provides a starting point but limits the breadth of that comparison.

Account linking and privacy

PlannerPlus links accounts through Plaid, MX, and Mastercard (Finicity) to keep balances up to date. Synchronization is read-only, and the account model does not capture cost basis, allocations, or transactions; users need to enter those themselves for an accurate plan. That makes linking useful for refreshing balances, but not a substitute for detailed portfolio inputs.

Boldin says browser-to-server communication uses 256-bit encryption and employees cannot access account credentials. It also says it adheres to SOC 2 Type 1 and 2 controls, is TrustArc certified and GDPR compliant, and follows CCPA regulations. The company says it does not sell user data, require a Social Security number, real name, or account numbers, or store purchase card numbers.

Guidance and AI

Support includes classes, one-to-one coaching, chat, a community, financial education, and access to CFP® professionals. Trial users should not expect coaching or step-by-step plan setup: technical help is available during the trial, but those forms of assistance are not. Boldin AI answers from plan data and may misunderstand questions; its output is hypothetical, not professional financial, tax, or legal advice.

Pricing

Basic is free and includes 100+ inputs, two interactive explorers, 10+ charts, and up to five Boldin AI questions per day. It is a meaningful way to build a starter plan, but it omits account linking, multiple scenarios, Monte Carlo analysis, and the other advanced planning tools that distinguish the paid tier.

PlannerPlus costs $144 /yr, billed annually after a 14-day free trial. It includes 250+ inputs, account linking, a Roth conversion explorer, tax projections, multiple scenarios, Monte Carlo analysis, and unlimited conversations of up to 200 questions each. It fits users who need a broader planning model and scenario work. The annual billing begins after the trial, and the trial provides technical help rather than coaching or setup guidance.

Boldin Advisors is a $3,200 flat fee. The service includes a comprehensive retirement plan checkup, written action plan, portfolio analysis, withdrawal strategies, Roth conversion recommendations, cash flow planning, and stress testing. It is aimed at people seeking a professional review and written recommendations rather than software access alone.

Platforms

Boldin is available on Android, iOS, and the web. It lists supported browsers and operating systems for Windows, Mac, iOS, and Android devices.

Who it's for

Boldin is a strong fit for individuals assembling a broad household plan who want to examine alternative assumptions, especially around retirement, taxes, and withdrawals. Its business-partner deployments include Nationwide and MarketWatch. People who expect synchronized account data to populate detailed investment assumptions automatically will need to enter cost basis, allocations, and transactions themselves.

Pros and cons

• Broad household coverage: Income, expenses, benefits, real estate, Social Security, and detailed tax modeling can be considered in one plan.
• Useful paid-tier analysis: Multiple scenarios, Monte Carlo stress testing, and Roth conversion tools support more involved planning than the free tier.
• Read-only linking: Linked balances can stay current without granting transaction authority, but portfolio detail still requires manual input.
• Support has a trial boundary: Coaching and setup help are available among Boldin's support options, but not during the free trial.
• AI needs oversight: Answers may misread questions and are hypothetical, so they should not replace professional advice.

Alternatives

For a different retirement-planning approach, browse Retirement Planning Software or Financial Planning Software.

• ProjectionLab is a freemium option with a free plan and forecasting, financial planning, Monte Carlo simulations, historical backtesting, and flexible modeling in its Basic plan; consider it if those modeling tools are the priority.
• Fidelity Planning & Guidance Center offers a free web plan with no fee to generate a plan, though investment expenses and account transaction fees may still apply; choose it if a no-fee planning option is the main draw.
• Flexible Retirement Planner is free for individual non-commercial use and supports Linux, macOS, web, and Windows; it may suit people seeking a free tool with broad desktop platform coverage.
• MaxiFi is a paid option with a 14-day trial; its trial includes a detailed lifetime plan, comparison of three alternate scenarios, support, and orientation. Consider it if that trial structure is appealing.
• RetireePlan is a free, open-source option; choose it if open-source software is a priority.
• Retirement Budget Calculator has a free lifetime plan for basic retirement budgeting and asset tracking, plus a $9.95 a month premium plan; it may suit readers focused on retirement budgeting.
• Retireator is a free, open-source retirement simulator.
• The Complete Retirement Planner is a paid option for Windows and macOS.

Verdict

Choose Boldin if you want a wide-ranging household plan with scenario comparison and retirement-focused projections, and are prepared to maintain detailed investment inputs. Its free tier is a useful entry point, while PlannerPlus unlocks the deeper analysis; look elsewhere if you need linked accounts to supply portfolio detail automatically or want coaching during the trial.