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Boldin

boldin.com

From $12/mo Free plan WebiOSAndroidAPI
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Spec score 9.4 #1 of 26 in Retirement Planning Software

What it is

Boldin is a financial planning platform for shaping a household plan around resources, goals, values, and priorities. Its Planner covers income and spending alongside Social Security, benefits, taxes, real estate, and other parts of household finances. Users can model alternatives, review projections, and stress-test plans with Monte Carlo analysis. Connected accounts use Plaid, MX, and Mastercard (Finicity) to update balances, but cost basis, allocations, and transactions need to be entered manually for an accurate plan. The free Basic plan includes 100+ inputs, two interactive explorers, 10+ charts, and up to five AI questions daily. PlannerPlus costs $144/yr after a 14-day trial and adds account linking, tax projections, multiple scenarios, and other tools. Boldin Advisors is listed at $3,200 flat fee. The service is available on Android, iOS, and web. Support options include classes, coaching, chat, a community, financial education, and CFP® professionals; trial users receive technical help but not coaching or step-by-step setup assistance.

Spec sheet

What it does
Boldin is a financial-planning platform for building and testing personalized retirement and household financial plans.Read 15 Oct 2026 · boldin.com
Purpose
Boldin is a financial planning platform for building plans around a person's resources, values, goals, and priorities.Read 30 Sep 2026 · boldin.com
Security
Boldin says browser-to-server communication uses 256-bit encryption and employees cannot access users' credentials.Read 30 Sep 2026 · boldin.com
Privacy
Boldin says it does not sell user data, require a Social Security number, real name, or account numbers, or store purchase card numbers.Read 30 Sep 2026 · boldin.com
Compliance
Boldin states that it follows SOC 2 Type 1 and Type 2 controls, is TrustArc certified, GDPR compliant and aligned with CCPA.Read 15 Oct 2026 · boldin.com
Support
Users can contact support through in-product chat or by emailing [email protected], and bug tickets are reviewed by customer-service representatives.Read 15 Oct 2026 · boldin.com
Headquarters
Mill Valley, California, United StatesRead 23 Sep 2026 · boldin.com
Account aggregation
Account linking uses Plaid, MX and Mastercard Finicity to keep balances updated.Read 15 Oct 2026 · help.boldin.com
Account linking
Boldin's account-linking flow uses Plaid, MX, and Mastercard (Finicity) to connect financial accounts and keep balances up to date.Read 30 Sep 2026 · help.boldin.com
Account-linking limitation
Boldin says linked data does not yet capture cost basis, allocations or transactions, so users must enter those details themselves.Read 15 Oct 2026 · help.boldin.com
AI assistant
Boldin AI answers questions using the user’s plan data and can run projections through Boldin’s financial engine.Read 15 Oct 2026 · boldin.com
AI limitation
Boldin AI's answers are based on plan data and may misunderstand questions; the company says outputs are hypothetical and not a substitute for professional financial, tax, or legal advice.Read 30 Sep 2026 · help.boldin.com
API widgets
Boldin says more than five million people use its API widgets and branded planning solutions.Read 15 Oct 2026 · boldin.com
App-store warning
The Google Play listing named “Boldin: Retirement Planner” explicitly says it is an independent app and is not affiliated with or endorsed by Boldin.Read 15 Oct 2026 · play.google.com
Company facts
LinkedIn lists Boldin as privately held, founded in 2015, headquartered in Mill Valley, California, with 51–200 employees.Read 15 Oct 2026 · linkedin.com
Company legal name
Boldin’s terms and privacy policy identify the owner as NewRetirement, Inc. doing business as Boldin.Read 15 Oct 2026 · boldin.com
Documentation
The help center contains collections for scenarios, assets, real estate, expenses, income, Social Security, debts, money flows and insights.Read 15 Oct 2026 · help.boldin.com
Funding
Crunchbase lists Boldin as an active private company with a seed round involving Fin Capital, while withholding the funding amount behind its paid data.Read 15 Oct 2026 · crunchbase.com
Licence
The terms describe the software as proprietary and grant only a personal, non-transferable, non-exclusive licence while prohibiting copying, modification and reverse engineering.Read 15 Oct 2026 · boldin.com
Limit: advisor expectations
A Reddit reviewer said the paid checkup was closer to a review of an existing plan than the iterative planning engagement they expected.Read 15 Oct 2026 · reddit.com
Limit: AI accuracy
A Reddit user reported Boldin AI incorrectly describing planned spending and inherited-IRA RMD amounts, creating concern about acting on unverified answers.Read 15 Oct 2026 · reddit.com
Limit: modeling quirks
A Reddit report said certain long-term-care and home-equity selections could make the projected plan look overly optimistic unless configured carefully.Read 15 Oct 2026 · reddit.com
Limit: subscription value
A Reddit user questioned paying annually because they expected to adjust the planner only a few times each year.Read 15 Oct 2026 · reddit.com
Linked account limits
Boldin says its account modeling does not yet capture cost basis, allocations, or transactions, which users must enter themselves for an accurate plan.Read 30 Sep 2026 · help.boldin.com
MCP access limit
The MCP server is currently limited to PlannerPlus members and coding assistants rather than ChatGPT or Claude consumer apps.Read 15 Oct 2026 · help.boldin.com
MCP integration
Boldin offers an MCP server for Claude Code and Codex that can run forecasts and read plan data, but it cannot apply plan changes.Read 15 Oct 2026 · help.boldin.com
Medicare estimates
Medicare projections use state-average data retrieved through the Medicare.gov API and include premiums, deductibles, prescriptions and out-of-pocket assumptions.Read 15 Oct 2026 · help.boldin.com
Monte Carlo
Boldin’s Monte Carlo feature runs 1,000 iterations using a historically inferred return standard deviation.Read 15 Oct 2026 · help.boldin.com
Notable news
NewRetirement announced its rebrand to Boldin on September 3, 2024.Read 15 Oct 2026 · boldin.com
Notable pricing news
Boldin’s help center says PlannerPlus is $168 per year for current pricing and that subscriptions made before October 15, 2026 keep their prior renewal price for now.Read 15 Oct 2026 · help.boldin.com
Planning scope
The planner models income, expenses, Social Security, taxes, real estate, healthcare and long-term-care costs.Read 15 Oct 2026 · boldin.com
Platform access
Boldin lists supported browsers and operating systems for Windows, Mac, iOS, and Android devices.Read 30 Sep 2026 · help.boldin.com
Praise: sophistication and value
Kiplinger describes Boldin as data-rich, highlighting its sophisticated simulations and broad scenario tools while calling the paid tier relatively inexpensive.Read 15 Oct 2026 · kiplinger.com
Praise: useful software
A Reddit reviewer said the software helped create a workable plan and allowed exporting the plan and data to Excel.Read 15 Oct 2026 · reddit.com
Privacy promise
Boldin says it does not sell user data, require Social Security numbers or store payment-card numbers.Read 15 Oct 2026 · boldin.com
Public API
Boldin describes API access for companies embedding planning functionality in their own sites and maintains API product release notes.Read 15 Oct 2026 · boldin.com
Rating on Trustpilot
3.5 out of 5 from 6 reviewsRead 15 Oct 2026 · trustpilot.com
Real-estate modeling
The help center documents selling, buying, renting, relocating and refinancing homes inside a plan.Read 15 Oct 2026 · help.boldin.com
Roth conversion explorer
PlannerPlus includes a year-by-year Roth-conversion tool intended to reduce lifetime taxes and improve retirement income.Read 15 Oct 2026 · boldin.com
Scenario comparison
PlannerPlus supports multiple scenarios and side-by-side comparisons of their outcomes.Read 15 Oct 2026 · boldin.com
Scenarios
Users can try what-if scenarios and see projections and plan stress tests using Monte Carlo analysis.Read 30 Sep 2026 · boldin.com
Security controls
Boldin states that browser traffic uses 256-bit encryption, employee access to credentials is restricted, and data centers use biometric and video controls.Read 15 Oct 2026 · boldin.com
Social Security modeling
Users can model a future Social Security benefit reduction with an adjustable percentage and start year.Read 15 Oct 2026 · help.boldin.com
System requirements
Crunchbase describes Boldin as a desktop-based, mobile-friendly tool without a dedicated mobile app.Read 15 Oct 2026 · crunchbase.com
Trial support limit
During the free trial, technical help is available, but Boldin says it does not offer coaching or step-by-step help setting up a plan.Read 30 Sep 2026 · help.boldin.com
Who it serves
Boldin says its platform serves individuals and is also deployed through business partners including Nationwide and MarketWatch.Read 30 Sep 2026 · boldin.com

Plans and prices

Basic Free Free 100+ inputs · 2 interactive explorers · 10+ charts · Boldin AI up to 5 questions per day Read 30 Sep 2026 · boldin.com
Basic Free Personalized plan · what-if scenarios · limited Boldin AI Read 15 Oct 2026 · help.boldin.com
PlannerPlus $144 a year $144 /yr; billed annually after your 14 day free trial 250+ inputs · unlimited conversations (up to 200 questions per conversation) · account linking · Roth conversion explorer · tax projections · multiple scenarios · Monte Carlo analysis Read 30 Sep 2026 · boldin.com
PlannerPlus $168 a year annual Unlimited Boldin AI · advanced scenario modeling · Roth conversion explorer · Monte Carlo · tax projections · account linking Read 15 Oct 2026 · help.boldin.com
Boldin Advisors $3,200, paid once flat fee CFP professional retirement-plan checkup · written action plan · portfolio analysis · withdrawal and Roth-conversion recommendations Read 15 Oct 2026 · boldin.com

Every Boldin plan and price →

Strong points and limits

Strong points

  • Free Basic plan includes 100+ inputs and 10+ charts.
  • Monte Carlo analysis supports plan stress tests.
  • Links accounts through Plaid, MX, and Finicity.
  • Available on Android, iOS, and web.
  • Offers classes, coaching, chat, and CFP® access.

Limits

  • Linked accounts omit cost basis, allocations, and transactions.
  • Trial excludes coaching and step-by-step plan setup help.
  • Boldin Advisors costs $3,200 flat fee.

Who it suits

Boldin suits individuals who want to model household finances, compare scenarios, and plan income, taxes, savings, or withdrawals. Its support options may also suit people seeking classes, coaching, or access to CFP® professionals.

Boldin in depth

Read the full write-up

Boldin is a financial planning platform for building a household plan around personal resources and priorities. It is best suited to individuals who want to explore long-term choices across income, taxes, benefits, property, and retirement. Its broad planning and scenario tools are a strong fit for that work, but linked accounts are only a starting point: key investment details still need manual entry.

Overview

Boldin brings multiple parts of a household’s financial life into one plan, including income, expenses, Social Security, benefits, taxes, and real estate. Users can project income and savings growth, plan withdrawals, model taxes in detail, and test how different assumptions affect the outlook. That breadth is more useful for examining connected decisions than for simply tracking balances.

Scenario analysis and Monte Carlo stress tests help users compare possible outcomes, but projections depend on the accuracy of the underlying plan. Account linking can keep balances current through Plaid, MX, and Mastercard (Finicity); it does not capture cost basis, allocations, or transactions. Those details must be entered manually for a more accurate plan.

Key features

Planning and scenarios

The Planner covers a wide range of household finances, and users can explore what-if scenarios and review projections and Monte Carlo analysis. This makes Boldin suitable for people weighing alternatives rather than seeking a single forecast. The tools do not remove the need to supply sound assumptions or interpret hypothetical results carefully.

Account linking, privacy, and AI

Read-only account synchronization helps keep balances up to date without turning Boldin into a transaction-management tool. Users who want investment holdings modeled accurately will need to fill in gaps such as cost basis and allocations themselves. Boldin says browser-to-server communication uses 256-bit encryption and employees cannot access credentials; it also says it does not sell user data or require a Social Security number, real name, or account numbers, and does not store purchase card numbers. It says it adheres to SOC 2 Type 1 and 2 controls, is TrustArc certified and GDPR compliant, and adheres to CCPA regulations.

Boldin AI bases answers on plan data, but may misunderstand questions. Its outputs are hypothetical, not a substitute for professional financial, tax, or legal advice, so it should not be treated as a definitive adviser.

Pricing

Basic

The free Basic plan includes 100+ inputs, two interactive explorers, 10+ charts, and Boldin AI with up to five questions per day. It gives newcomers room to explore a plan, but lacks the paid plan’s account linking, multiple scenarios, Roth conversion explorer, tax projections, and Monte Carlo analysis. Choose it for basic exploration; it is not the full scenario-planning experience.

PlannerPlus

PlannerPlus costs $144 /yr, billed annually after a 14 day free trial. It adds 250+ inputs, unlimited conversations with up to 200 questions per conversation, account linking, a Roth conversion explorer, tax projections, multiple scenarios, and Monte Carlo analysis. This is the practical choice for an individual who wants the fuller planning toolkit. During the trial, technical help is available, but coaching and step-by-step plan setup help are not.

Boldin Advisors

Boldin Advisors costs $3,200 flat fee. It includes a comprehensive retirement plan checkup, written action plan, portfolio analysis, withdrawal strategies, Roth conversion recommendations, cash flow planning, and stress testing. It suits someone seeking a defined advisory review and recommendations rather than relying only on self-directed planning software.

Platforms

Boldin runs on the web, iOS, and Android. It lists supported browsers and operating systems for Windows, Mac, iOS, and Android devices, giving users desktop and mobile access.

Who it's for

Boldin is aimed at individuals planning across household finances and considering how choices may affect longer-term outcomes. It can also be encountered through business partners, including Nationwide and MarketWatch. The support offering includes classes, one-to-one coaching, chat, a community, financial education, and access to CFP® professionals; those options make support a meaningful part of the broader offering, though trial users should not expect coaching or guided setup.

It is a weaker fit for anyone who expects linked accounts alone to provide a complete investment picture, or who wants AI responses to replace professional advice.

Pros and cons

Broad household scope: income, expenses, benefits, real estate, taxes, and Social Security can be considered in one plan.

Useful scenario depth on PlannerPlus: multiple scenarios, tax projections, and Monte Carlo analysis support more than a single static outlook.

Accessible entry point: Basic is free and includes substantial inputs and charts, though its two explorers and five daily AI questions limit experimentation.

Manual investment detail: linked balances omit cost basis, allocations, and transactions, requiring extra input for accurate modeling.

Trial support is limited: technical assistance does not include coaching or step-by-step plan setup.

Alternatives

ProjectionLab is worth considering for someone who wants flexible financial modeling, forecasting, Monte Carlo simulations, and historical backtesting in a freemium product. Its stated platform range also includes API access, unlike Boldin’s listed web and mobile platforms.

MaxiFi may suit someone who wants a detailed lifetime plan and comparison of three alternate scenarios through a 14-day trial, and who needs broader desktop operating-system support. MoneyGuide is an alternative for readers considering an advisor-oriented product with a MyBlocks Individual plan priced at $125 a month on an annual subscription, paid monthly.

myprosperity is a freemium option for people who prioritize a client subscription and one-time bank and credit-card synchronization. Betterment offers a freemium option, with its Digital and Premium plan eligibility tied to recurring deposits or an eligible investment balance.

FE CashCalc is worth considering for an adviser seeking a paid individual adviser licence with an included paraplanner licence. Conquest is an alternative for US-based independent advisers and boutique firms, typically teams of 10 or fewer. LivePlan is another option.

For more choices, see Financial Planning Software and Retirement Planning Software.

Verdict

Choose Boldin if you want an individual financial plan that connects household finances with projections and scenario stress tests, and you are willing to maintain details that account linking does not capture. Basic is a sensible way to explore; PlannerPlus is the route to the full scenario and linking toolkit. Look elsewhere if you need linked accounts to model investments comprehensively without manual work, or expect trial access to include personal coaching.

Verdict

Boldin combines broad household planning with scenario analysis and account linking, while linked-account details still need manual completion. The free plan is usable for basic exploration, and the paid PlannerPlus plan is $144/yr after its 14-day trial.

Where Specifiction places it

Alternatives to BoldinAll alternatives →