Boldin vs driftcurve
Boldin
boldin.comdriftcurve
github.comSide by side
| Figure | Boldin | driftcurve |
|---|---|---|
| Price from | $12/mo | Free |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | Yes |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 5 | 1 |
| Spec score · Retirement Planning Software | 9.4 (#1) | 8.8 (#4) |
| 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. | The project is released under the Apache License 2.0. |
| Monte Carlo | Boldin’s Monte Carlo feature runs 1,000 iterations using a historically inferred return standard deviation. | Its default simulations resample annual market data from 1966–2024, including equities, Treasuries, residential real estate, inflation, and Bitcoin. |
| Privacy | Boldin says it does not sell user data, require a Social Security number, real name, or account numbers, or store purchase card numbers. | In default local mode, household data and saved scenarios stay in browser localStorage, with no account or server-side database persistence; forecasts run through the Python backend. |
| Purpose | Boldin is a financial planning platform for building plans around a person's resources, values, goals, and priorities. | driftcurve is a household retirement planning engine that models household finances and simulates retirement outcomes. |
| Scenario comparison | PlannerPlus supports multiple scenarios and side-by-side comparisons of their outcomes. | The web interface includes a Compare page that overlays two scenarios on one chart. |
| What it does | Boldin is a financial-planning platform for building and testing personalized retirement and household financial plans. | driftcurve is a household retirement-planning engine that runs Monte Carlo forecasts and risk-based spending guardrails. |
Plans
Boldin
- BasicFree
- BasicFree
- PlannerPlus$144 a year
- PlannerPlus$168 a year
- Boldin Advisors$3,200, paid once
In their own words
Boldin
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.
driftcurve
driftcurve is an open-source household retirement planning engine for projecting finances and comparing retirement outcomes. It can model multiple household members, account types, debts, mortgages, pensions, Social Security and property sales. Its default Monte Carlo simulations resample annual market data from 1966–2024 across equities, Treasuries, residential real estate, inflation and Bitcoin. Users can adjust historical returns toward their own long-run targets or enter static annual assumptions. Risk-based spending guardrails solve for monthly spending and suggest adjustments based on portfolio thresholds and probability of success. A Compare page puts two scenarios on one chart. In default local mode, household data and saved scenarios stay in browser localStorage, while forecasts run through a Python backend; there is no account or server-side database persistence. Optional multi-user mode adds email/password accounts, server-side sessions, and stored profiles and scenarios. The project offers forecast and guardrails API endpoints, plus authentication, profile and scenario endpoints in multi-user mode. It is free under Apache License 2.0. The maker describes it as an educational modeling tool, not licensed financial, investment, tax or legal advice.