Boldin vs FI Calc
Boldin
boldin.com
FI Calc
ficalc.appSide by side
| Figure | Boldin | FI Calc |
|---|---|---|
| Price from | $12/mo | Free |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | — |
| Plans published | 5 | 1 |
| Spec score · Retirement Planning Software | 9.4 (#1) | 7.8 (#11) |
| Privacy | Boldin says it does not sell user data, require a Social Security number, real name, or account numbers, or store purchase card numbers. | Calculator inputs are processed in the browser, and saved or shared calculations are encoded in URLs that may be received by the hosting provider, site services, and link recipients. |
| Purpose | Boldin is a financial planning platform for building plans around a person's resources, values, goals, and priorities. | FI Calc uses historical data to evaluate retirement plans and withdrawal strategies. |
| Support | Users can contact support through in-product chat or by emailing [email protected], and bug tickets are reviewed by customer-service representatives. | The maker invites users to contact them by email at [email protected] or on X at @ficalc. |
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.
FI Calc
FI Calc is a free web calculator for evaluating retirement plans and withdrawal strategies with historical market data. It runs simulations from annual figures covering 1871 through 2024, compiled from Robert Shiller’s data set, while warning that historical results do not guarantee future performance. Users can model equities, bonds and cash, set rebalancing and changing allocations, and add wages, Social Security or extra withdrawals for future expenses. The calculator provides income projection, savings growth projection, withdrawal planning, Social Security modeling and scenario analysis. Simulations can be exported as CSV files for spreadsheet analysis. Inputs are processed in the browser; saved or shared calculations are encoded in URLs that may reach the hosting provider, services and recipients. Google Analytics may receive page URLs containing saved inputs. FI Calc does not automatically model taxes or required minimum distributions and currently has no Monte Carlo simulations. The free plan costs nothing.