Boldin vs Flexible Retirement Planner
Boldin
boldin.com
Flexible Retirement Planner
flexibleretirementplanner.comSide by side
| Figure | Boldin | Flexible Retirement Planner |
|---|---|---|
| Price from | $12/mo | Free |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| Linux | — | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | — |
| Plans published | 5 | 2 |
| Spec score · Retirement Planning Software | 9.4 (#1) | 8.8 (#5) |
| Purpose | Boldin is a financial planning platform for building plans around a person's resources, values, goals, and priorities. | The planner uses Monte Carlo simulation to model retirement outcomes and reports a probability of success. |
| Security | Boldin says browser-to-server communication uses 256-bit encryption and employees cannot access users' credentials. | The license agreement says the website may not be continuously available, secure, or private and makes no guarantee that use will be uninterrupted or error-free. |
| 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 directs users with launch errors to contact support by email and also invites questions through its support forum. |
| What it does | Boldin is a financial-planning platform for building and testing personalized retirement and household financial plans. | Flexible Retirement Planner uses Monte Carlo simulation to model retirement outcomes and reports a probability of success. |
Plans
Boldin
- BasicFree
- BasicFree
- PlannerPlus$144 a year
- PlannerPlus$168 a year
- Boldin Advisors$3,200, paid once
Flexible Retirement Planner
- Personal EditionFree
- Personal useFree
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.
Flexible Retirement Planner
Flexible Retirement Planner models retirement outcomes with Monte Carlo simulation and reports the probability that a plan succeeds. It runs 10,000 simulated paths spanning savings accumulation and retirement spending. Users can compare Stable, Flexible, and Conservative spending policies, test different assumptions, and use sensitivity analysis to see which inputs affect results most. The standalone version lets users save inputs and maintain multiple what-if scenarios, and it works offline. The planner includes income and savings growth projections, withdrawal planning, detailed tax modeling, and Social Security modeling. Standalone downloads are provided for Windows and Mac/Linux; the Windows version does not require Java. The planner is free for individual non-commercial use, and educators and trainers may use it for educational purposes. A voluntary contribution of any amount unlocks a personal-use license key. Commercial use, including by financial planners, is not authorized or supported. Its maker, Random Walk Ventures LLC, created it in 2006.