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 $125.00 USD per 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.

	Boldin	Libretto
Free plan	Yes
Free trial	Yes
Paid from	$12/mo
Platforms	Android, iOS, Web	Web
Free plan	Yes
Scenario analysis	Yes
Income projection	Yes
Savings growth projection	Yes
Withdrawal planning	Yes
Tax modeling	detailed
Social Security modeling	Yes
Account synchronization	read_only
Goal planning		Yes
Insurance planning		Yes
Investment planning		Yes

Boldin vs Libretto

Boldin

Libretto