Boldin vs Moneysmart Retirement Planner
Boldin
boldin.com
Moneysmart Retirement Planner
moneysmart.gov.auSide by side
| Figure | Boldin | Moneysmart Retirement Planner |
|---|---|---|
| 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) | 7.4 (#21) |
| Privacy | Boldin says it does not sell user data, require a Social Security number, real name, or account numbers, or store purchase card numbers. | Moneysmart says it complies with the Australian Privacy Principles in the Privacy Act 1988 and follows federal government website guidelines. |
| Purpose | Boldin is a financial planning platform for building plans around a person's resources, values, goals, and priorities. | The planner estimates retirement income, helps users check progress toward retirement goals and helps create a retirement plan. |
| Scenarios | Users can try what-if scenarios and see projections and plan stress tests using Monte Carlo analysis. | Users can add career changes and breaks, lifestyle goals, investment choice changes and regular income. |
| Security | Boldin says browser-to-server communication uses 256-bit encryption and employees cannot access users' credentials. | Moneysmart says its website uses firewalls, security patches, regular security testing and data encryption, and complies with the Australian Government Protective Security Policy Framework and Information Security Manual. |
| Support | Users can contact support through in-product chat or by emailing [email protected], and bug tickets are reviewed by customer-service representatives. | Moneysmart does not have a call centre and directs users to its page feedback form for comments or complaints. |
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.
Moneysmart Retirement Planner
Moneysmart Retirement Planner has no write-up on Specifiction yet; its figures are above.