Boldin vs MyOwnFP

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.

MyOwnFP is web-based financial planning software for Canadian do-it-yourself investors and financial advisors. It supports cash-flow modeling, tax planning, investment planning, and scenario analysis. Users can build scenarios, compare them, and save useful versions for later review. Planning views include a financial planning grid, cash-flow visualization, account charts, and scenario comparisons. The models cover Canadian accounts and benefits such as TFSA, RRSP, CPP/QPP, OAS, GIS, and pensions, with federal, provincial, and territorial tax tables. Subscribers can share a client with another MyOwnFP subscriber, including an advisor. The service runs on AWS in Canada, according to the company, and uses HTTPS for browser communication with encryption at rest. Google handles login and Stripe processes payments. Banking information is not required. A free plan is available; Standard costs $40 a year for five clients, and Unlimited costs $140 a year for unlimited clients.