Boldin vs ProjectionLab
Boldin
boldin.com
ProjectionLab
projectionlab.comSide by side
| Figure | Boldin | ProjectionLab |
|---|---|---|
| Price from | $12/mo | $10.75/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 5 | 6 |
| Spec score · Retirement Planning Software | 9.4 (#1) | 9.0 (#3) |
| Spec score · Financial Planning Software | 9.3 (#2) | 8.8 (#7) |
| Documentation | The help center contains collections for scenarios, assets, real estate, expenses, income, Social Security, debts, money flows and insights. | The Help Center has topic areas for accounts, cash flow, milestones, projections, taxes, investments, estate, progress, advisors, employers, billing and troubleshooting. |
| Monte Carlo | Boldin’s Monte Carlo feature runs 1,000 iterations using a historically inferred return standard deviation. | Chance of Success runs plans repeatedly with varying returns and inflation to estimate the share of trials that reach the end without exhausting money. |
| Notable news | NewRetirement announced its rebrand to Boldin on September 3, 2024. | ProjectionLab announced a Lunch Money partnership on January 7, 2026 to sync budgeting data. |
| Privacy | Boldin says it does not sell user data, require a Social Security number, real name, or account numbers, or store purchase card numbers. | ProjectionLab says it does not sell planning data or use it for third-party advertising and lets users export or delete their data. |
| Purpose | Boldin is a financial planning platform for building plans around a person's resources, values, goals, and priorities. | ProjectionLab simulates personal financial and retirement scenarios to help users plan their financial future. |
| Security | Boldin says browser-to-server communication uses 256-bit encryption and employees cannot access users' credentials. | The maker states that data is encrypted in transit with HTTPS/TLS and at rest with AES-256, and that it uses multifactor authentication and SOC 2 aligned controls. |
| Security controls | Boldin states that browser traffic uses 256-bit encryption, employee access to credentials is restricted, and data centers use biometric and video controls. | The service supports email or Google sign-in, TOTP or SMS multi-factor authentication, database-level account isolation and least-privilege administrative access. |
| Support | Users can contact support through in-product chat or by emailing [email protected], and bug tickets are reviewed by customer-service representatives. | Support is available by email, through the Discord community, and via bookable educational 1-on-1 sessions. |
| What it does | Boldin is a financial-planning platform for building and testing personalized retirement and household financial plans. | ProjectionLab is a browser-based financial planner that models long-term household finances, milestones, cash flow, taxes and retirement outcomes. |
Plans
Boldin
- BasicFree
- BasicFree
- PlannerPlus$144 a year
- PlannerPlus$168 a year
- Boldin Advisors$3,200, paid once
ProjectionLab
- BasicFree
- BasicFree
- Premium$129 a year
- Premium$129 a year
- Pro$549 a year
- Pro$549 a year
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.
ProjectionLab
ProjectionLab simulates personal financial and retirement scenarios to help users plan for different possible futures. Users can model life milestones, cash flow, estimated taxes, investment strategies, account types, withdrawals and estate outcomes. Monte Carlo simulations and historical backtesting let users explore potential outcomes. The free Basic plan includes forecasting, financial planning, simulations and backtesting. Premium adds tax optimization, Roth conversions, ACA subsidies, capital gains harvesting, international planning and advanced analytics, and costs $129 a year. Pro costs $549 a year and is aimed at financial advisors and coaches, with client management tools and 10 client seats. ProjectionLab does not directly link financial accounts, so users can make plans without supplying account numbers or connecting bank or brokerage accounts. The web app can be installed on mobile devices as a Progressive Web App; the maker says it has no formal mobile app. Support is available by email, Discord and bookable educational sessions.