Boldin vs SquirrelPlan

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.

SquirrelPlan is a free, open-source tool for projecting and visualizing a financial future. Enter assets, liabilities, monthly income and expenses, then add assumptions for returns, interest or annual increases. You can direct surplus savings among asset classes and set different strategies for different life periods. Retirement inputs include current and legal retirement ages, estimated net monthly pension, and optional early retirement age and withdrawal rate. A standard simulation projects from those figures; an optional Monte Carlo run produces hundreds of projections using randomized annual asset returns. Charts and a table show wealth over time, while scenario analysis supports comparisons between assumptions. Preset plans cover Recent Graduate, Early Career, Mid Career and Late Career. SquirrelPlan is a client-side web application, also runnable by opening its static index.html file in a modern browser without installing dependencies. Plans are stored in browser local storage; the project has no backend server. Data can be imported or exported as JSON, and the README lists multi-language support. The free plan is free.