Boldin
DIY retirement planning with Boldin AI for what-if scenarios
Boldin is the deepest DIY retirement planner we’ve seen for hands-on users who want control over taxes, Social Security, and real estate. The AI assistant is genuinely useful, and recent chart and plan-view updates improve clarity. Beginners might feel overwhelmed, but paid coaching and the free trial make it worth trying before committing.
Verified 8d ago · liveness 78/100 · cite: rightaichoice.com/tools/boldin
- Individuals near retirement who want detailed tax and income projections
- DIY planners who enjoy running multiple what-if scenarios to compare trade-offs
- Retirees optimizing Social Security claiming strategies with current assumptions
- Advisors and financial professionals managing client plans via Enterprise tier
- Beginners who want a simple savings calculator with minimal data entry
- Investors needing a robo-advisor for automated portfolio management
- Those who prefer a fully automated plan without manual input
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Skip Boldin if you prefer a simple savings calculator with minimal data entry or are looking for a fully automated robo-advisor.
PlannerPlus costs $144/year after a 14-day free trial; there's no month-to-month option, so you pay upfront.
Boldin's pricing fits DIY planners willing to invest in detailed projections; PlannerPlus at $144/year is cheaper than hiring a human advisor but pricier than basic calculators like NerdWallet's free tools.
In short
Boldin — DIY retirement planning with Boldin AI for what-if scenarios. Best for Individuals near retirement who want detailed tax and income projections, DIY planners who enjoy running multiple what-if scenarios to compare trade-offs, Retirees optimizing Social Security claiming strategies with current assumptions. Free to start; paid plans from $144/mo.
What's new in Boldin
Checked 3 days agoAcross the latest 3 updates: 3 feature updates.
Boldin AI can now make changes to your plan
Boldin AI now updates data, adjusts assumptions, and adds accounts via conversation; projections update in real time.
HSA transfer logic updated: HSA-to-HSA transfers treated as rollovers
HSA-to-HSA transfers are now rollovers, not tax-deductible. Only direct HSA contributions and transfers from non-HSA accounts trigger deductions.
Wisconsin retirement income subtraction tax logic updated
State tax logic updated to account for spouse-specific Wisconsin retirement income subtraction.
Viability Score
How well maintained and how widely used is Boldin? Built from what the vendor actually publishes (docs, changelog, tutorials, integrations, pricing), whether the site is live, and how much real users discuss it. How we calculate this
Last calculated: August 2026
How we score →Key Features
- Boldin AI retirement planning assistant with plain-language Q&A
- Unlimited Boldin AI conversations on PlannerPlus tier
- State & federal tax projections with itemized deductions
- Roth Conversion Explorer to model conversion strategies year by year
- Monte Carlo probability of success analysis
- Side-by-side scenario comparison
- Social Security Explorer to compare claiming ages
- Savings Drawdowns and Transfers chart with labeled withdrawal series (rebuilt June 2026)
- View Full Plan — single document-style view of entire plan with key numbers, charts, and insights (July 2026)
- Roth conversion opportunity metric assumes conversion taxes paid from non-retirement funds (July 2026)
- Real estate purchase and sale planning
- Healthcare and long-term care cost estimation
- Debt management for student loans, mortgages, and credit cards
- Detailed budgeting with recurring and one-time expenses
- Personalized alerts and digital coach suggestions
About Boldin
Boldin (formerly NewRetirement) is a DIY retirement and financial planning platform for individuals and advisors who want hands-on control over their financial future. Unlike basic calculators, it factors in taxes, Social Security, real estate, healthcare, long-term care, and debt, delivering projections backed by thousands of calculations. It’s built for people who want to run their own what-if scenarios and compare trade-offs, with optional help from coaches or CERTIFIED FINANCIAL PLANNER® professionals. The centerpiece is Boldin AI, an assistant that answers plain-language questions using your actual plan data. On the paid tier, you get unlimited AI conversations, state and federal tax projections, the Roth Conversion Explorer, Monte Carlo analysis, and side-by-side scenario comparison. Recent updates include a rebuilt Savings Drawdowns and Transfers chart with labeled series (June 2026), a new View Full Plan document view (July 2026), and a refined Roth conversion opportunity metric (July 2026). Boldin offers several tiers. The free Basic plan includes a personalized plan, reliable answers, and the ability to run what-if scenarios. PlannerPlus costs $144/year after a 14-day free trial and adds 100+ more inputs, account linking via top aggregators, detailed budgeting, and unlimited AI. Boldin Advisors provides a CERTIFIED FINANCIAL PLANNER® professional for a $3,200 flat fee, including a written plan, portfolio analysis, and Roth conversion recommendations. There’s also an Enterprise tier for employers, plan providers, and financial institutions. Compared to simpler calculators or robo-advisors, Boldin demands more manual data entry but delivers far more detailed projections. It’s best suited for near-retirees and retirees willing to invest time in modeling their finances. Recent improvements like the View Full Plan and chart rebuilds show a commitment to making complexity manageable.
Behind the Verdict
Boldin earns its keep for a specific kind of user: someone who enjoys (or at least tolerates) building a detailed financial model from scratch. The platform rewards effort — the more inputs you add, the more useful the projections become. If you’re the type who loves tweaking assumptions and comparing scenarios side by side, this is your playground. Where it falls short is onboarding. There’s a real learning curve, and the free Basic tier, while functional, hides the most powerful features behind the $144/year PlannerPlus paywall. For beginners who just want a quick estimate of whether they can retire, a simpler calculator or a robo-advisor might actually serve them better — Boldin’s power is wasted on someone who won’t invest the time. Compared to competing DIY planners, Boldin’s edge is the AI assistant and the depth of tax modeling. The Roth Conversion Explorer is particularly strong, and recent updates to the Savings Drawdowns chart and the new View Full Plan view show that the product is actively improving. If you’re on the fence, take advantage of the 14-day free trial to see if the interface clicks for you. One caveat: the AI is limited on the free tier, so you don’t get the full experience until you pay. And while the $3,200 flat fee for a CFP checkup may seem steep, it’s a one-time cost that could pay for itself in optimized withdrawal strategies. Just know that you’re paying for expertise, not automation. In practice, we’d reach for Boldin when we need to model complex scenarios — like a Roth conversion ladder or a home sale — and we want to see the tax implications over time. We’d pass on it if we wanted a set-and-forget planner or if we weren’t ready to commit hours to data entry.
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Real-world workflow fit
Concrete scenarios for the personas Boldin actually fits — and what changes day-one when you adopt it.
You're 62 and wondering if you can retire at 65. You sign up, enter your assets, income, and expenses, ask Boldin AI 'Can I retire at 65?', and get a Monte Carlo success rate.
Outcome: You see your success probability, identify a shortfall, and adjust your savings rate or retirement date.
You onboard a client and import their accounts via an aggregator, then run side-by-side scenarios for Roth conversions and tax projections.
Outcome: You present a clear plan with visual comparisons, enhancing your advisory service.
You're already retired and want to optimize Social Security claiming. You enter your details, compare ages, and see the impact on income.
Outcome: You decide to delay claiming based on the projections, boosting lifetime income.
Use Cases
- Model retiring three years early and see the impact on your savings and taxes.
- Compare Roth conversion strategies year by year to minimize lifetime tax burden.
- Ask Boldin AI 'What happens if the market drops 30%?' and get scenario results.
- Check if you can afford a second home purchase in retirement.
- Run a Monte Carlo simulation to stress-test your plan against market volatility.
- Optimize Social Security claiming age with real-time income projections.
- Model paying off mortgage on a future home purchase (June 2026 feature).
- Evaluate long-term care insurance needs.
Models Under the Hood
as of 2026-08-14
Limitations
- Advanced features like Roth Conversion Explorer, Monte Carlo, and unlimited AI guidance are gated behind the PlannerPlus subscription.
- The platform is web-based, as evidenced by the website copy.
- AI answers depend on the accuracy and completeness of your plan data; more accurate inputs yield better answers.
- Manual data entry may be required for many inputs.
as of 2026-08-01
Verification history
We have re-verified Boldin 15 times since . Each pass re-reads the vendor's own pages and re-checks every listed field against that evidence; passes where nothing had changed are marked as such.
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
Showing the 6 most recent of 15 verification passes.
Free to cite with attribution — this page re-verifies continuously.
12-month cost
Project the real annual outlay, including the implied monthly cost when only an annual tier is published.
Vendor list price only. Add-on usage, seat overages, and contract minimums are surfaced under Hidden costs & gotchas.
Plans compared
For each published Boldin tier: who it actually fits, and what it adds vs. the previous tier. Cross-reference the cost calculator above for projected annual outlay.
Basic
$0/mo
Ideal for
Individuals new to retirement planning who want a free personalized plan and basic what-if scenarios.
What this tier adds
Starting tier with 100+ inputs, 10+ charts, 2 interactive explorers, and limited AI; free forever.
PlannerPlus
$144/yr
Ideal for
DIY planners who want advanced tools like Monte Carlo, tax projections, and unlimited AI to optimize their retirement strategy.
What this tier adds
Adds 150+ more inputs (250+ total), unlimited AI conversations, Roth conversion explorer, and side-by-side scenario comparison for $144/year.
Boldin Advisors
$3,200 flat fee
Ideal for
Individuals who want professional fiduciary guidance with a CERTIFIED FINANCIAL PLANNER® and a comprehensive plan checkup.
What this tier adds
Includes all PlannerPlus features plus a flat-fee consultation with a CFP®, written plan, and personalized recommendations.
Where the pricing makes sense
The company stage and team size where Boldin's pricing actually pencils out — and where peers do it cheaper.
Boldin's pricing fits DIY planners willing to invest in detailed projections; PlannerPlus at $144/year is cheaper than hiring a human advisor but pricier than basic calculators like NerdWallet's free tools.
Setup time & first value
How long it actually takes to get something useful out of Boldin — broken out by persona, not the marketing-page minute.
Most users get a basic plan running in under an hour by entering income, savings, and expenses. Full depth with all inputs takes several hours, but the AI assistant can guide you through the process.
Switching to or from Boldin
How to bring data in from common predecessors and how to get it back out — written for the switcher, not the buyer.
- →From a simple calculator: Copy your current savings and income figures into Boldin's input fields.
- →From a spreadsheet: Export your data as CSV and manually map columns to Boldin's import options.
- →From another planner: Check if your previous planner offers data export; then manually re-enter or use Boldin's account linking.
- ↗To a simpler calculator: You can export your data from Boldin to print reports or create your own spreadsheet.
- ↗To a different advisor: Your Boldin Advisors plan is a one-time engagement, so you can transfer your documents to any new advisor.
Resources & Guides
- Resourceboldin.com
Help for Seniors with Low Income: Government Benefits and More!
Helpful link from boldin.com
- Learnboldin.com
What You Can Learn From Millennials for a Better Retirement
Educational content from boldin.com
- Resourceboldin.com
How (and Why) to Blog Your Retirement
Helpful link from boldin.com
- Resourceboldin.com
Retirement Planner Release Notes
Helpful link from boldin.com
- Resourceboldin.com
Boldin AI | AI-Powered Retirement Planning With Your Real Data
Helpful link from boldin.com
- Resourceboldin.com
Retirement Planner Pricing
Helpful link from boldin.com
Tutorials & Learning
Official links
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