Boldin
Boldin is DIY retirement planning software with Boldin AI what-if scenarios, tax projections, and Monte Carlo analysis.
For DIY planners who care about taxes, Social Security timing, and Roth conversions, Boldin is the most detailed planner you can drive yourself — and the AI that now edits your plan through chat removes the worst part of that work. Beginners will bounce off the input load, and the free Basic tier is genuinely limited. Try the 14-day PlannerPlus trial before deciding.
Verified 14d ago · liveness 86/100 · cite: rightaichoice.com/tools/boldin
- People within five years of retirement who want to model taxes, Social Security, and withdrawal ordering themselves
- DIY planners who will actually run and compare multiple what-if scenarios
- Spouses optimizing Social Security claiming strategies together
- Retirees planning Roth conversions year by year to cut lifetime taxes
- Beginners who want a one-screen retirement calculator with no data entry
- Investors looking for automated portfolio management or robo-advisory
- Anyone who wants a fully automated plan without entering assets and expenses manually
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Skip Boldin if you're looking for a simple savings calculator or a fully automated plan that doesn't require manual data entry and detailed inputs to get started.
PlannerPlus is billed annually at $144/year after a 14-day free trial; there is no monthly option mentioned.
Boldin's pricing is competitive for DIY planners who want deep analysis. At $144/year, PlannerPlus is cheaper than human advisors but more expensive than basic calculators like NerdWallet. It offers more features than free tools but is priced for individuals serious about retirement planning.
In short
Boldin — Boldin is DIY retirement planning software with Boldin AI what-if scenarios, tax projections, and Monte Carlo analysis. Best for People within five years of retirement who want to model taxes, Social Security, and withdrawal ordering themselves, DIY planners who will actually run and compare multiple what-if scenarios, Spouses optimizing Social Security claiming strategies together. Free to start; paid plans from $144/yr.
What's new in Boldin
Checked 5 days agoAcross the latest 3 updates: 2 feature updates and 1 launch.
Planner Score ships to all new users
Points-based bar at the top of the planner shows plan completeness and next actions worth points.
Boldin launches Document Vault with AES-256 encryption
PlannerPlus feature stores tax returns, insurance policies and estate documents; Boldin AI can parse them for plan context.
Boldin adds Investments: Today view
New investments view in the planner; vendor says more investment features are in active development.
What people actually say about Boldin — is it worth it?
We ran a structured research pass across product reviews, community discussions, and post-purchase forum threads to surface the patterns vendors won't publish themselves. Below: the recurring strengths, the hidden costs people mention most, and the cohort that consistently regrets adopting this tool.
46 mentions across 3 sources (Hacker News, YouTube, Lemmy) · researched Aug 24, 2026.
Average across the 3 sources that answered — each source counts once, not each post.
- +Monte Carlo analysis is highly valued and eye-opening for success probability
- +Deep what-if scenario modeling including side-by-side comparison and Roth conversions
- +Detailed budgeter lets you model 'like to spend' vs 'want to spend'
- +Automatic updates (when accounts linked) appreciated by users
- +Useful for both pre-retirees and those already in retirement
- −Basic single-number budgeter is overly simplistic and inaccurate
- −US-centric; poor modeling for UK users and likely other non-US countries
- −Roth conversion recommendations can be aggressive vs professional software
- −Required manual adjustments for workplace contribution stop dates
- −Account linking not necessary; some prefer manual entry
- • No hidden costs reported, but the $144/year is required for all advanced features; the free tier is very limited
- • Advisors tier is a one-time $3,200 fee, which may surprise those expecting ongoing subscription
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: September 2026
How we score →Key Features
- Boldin AI plain-language Q&A grounded in your plan data
- Boldin AI updates data, assumptions, and accounts via conversation in real time
- Unlimited Boldin AI conversations on PlannerPlus
- State & federal tax projections side by side
- Roth Conversion Explorer with year-by-year modeling
- Monte Carlo analysis of retirement outcomes
- Side-by-side scenario comparison
- Social Security Explorer for claiming-age comparisons
- 250+ inputs on PlannerPlus vs 100+ on Basic
- Account linking via the top three aggregators
- Detailed budgeting and retirement income planning
- Real estate purchase and sale modeling
- Healthcare cost and long-term care estimates
- HSA-to-HSA transfers treated as rollovers (no tax deduction)
- Wisconsin retirement income subtraction tracked per spouse
About Boldin
Boldin — the platform formerly called NewRetirement — is retirement and financial planning software for people who want to run the numbers themselves instead of handing everything to an advisor. It goes past a retirement calculator by modeling taxes, Social Security, real estate purchases and sales, healthcare and long-term care costs, debt (student loans, mortgages, credit cards), and a detailed future budget. Projections are backed by thousands of calculations, and there are calculators plus interactive explorers for Roth conversions, Social Security claiming, and lifetime annuities if you want a quick answer first. The hook is Boldin AI, an assistant that answers plain-language questions using your actual plan data. As of August 2026 it can also make changes to your plan through conversation — updating data, adjusting assumptions, and adding accounts, with projections refreshing in real time. Paid PlannerPlus adds unlimited AI conversations, state and federal tax projections, the Roth Conversion Explorer, Monte Carlo analysis, and side-by-side scenario comparison across multiple scenarios. Recent releases have sharpened the tax engine rather than the marketing: HSA-to-HSA transfers now count as rollovers and no longer generate a tax deduction (only direct contributions and non-HSA-to-HSA transfers do), and Wisconsin retirement income subtraction now tracks taxable income separately for each spouse. Boldin's tiers run from a free Basic plan through PlannerPlus at $144/year to a $3,200 flat-fee Boldin Advisors engagement with a CERTIFIED FINANCIAL PLANNER™ professional. Compared with simpler calculators or robo-advisors, it asks for more manual data entry in exchange for deeper projections — best for engaged DIY planners who'd rather see the trade-offs than be told the answer.
Behind the Verdict
The case for Boldin is decision quality. If you're weighing retire-now-versus-two-more-years, a Roth conversion ladder, or when to claim Social Security with a spouse, the software models it with state and federal tax projections and Monte Carlo analysis rather than a single deterministic line. That matters most in the five years around retirement, when the sequence of withdrawals and conversions does more damage or good than fund selection. We'd reach for it if you're comfortable entering account balances, income sources, and spending by hand — and if you'll actually use the scenario comparison instead of running one projection and closing the tab. Boldin AI is the reason to pay: unlimited conversations on PlannerPlus, and since August 2026 it can add accounts and adjust assumptions directly, so the plan stays current instead of going stale after the first weekend of setup. Where it bites: no automated portfolio management, and no shortcut around the data entry. Account linking through the top three aggregators helps, but real estate, healthcare, and long-term care assumptions still need your judgment — garbage in, confident-sounding garbage out. The free Basic tier is a genuine trial, not a working plan, and several PlannerPlus features (asset tracking, lifetime asset allocation recommendations, document vault) are still listed as coming soon, so don't buy for those. The closest alternative is a human advisor or a robo-advisor, and those solve a different problem — you're paying for someone else's judgment. Boldin assumes you want your own. If you want a fiduciary in the loop anyway, the $3,200 flat-fee Boldin Advisors engagement layers a written plan, portfolio analysis, and Roth conversion recommendations on top of the same modeling, which is a reasonable middle
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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've created a basic plan and want to explore retiring at 60 instead of 65. You use Boldin AI to ask 'What happens if I retire 5 years early?' and it updates your plan, showing the impact on savings and tax projections.
Outcome: You see a revised projection with reduced savings but tweak expenses to make it work, gaining confidence to retire early.
You want to optimize Social Security claiming. You use the Social Security Explorer to compare claiming ages for both spouses and see the lifetime benefits.
Outcome: You identify a strategy that maximizes your combined benefits, potentially adding thousands to your lifetime income.
You're considering a Roth conversion but unsure of tax implications. You use the Roth Conversion Explorer to model converting different amounts over several years.
Outcome: You see the tax impact and choose a conversion plan that reduces lifetime taxes, making you more financially secure.
Use Cases
- Model retiring three years early and see the impact on 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 a mortgage on a future home purchase.
- Evaluate long-term care insurance needs.
Models Under the Hood
as of 2026-09-15
Limitations
- Advanced features like Roth Conversion Explorer, Monte Carlo, and unlimited AI guidance are gated behind the PlannerPlus subscription, while Boldin AI is described as available free to all Boldin users.
- AI answers depend on the accuracy and completeness of your plan data; the site notes the more accurate your inputs, the better your answers.
- PlannerPlus is billed annually at $144/yr after a 14-day free trial.
as of 2026-08-30
Verification history
We have re-verified Boldin 18 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-checked, vendor evidence unchanged
- — 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 18 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
Ideal for
New users who want to try Boldin without cost and build a personalized plan with basic what-if scenarios.
What this tier adds
Free tier with 10+ charts, 2 interactive explorers, and up to 5 alerts; limited AI Q&A.
PlannerPlus
$144/yr
Ideal for
Serious DIY planners who need unlimited AI, tax projections, Roth conversion tools, and detailed budgeting.
What this tier adds
Adds 100+ more inputs, unlimited AI, tax projections, Monte Carlo, scenario comparison, and account linking.
Boldin Advisors
$3,200 flat fee
Ideal for
Individuals who want professional guidance from a CFP to create a comprehensive retirement plan.
What this tier adds
Adds a flat-fee CFP professional with written plan, portfolio analysis, withdrawal strategies, and Roth conversion 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 is competitive for DIY planners who want deep analysis. At $144/year, PlannerPlus is cheaper than human advisors but more expensive than basic calculators like NerdWallet. It offers more features than free tools but is priced for individuals serious about retirement planning.
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.
Setting up a basic Boldin plan can take about 15 minutes with essential data. To get detailed projections, expect 30-60 minutes to enter income, expenses, assets, and liabilities. Linking accounts via aggregators can reduce manual entry, but for accuracy, plan on spending a few hours initially.
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 NewRetirement: Since Boldin is the new name for NewRetirement, existing users can continue with their same account and data.
- →From a spreadsheet: You can manually enter your financial data or link accounts to populate your Boldin plan.
- ↗To a financial advisor: You can export reports or data from Boldin to share with an advisor.
- ↗To another planner: You can export your data to a CSV for use in other tools.
Integrations
Resources & Guides
Tutorials & Learning
YouTube returned 6 videos for “Boldin”, and we withheld 6: 6 could not be judged, because “Boldin” is a single word that other videos use for other things. We are showing none, because we could not prove any of them are about Boldin.
Official links
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