Boldin

Boldin is a financial planning platform for people who want to build a plan around their finances, values, goals, and priorities. Its Planner covers household income and expenses, Social Security, benefits, taxes, real estate, and other financial matters. Users can model what-if scenarios, review projections, and stress-test plans with Monte Carlo analysis. Account connections use Plaid, MX, and Mastercard (Finicity), but Boldin says linked-account modeling does not capture cost basis, allocations, or transactions; those details must be entered manually for an accurate plan. The free Basic plan includes 100+ inputs, two interactive explorers, 10+ charts, and up to five Boldin AI questions per day. PlannerPlus is $144/yr after a 14-day free trial and adds account linking, tax projections, multiple scenarios, and more. A $3,200 flat-fee Boldin Advisors plan is also listed. Boldin offers classes, coaching, chat support, a community, financial education, and access to CFP® professionals. It is available on Android, iOS, and web.

Boldin combines broad household planning with scenario analysis and several support options. Users who connect accounts should be prepared to enter some financial details themselves, and AI answers are not professional financial, tax, or legal advice.

Boldin suits individuals planning household finances, including people who want to compare scenarios or project income, savings, withdrawals, and taxes. Its support options may also suit users seeking classes, coaching, or access to CFP® professionals.

Boldin is a household financial-planning platform for people who want to connect retirement choices with taxes, benefits, property, and other parts of their financial picture. Its strongest case is for planners who want to compare scenarios rather than rely on a single forecast; the tradeoff is that linked accounts do not fill in every detail needed for an accurate plan.

Overview

Boldin’s Planner brings income, expenses, Social Security, benefits, taxes, real estate, and other household finances into one plan. It supports income and savings-growth projections, withdrawal planning, detailed tax modeling, and Social Security modeling. That breadth makes it more useful for examining how decisions interact than for tracking a single budget or account.

Users can adjust assumptions, compare what-if scenarios, and stress-test projections with Monte Carlo analysis. These tools help reveal how a plan may fare under different conditions, but their usefulness depends on the accuracy of the inputs.

Key features

Planning and account linking

PlannerPlus links financial accounts through Plaid, MX, and Mastercard (Finicity) to keep balances up to date. Synchronization is read-only, so the connected accounts provide a current snapshot rather than transaction-level modeling. Boldin says its account modeling does not capture cost basis, allocations, or transactions; users need to enter those themselves for an accurate plan. That is a meaningful manual step for anyone whose investment or cash-flow picture depends on those details.

Scenario tools and AI

Multiple scenarios and Monte Carlo analysis are included with PlannerPlus, giving users ways to compare assumptions and stress-test a plan. Boldin AI can answer questions based on plan data, but the company cautions that it may misunderstand questions and that its hypothetical outputs are not financial, tax, or legal advice. Treat it as an aid to exploring a plan, not a substitute for professional guidance.

Privacy and support

Boldin says browser-to-server communication uses 256-bit encryption and employees cannot access account credentials. It says it adheres to SOC 2 Type 1 and 2 controls, is TrustArc certified and GDPR compliant, and adheres to CCPA regulations. It also says it does not sell user data, require a Social Security number, real name, or account numbers, or store purchase card numbers.

Support options include classes, one-to-one coaching, chat, a community, financial education, and access to CFP® professionals. The 14-day trial has a narrower safety net: technical help is available, but coaching and step-by-step plan setup help are not.

Pricing

Boldin uses a freemium model. Basic is free and includes 100+ inputs, two interactive explorers, 10+ charts, and up to five Boldin AI questions per day. It offers room to build a plan and inspect results, but omits account linking, multiple scenarios, Monte Carlo analysis, and the other PlannerPlus tools that matter most for deeper comparisons.

PlannerPlus costs $144 /yr, billed annually after a 14 day free trial. It includes 250+ inputs, account linking, a Roth conversion explorer, tax projections, multiple scenarios, and Monte Carlo analysis, plus unlimited conversations with up to 200 questions per conversation. This is the better fit for individuals who want detailed planning and scenario analysis; the annual renewal makes it a more substantial commitment than Basic, and trial users should not expect coaching or guided setup.

Boldin Advisors costs a $3,200 flat fee. It includes a comprehensive retirement plan checkup, written action plan, portfolio analysis, withdrawal strategies, Roth conversion recommendations, cash flow planning, and stress testing. It suits someone seeking a defined advisory deliverable rather than a self-directed planning subscription.

Platforms

Boldin supports Android, iOS, and web. It lists supported browsers and operating systems for Windows, Mac, iOS, and Android devices.

Who it's for

Boldin is a good match for individuals who want to bring retirement planning, taxes, Social Security, and household finances into one set of projections, then test how alternate assumptions affect the result. It is less suited to people who want account connections alone to produce a complete investment model, since cost basis, allocations, and transactions require manual entry. Boldin also serves through business partners, including Nationwide and MarketWatch.

Pros and cons

• Pros: Broad household scope combines income, expenses, taxes, benefits, Social Security, and real estate in one planning workflow.
• Pros: PlannerPlus adds multiple scenarios and Monte Carlo stress testing for users who want to compare outcomes rather than settle for one projection.
• Pros: Free Basic has 100+ inputs and 10+ charts, providing meaningful planning tools without a subscription.
• Cons: Linked balances do not capture cost basis, allocations, or transactions, leaving users to supply important investment details themselves.
• Cons: Basic limits AI to five questions per day and lacks account linking, multiple scenarios, and Monte Carlo analysis.
• Cons: Trial support excludes coaching and step-by-step setup, reducing the help available during the period when a new user may be building a plan.

Alternatives

For a wider set of retirement-planning options, browse Retirement Planning Software; for broader financial-planning tools, see Financial Planning Software.

Choose ProjectionLab if you want a free plan with forecasting, flexible modeling, Monte Carlo simulations, and historical backtesting. Choose MaxiFi if you prefer a paid planning product with a 14-day trial and a detailed lifetime plan that compares three alternate scenarios. Retirement Budget Calculator is an option for someone whose priority is retirement budgeting and asset tracking, with a free lifetime plan and a $9.95 per month premium plan.

driftcurve, FI Calc, Fidelity Planning & Guidance Center, Flexible Retirement Planner, and Retireator are also alternatives for readers comparing retirement-planning tools.

Verdict

Choose Boldin if you want a broad household plan with tax and Social Security modeling, scenario comparisons, and stress tests in one platform. Its main advantage is the range of decisions it can bring into the same projection; its main drawback is that account linking still leaves users responsible for entering key investment details. Start with Basic if its limits suit your planning, or move to PlannerPlus when account linking and full scenario analysis justify the annual subscription.