Boldin vs Fidelity Planning & Guidance Center vs ProjectionLab
Editor scores, prices, free plans, features, pros and cons — side by side.
Scores and ranks are from Retirement Planning Software, the directory all 3 tools are ranked in.
Quick verdict
- Highest scoreBoldin · 9.9/10
- Free planall 3
In our retirement planning software ranking, Boldin leads at #1 (9.9/10), Fidelity Planning & Guidance Center is #2 (8.9), ProjectionLab is #3 (8.3).
Boldin fits households building and comparing retirement plans. Fidelity Planning & Guidance Center fits fidelity customers wanting free, connected planning. ProjectionLab fits visual planners wanting free scenario analysis.
Side by side
| Feature | Boldin 9.9/10 Visit ↗ | Fidelity Planning & Guidance Center 8.9/10 Visit ↗ | ProjectionLab 8.3/10 Visit ↗ |
|---|---|---|---|
| At a glance | |||
| Editor score | 9.9 | 8.9 | 8.3 |
| Ranking | #1 in Retirement Planning Software | #2 in Retirement Planning Software | #3 in Retirement Planning Software |
| Best for | Households building and comparing retirement plans | Fidelity customers wanting free, connected planning | Visual planners wanting free scenario analysis |
| Pricing model | Free plan + paid | Free | Free plan + paid |
| Starting price | Not published | Not published | Not published |
| Free plan | ✓ | ✓ | ✓ |
| Free trial | — | — | — |
| Deployment | Cloud | Cloud | Cloud |
| Platforms | Web | Web | Web |
| Integrations | 3 integrations | 3 integrations | 4 integrations |
| Features Boldin 5/5 · Fidelity Planning & Guidance Center 5/5 · ProjectionLab 5/5 | |||
| Income projection | ✓ | ✓ | ✓ |
| Savings growth projection | ✓ | ✓ | ✓ |
| Withdrawal planning | ✓ | ✓ | ✓ |
| Social Security modeling | ✓ | ✓ | ✓ |
| Scenario analysis | ✓ | ✓ | ✓ |
| Specs | |||
| Tax modeling | Detailed | Detailed | Detailed |
| Account synchronization | Read_only | Read_only | None |
| Our review | |||
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| Our verdict | Boldin is web-based retirement planning software for individuals and households who want to build a personalized long-term plan. It projects retirement income and expenses, savings and net worth, and models Social Security, taxes,… Read the review → |
Fidelity Planning & Guidance Center gives Fidelity customers and workplace-plan participants a free way to assess retirement readiness and plan other financial goals. It considers savings, future contributions, income sources, expenses,… Read the review → |
ProjectionLab is web-based financial and retirement planning software for individuals, couples, and financial advisors who want to model long-term plans. It covers income, expenses, investments, taxes, withdrawals, and estate outcomes,… Read the review → |
Strengths and trade-offs
Boldin — where it wins
- Models income, expenses, Social Security, taxes, and withdrawals
- PlannerPlus adds Roth conversions, tax projections, and Monte Carlo analysis
- Links account balances through Plaid, MX, or Finicity
Where it doesn't
- PlannerPlus costs $144 per year after a 14-day free trial
- Account linking syncs balances read-only
- Available on web
Fidelity Planning & Guidance Center — where it wins
- Models retirement income, savings growth and withdrawal strategies
- Estimates federal, state and local taxes and Social Security benefits
- Connects Fidelity and external accounts through Full View
Where it doesn't
- Plans are informational and hypothetical, not actual tax calculations
- External account data is read-only; manually entered accounts do not update
- Investment expenses and trading or transaction fees may still apply
ProjectionLab — where it wins
- Free Basic plan includes forecasting, Monte Carlo, and historical backtesting
- Premium adds tax optimization, withdrawal strategies, and estate planning
- Compare what-if plans and model Social Security and legacy outcomes
Where it doesn't
- Financial information must be entered manually
- Direct financial-account linking is not supported
- Pro costs $549 per year, above Premium at $129 per year
- Boldin9.9/10 · Free plan · paid from $144/yr · 14-day trial
A guided retirement plan with detailed projections, plus a free tier to get started.
Visit BoldinFull verdict → - Fidelity Planning & Guidance Center8.9/10 · Free plan
A free planner with tax, Social Security, withdrawal and what-if analysis.
Visit FidelityFull verdict → - ProjectionLab8.3/10 · Free plan · paid from $129/yr · 7-day trial
A visual retirement planner with free projections and paid tax, withdrawal, and scenario tools.
Visit ProjectionLabFull verdict →
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