Boldin vs Fidelity Planning & Guidance Center

Boldin9.4Visit Fidelity Planning & Guidance Center9.3Visit

Higher score Boldin #1 in Retirement Planning Software 9.4/10 Free plan · 14-day trial Free planFree trial✓ 5 of 5 features Visit Boldin

vs

Fidelity Planning & Guidance Center #2 in Retirement Planning Software 9.3/10 Free plan Free plan✓ 5 of 5 features Visit Fidelity

• Boldin fits best

  Households building and comparing retirement plans

• Fidelity Planning & Guidance Center fits best

  Fidelity customers wanting free, connected planning

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Side by side

Feature	Boldin 9.4/10 Visit ↗	Fidelity Planning & Guidance Center 9.3/10 Visit ↗
At a glance
Editor score	9.4	9.3
Ranking	#1 in Retirement Planning Software	#2 in Retirement Planning Software
Best for	Households building and comparing retirement plans	Fidelity customers wanting free, connected planning
Pricing model	Free plan + paid	Free
Starting price	$144/yr	Free
Free plan	✓	✓
Free trial	14 days	—
Deployment	Cloud	Cloud
Platforms	Web	Web
Integrations	3 integrations	3 integrations
Features Boldin 5/5 · Fidelity Planning & Guidance Center 5/5
Income projection	✓	✓
Savings growth projection	✓	✓
Withdrawal planning	✓	✓
Social Security modeling	✓	✓
Scenario analysis	✓	✓
Specs
Tax modeling	Detailed	Detailed
Account synchronization	Read_only	Read_only
Our review
Pros	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	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
Cons	PlannerPlus costs $144 per year after a 14-day free trial Account linking syncs balances read-only Available on web	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
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 →

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

• Boldin9.4/10 · Free plan · 14-day trial

  A guided retirement plan with detailed projections, plus a free tier to get started.

  Visit BoldinFull verdict →
• Fidelity Planning & Guidance Center9.3/10 · Free plan

  A free planner with tax, Social Security, withdrawal and what-if analysis.

  Visit FidelityFull verdict →