Boldin vs The Complete Retirement Planner

Boldin9.6Visit TCThe Complete Retirement Planner7.6Visit

Higher score Boldin #1 in Retirement Planning Software 9.6/10 Free plan · paid from $144/yr · 14-day trial Free plan✓ 5 of 5 features Visit Boldin

vs

TC The Complete Retirement Planner #5 in Retirement Planning Software 7.6/10 From $89.99 ✓ 5 of 5 features Visit The Planner

• Boldin fits best

  Households building and comparing retirement plans

• The Complete Retirement Planner fits best

  U.S. households wanting a low-cost one-time purchase

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Side by side

Feature	Boldin 9.6/10 Visit ↗	TCThe Complete Retirement Planner 7.6/10 Visit ↗
At a glance
Editor score	9.6	7.6
Ranking	#1 in Retirement Planning Software	#5 in Retirement Planning Software
Best for	Households building and comparing retirement plans	U.S. households wanting a low-cost one-time purchase
Pricing model	Free plan + paid	Paid
Starting price	Not published	Not published
Free plan	✓ (best)	—
Free trial	—	—
Deployment	Cloud	Desktop
Platforms	Web	Windows, macOS
Integrations	3 integrations	1 integrations
Features Boldin 5/5 · The Complete Retirement Planner 5/5
Income projection	✓	✓
Savings growth projection	✓	✓
Withdrawal planning	✓	✓
Social Security modeling	✓	✓
Scenario analysis	✓	✓
Specs
Tax modeling	Detailed	Detailed
Account synchronization	Read_only	None
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	Projects income, expenses, savings, taxes, and distributions year by year Models Social Security, RMDs, Roth conversions, Medicare, and healthcare costs Supports what-if scenarios and sequence-of-returns testing
Cons	PlannerPlus costs $144 per year after a 14-day free trial Account linking syncs balances read-only Available on web	Requires paid Microsoft Excel 2016 or later Uses user-entered financial information rather than account syncing Available as a downloadable Excel tool, not a cloud-based planner
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 →	The Complete Retirement Planner is downloadable Microsoft Excel software for households planning before or during retirement. It builds year-by-year projections from user-entered financial information, covering income, expenses, savings,… 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

• The Complete Retirement Planner — where it wins

  • Projects income, expenses, savings, taxes, and distributions year by year
  • Models Social Security, RMDs, Roth conversions, Medicare, and healthcare costs
  • Supports what-if scenarios and sequence-of-returns testing

  Where it doesn't

  • Requires paid Microsoft Excel 2016 or later
  • Uses user-entered financial information rather than account syncing
  • Available as a downloadable Excel tool, not a cloud-based planner

• Boldin9.6/10 · 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 →
• TCThe Complete Retirement Planner7.6/10 · From $89.99

  A one-time Excel planner for year-by-year retirement, tax, and Social Security modeling.

  Visit The PlannerFull verdict →