Boldin review
A guided retirement plan with detailed projections, plus a free tier to get started.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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, withdrawals, and real estate. Users can explore what-if scenarios, compare Social Security claiming ages, and ask AI-powered questions about a plan. Its scope suits households looking for guided, detailed projections rather than a narrowly focused calculator.
The free Basic plan includes personalized plan building, planning answers, what-if scenarios, and limited Boldin AI. PlannerPlus costs $144 per year, billed annually, and is advertised with a 14-day free trial. It adds advanced tax projections, linked accounts, a Roth conversion explorer, multiple scenarios with comparison, Monte Carlo analysis, and detailed budgeting and income planning. The paid tier is most relevant to households that want to examine tax effects and compare more complex planning choices; those who need only initial projections can start with Basic.
Account linking is available through Plaid, MX, and Finicity, and synchronizes financial-account balances on a read-only basis. That can keep plan inputs aligned with account balances, but it does not provide write access. Beyond syncing, Boldin covers several interconnected retirement questions—withdrawal-order customization, federal and state tax projections, Social Security strategies, and Roth conversions—alongside education, coaching, and optional CFP professional services. Choose it if you want a broad retirement-planning workspace with scenario analysis; consider another option if you need financial-account transactions or a platform beyond the web.
Boldin pros and cons
- 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
Boldin fact sheet, pricing and score →
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