Overview

Boldin takes a broad view of personal finances rather than concentrating on a single account or budget. Its Planner brings together income, expenses, Social Security, benefits, taxes, real estate, and other household factors, with projections for income and savings growth and tools for withdrawal planning. The breadth is useful when a decision affects several parts of a plan, but it also makes accurate inputs important.

Boldin supports individuals and is also deployed through business partners including Nationwide and MarketWatch. Its Android, iOS, and web availability gives users several ways to access a plan; supported browsers and operating systems include Windows and Mac as well as mobile devices.

Key features

Planning scenarios and projections

Users can change assumptions, compare what-if scenarios, and review projections and stress tests using Monte Carlo analysis. This is a meaningful advantage for people weighing retirement timing, withdrawals, or other changes across a household plan. Detailed tax modeling and Social Security modeling extend the scope beyond basic savings projections.

Account linking and data limits

Account linking uses Plaid, MX, and Mastercard (Finicity) to sync balances, but synchronization is read-only. Boldin's account modeling does not capture cost basis, allocations, or transactions, so users must enter those themselves for an accurate plan. Linking can reduce balance upkeep, but it is not a complete representation of an investment portfolio.

Security, privacy, and AI

Boldin says browser-to-server communications use 256-bit encryption and employees cannot access account credentials. It says it follows 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 or require a Social Security number, real name, or account numbers, and does not store purchase card numbers.

Boldin AI answers from plan data, but may misunderstand questions; its outputs are hypothetical and not a substitute for professional financial, tax, or legal advice. That makes it a planning aid, not a source of authoritative guidance.

Pricing

Basic is free and includes 100+ inputs, two interactive explorers, 10+ charts, and up to five Boldin AI questions per day. It is a useful way to start modeling, but it omits account linking, multiple scenarios, Monte Carlo analysis, and the broader paid planning tools.

PlannerPlus costs $144 /yr, billed annually after a 14-day free trial. It includes 250+ inputs, unlimited conversations of up to 200 questions each, account linking, a Roth conversion explorer, tax projections, multiple scenarios, and Monte Carlo analysis. This is the best fit for individuals who want a more complete self-directed plan and are prepared to maintain missing portfolio details themselves. During the trial, technical help is available, but coaching and step-by-step plan setup help are not.

Boldin Advisors costs $3,200 flat fee. The one-time fee covers a comprehensive retirement plan checkup, written action plan, portfolio analysis, withdrawal strategies, Roth conversion recommendations, cash flow planning, and stress testing. It suits people who want a professional review and written guidance rather than relying on self-directed tools alone.

Platforms

Boldin is available on Android, iOS, and the web. Its supported browser and operating system list also covers Windows and Mac devices.

Who it's for

Boldin is a strong match for individuals who want to model retirement and household finances together, compare assumptions, and examine tax and Social Security effects. It is less suitable for anyone expecting linked investment accounts to supply a full portfolio picture automatically, or anyone who needs coaching during the trial before committing to setup.

Pros and cons

Broad household scope: Income, expenses, taxes, benefits, Social Security, and real estate can be considered in one plan.
Useful stress testing: Multiple scenarios and Monte Carlo analysis help users examine how assumptions could change outcomes.
Distinct support paths: Classes, one-to-one coaching, chat, community, financial education, and CFP® access offer support beyond software tools.
Incomplete account modeling: Cost basis, allocations, and transactions require manual entry, limiting the value of account linking for portfolio-level accuracy.
Trial support is narrow: Technical help is included, but trial users do not get coaching or step-by-step setup assistance.

Alternatives

For a no-cost option focused on retirement scenarios, Flexible Retirement Planner is free for individual non-commercial use and runs on Linux, macOS, web, and Windows. ProjectionLab is another freemium choice with a free Basic tier covering forecasting, financial planning, Monte Carlo simulations, historical backtesting, and flexible modeling. For open-source options, consider RetireePlan, which is free forever, or Retireator, a free retirement simulator.

Fidelity Planning & Guidance Center offers a free plan with no fee to generate a plan, though investment expenses and account transaction fees may still apply. Retirement Budget Calculator has a lifetime free tier for basic retirement budgeting and asset tracking, plus a $9.95 per month premium plan. T. Rowe Price Retirement Income Calculator and driftcurve are also free web options.

For more choices, browse Retirement Planning Software or Financial Planning Software.

Verdict

Choose Boldin if you want a detailed, self-directed household plan with scenario comparison, tax modeling, and retirement stress tests, or if you want its separate advisory checkup. Look elsewhere if you need linked accounts to capture investment detail automatically or require coaching while trying the service.

	Boldin	Dynamic Planner
Free plan	Yes	No
Free trial	Yes	No
Paid from	$12/mo	£0.67/mo
Open source	No	No
Platforms	Android, iOS, Web	Android, api, iOS, Web
Free plan	Yes	No
Scenario analysis	Yes	Yes
Cash-flow modeling	—	Yes
Goal planning	—	Yes
Investment planning	—	Yes
Client portal	—	Yes

Boldin vs Dynamic Planner

Boldin

Dynamic Planner