Boldin

Overview

Boldin is a financial planning platform for building a plan around your resources, values, goals, and priorities. Its Planner brings together multiple parts of household finances, including income, expenses, Social Security, benefits, taxes, real estate, and other financial considerations. Rather than focusing on a single account or budget, it helps users look at how these parts may affect a longer-term plan.

The platform supports income and savings growth projections, withdrawal planning, detailed tax modeling, and Social Security modeling. Users can explore hypothetical choices, compare scenarios, and stress-test a plan with Monte Carlo analysis. This makes Boldin relevant to people who want to examine how changes in their assumptions could affect their financial outlook.

Boldin offers a free plan, a 14-day free trial for its paid plan, and a separate paid advisory service. Its stated support options include classes, one-to-one coaching, chat, a community, financial education, and access to CFP® professionals, though trial users should note that coaching and step-by-step plan setup help are not included during the trial.

Key features

Planning and scenario analysis

The Planner covers income, expenses, benefits, Social Security, taxes, real estate, and other elements of a household's finances. Users can adjust assumptions and consider what-if scenarios, then review projections and stress tests. Monte Carlo analysis is included with PlannerPlus, giving users another way to assess how a plan might fare under varied conditions.

PlannerPlus also includes a Roth conversion explorer, tax projections, and multiple scenarios. These tools can help users examine the potential implications of decisions such as conversion timing or changes to income and withdrawals. They remain planning tools: a projection reflects the information and assumptions entered, not a guaranteed outcome.

Account linking and modeling limits

Boldin's account-linking flow uses Plaid, MX, and Mastercard (Finicity) to connect financial accounts and keep balances current. Account synchronization is read-only. Linking can reduce the need to update balances manually, but Boldin says its account modeling does not yet capture cost basis, allocations, or transactions. Users must enter those details themselves if they want them reflected accurately in a plan.

Security, privacy, and AI

Boldin says browser-to-server communication is protected with 256-bit encryption and that employees cannot access users' credentials. It also says it adheres to SOC 2 Type 1 and Type 2 controls, is TrustArc certified and GDPR compliant, and adheres to CCPA regulations. According to the company, it does not sell user data, require a Social Security number, real name, or account numbers, or store purchase card numbers.

Boldin AI answers using plan data, but the company cautions that it may misunderstand questions. Its outputs are hypothetical and are not a substitute for professional financial, tax, or legal advice.

Pricing

Boldin uses a freemium pricing model, with a free Basic plan, a paid PlannerPlus subscription, and a separately priced advisory service.

• Basic: 0.00 USD per free, billed Free. Includes 100+ inputs, 2 interactive explorers, 10+ charts, and Boldin AI with up to 5 questions per day.
• PlannerPlus: 144.00 USD per year, billed $144 /yr annually after the 14 day free trial. Includes 250+ inputs, unlimited conversations of up to 200 questions per conversation, account linking, the Roth conversion explorer, tax projections, multiple scenarios, and Monte Carlo analysis.
• Boldin Advisors: 3200.00 USD per once, billed $3,200 flat fee. Includes a comprehensive retirement plan checkup, written action plan, portfolio analysis, withdrawal strategies, Roth conversion recommendations, cash flow planning, and stress testing.

The Basic plan provides a way to work with a more limited set of inputs and tools without a subscription. PlannerPlus is the tier with account linking and the broader scenario and tax-planning features. Boldin Advisors is a one-time advisory engagement rather than an annual software subscription.

Platforms

Boldin is available on the web, Android, and iOS. It lists supported browsers and operating systems for Windows, Mac, iOS, and Android devices, so users can access the platform through supported desktop and mobile environments.

Who it's for

Boldin may suit individuals and households who want to bring multiple financial topics into one plan and explore how different decisions could change projections. Its focus on income, expenses, taxes, benefits, housing, Social Security, savings growth, and withdrawals is relevant to people planning around retirement as well as broader household priorities.

Freelancers may also find the platform relevant if they want to include their income and other resources in a longer-range financial plan. The available facts do not specify dedicated freelancer workflows, however, so users should assess whether its general planning approach covers their particular needs.

Users considering the free trial should distinguish technical help from planning guidance: Boldin says technical support is available during the trial, but coaching and step-by-step setup help are not. Boldin also says its platform serves individuals and is deployed through business partners including Nationwide and MarketWatch.

Pros and cons

• Pros: The Planner addresses a broad range of household financial topics, including detailed tax modeling and Social Security.
• Pros: Scenario tools, projections, withdrawal planning, and Monte Carlo stress testing support comparison of different assumptions and choices.
• Pros: A free Basic plan is available, and the paid plan includes a 14-day free trial.
• Pros: Boldin describes multiple support and education options, including classes, chat, a community, coaching, and access to CFP® professionals.
• Cons: Linked account data does not include cost basis, allocations, or transactions, which users must enter manually for an accurate plan.
• Cons: Trial users do not receive coaching or step-by-step plan setup assistance.
• Cons: Boldin AI may misunderstand questions, and its answers are hypothetical rather than professional financial, tax, or legal advice.

Alternatives

People comparing retirement planning software can browse Retirement planning tools. Other options include Fidelity Planning & Guidance Center, Flexible Retirement Planner, and ProjectionLab. Also worth considering are RetireePlan, RetireGolden, MaxiFi, driftcurve, and Retirement Budget Calculator.

Verdict

Boldin is a broad financial planning platform for people who want to connect household priorities with projections for income, taxes, benefits, savings, and withdrawals. Its scenario analysis and Monte Carlo stress testing support exploring how a plan responds to different assumptions, while account linking can keep balances up to date. The main caveat for linked accounts is that important details such as cost basis, allocations, and transactions still need to be entered by the user.

The free Basic tier offers a starting point, while PlannerPlus adds account linking, tax projections, more inputs, and expanded scenario tools for $144 /yr billed annually after the 14 day free trial. Those looking for tailored review can consider Boldin Advisors at a $3,200 flat fee. Before relying on any projection or AI response, users should remember that plans depend on entered information and assumptions, and Boldin's AI is not professional advice.