Boldin

What Boldin does

Individuals can use Boldin to shape retirement and household plans around their resources, values, goals and priorities. Its Planner brings together income, expenses, Social Security, benefits, taxes, real estate and other elements of household finances.

Users can test what-if situations, compare scenarios and view projections. In Monte Carlo analysis, the feature performs 1,000 iterations based on a historically inferred return standard deviation. Boldin AI uses plan information to answer questions and run forecasts through the company’s financial engine.

Fees and plans

Boldin has a freemium model. The pricing note shows a free plan, paid access starting at $144 a year and a 14-day trial.

Basic has no charge and offers a personalized plan, what-if scenarios and limited Boldin AI. At $168 annually, PlannerPlus adds unlimited Boldin AI, advanced scenario modeling, a Roth conversion explorer, Monte Carlo, tax projections and account linking.

Boldin Advisors is a $3,200 flat-fee, one-time service. It provides a CFP professional retirement-plan checkup, written action plan, portfolio analysis, and withdrawal and Roth-conversion recommendations.

Where it runs

Boldin offers web, iOS and Android access, along with an API for companies embedding planning features. It lists Windows, Mac, iOS and Android among its supported browsers and operating systems.

Crunchbase describes Boldin as desktop-based and mobile-friendly without a dedicated mobile app. The facts do not specify which planning actions are available on a phone.

Protection and rules, as Boldin publishes them

According to Boldin, browser-to-server communication is protected with 256-bit encryption, employees cannot access user credentials, and its data centers use biometric and video controls. It says it follows SOC 2 Type 1 and Type 2 controls, is TrustArc certified, and complies with GDPR and CCPA requirements.

Boldin says it neither sells user data nor requires a Social Security number, real name or account number, and says it does not retain payment-card numbers. Its terms call the software proprietary, grant only a personal, non-transferable, non-exclusive licence, and bar copying, modification and reverse engineering.

The company characterizes Boldin AI output as hypothetical, notes that questions may be misunderstood, and says it is not a replacement for professional financial, tax or legal advice.

Strengths

The Planner combines income, spending, taxes, benefits, Social Security, housing and other household details in one model. With PlannerPlus, users can compare scenarios side by side, examine detailed tax projections and use a year-by-year Roth-conversion tool.

Plaid, MX and Mastercard Finicity can link accounts to keep balances current. Help is available through classes, one-to-one coaching, chat, a community, financial education and CFP professionals.

Catches

Linked accounts currently leave out cost basis, allocations and transactions, Boldin says, so users need to supply those details themselves for an accurate plan.

Technical help is available during the free trial, but coaching and step-by-step setup assistance are not. The MCP server is restricted to PlannerPlus members and coding assistants; it can read plan data and run forecasts but cannot change a plan.

Medicare projections use state-average data from the Medicare.gov API, with assumptions for premiums, deductibles, prescriptions and out-of-pocket costs. Social Security reduction modeling requires an adjustable percentage and start year.

Who may want another tool

People who need linked cost basis, allocations or transaction history captured automatically may find the manual entry requirement unsuitable. Those wanting a dedicated phone app should note the description of Boldin as mobile-friendly but without one.

Verdict

For individuals seeking a broad retirement and household model, Boldin offers detailed tax and benefit projections and ways to test multiple futures. Basic provides a no-cost starting point, while PlannerPlus adds the deeper scenario, Roth-conversion, Monte Carlo and account-linking features.

Account details that Boldin does not import must be entered by the user, and AI output remains hypothetical.

Questions