Overview

Boldin is designed to help individuals build a financial plan around their resources, goals, values, and priorities. Its Planner spans income and expenses, Social Security, benefits, taxes, real estate, and other parts of household finances, with projections for income, savings growth, and withdrawals. Detailed tax modeling and scenario analysis make it more than a simple balance tracker: users can explore how different assumptions might shape a plan.

Monte Carlo analysis adds a way to stress-test scenarios, but its results remain projections based on the plan's inputs, not guarantees. Boldin also offers access to classes, coaching, chat, a community, financial education, and CFP® professionals. During the 14-day trial, support is limited to technical help; coaching and step-by-step plan setup are not included.

Key features

Scenario planning across household finances

Users can adjust assumptions and compare what-if scenarios across several connected areas of their financial life. That breadth suits people weighing retirement and other long-range decisions together. It may be more than needed for someone who only wants to track spending or check a single account balance.

Linked accounts, with important gaps

Boldin uses Plaid, MX, and Mastercard (Finicity) to connect accounts and keep balances current. The sync is read-only, and account modeling does not capture cost basis, allocations, or transactions; users need to enter those themselves for an accurate plan. Account linking can reduce routine balance updates, but it does not remove the work of building a complete picture.

Security and AI cautions

Boldin says browser-to-server communication uses 256-bit encryption and employees cannot access account credentials. It also says it follows SOC 2 Type 1 and 2 controls, is TrustArc certified and GDPR compliant, and adheres to CCPA regulations. The company says 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 and may misunderstand questions. Its responses are hypothetical, not financial, tax, or legal advice, so consequential decisions still call for professional judgment.

Pricing

Basic is free and includes 100+ inputs, two interactive explorers, 10+ charts, and up to five Boldin AI questions per day. It gives newcomers room to build a plan, but the daily AI cap and limited explorers make it less suitable for extensive scenario work.

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, the Roth conversion explorer, tax projections, multiple scenarios, and Monte Carlo analysis. This is the more capable choice for people who want linked balances and deeper planning tools; the annual commitment begins after the trial.

Boldin Advisors is a $3,200 flat fee for a comprehensive retirement plan checkup, written action plan, portfolio analysis, withdrawal strategies, Roth conversion recommendations, cash flow planning, and stress testing. It is a one-time advisory service rather than another self-directed subscription, making it the option for users who want a review and recommendations alongside planning tools.

Platforms

Boldin supports web, iOS, and Android. Its supported browser and operating-system coverage includes Windows and Mac as well as mobile devices, giving users access across common desktop and phone environments.

Who it's for

Boldin is best suited to individuals who want to model retirement and household finances together, especially those comfortable checking assumptions and manually filling gaps in linked account data. Its scenario and tax tools can help compare possible paths, while the classes and professional support options offer routes beyond self-service outside the trial. People who want a fully populated financial picture from account sync alone, or personal coaching during the trial, should look elsewhere.

Pros and cons

Broad household scope: income, expenses, Social Security, benefits, taxes, real estate, and withdrawals can be considered within one plan.
Substantial scenario tools on PlannerPlus: multiple scenarios and Monte Carlo analysis support stress-testing rather than relying on a single projection.
Account sync has limits: cost basis, allocations, and transactions require manual entry, which can add upkeep and affect accuracy.
Trial support is narrow: users get technical help but not coaching or step-by-step setup during the 14 days.
AI requires judgment: answers can misread questions and should not be treated as professional advice.

Alternatives

For more software options, browse Financial Planning Software or Retirement Planning Software.

Choose ProjectionLab if free forecasting, flexible modeling, Monte Carlo simulations, or historical backtesting matter more than Boldin's specific household-planning and account-linking mix; it also has a free plan and trial.

Conquest is aimed at US-based independent advisors and boutique firms, typically teams of 10 or fewer, rather than an individual household planning subscription.

myprosperity is an alternative for users whose partner plan includes its free Starter client subscription, with one-time bank and credit-card sync and property and car valuations.

AstuteWheel is another option to consider.

Betterment is an alternative to consider.

FE CashCalc is an alternative to consider.

Elements is an alternative to consider.

MaxiFi is an alternative to consider.

Verdict

Choose Boldin if you want to bring retirement, taxes, Social Security, and broader household decisions into one scenario-based plan, and are willing to maintain inputs that account sync cannot supply. Look elsewhere if you need linked accounts to capture investment detail automatically or want coaching during the trial. Basic is a useful entry point; PlannerPlus is the relevant tier for full scenario analysis and account linking.

	Boldin	Voyant
Free plan	Yes	No
Free trial	Yes	Yes
Paid from	$12/mo	$3/mo
Open source	No	No
Platforms	Android, iOS, Web	Web
Free plan	Yes	No
Scenario analysis	Yes	Yes
Cash-flow modeling	—	Yes
Goal planning	—	Yes
Tax planning	—	Yes
Insurance planning	—	Yes
Investment planning	—	Yes
Client portal	—	Yes

Boldin vs Voyant

Boldin

Voyant