Boldin Review 2026: The $12/Month Retirement Planner That Replaced My Financial Advisor
by Boldin (formerly NewRetirement) · Last updated March 2026
Boldin (formerly NewRetirement) answers the question that keeps pre-retirees up at night: 'Am I going to be okay?' For $12/month, the platform provides financial modeling depth that used to require a $3,000+ engagement with a financial planner. With 250+ data points covering Social Security, Medicare, Roth conversions, real estate, and tax projections, Boldin transforms retirement planning anxiety into actionable, scenario-based analysis.
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Key Facts — Boldin
Review by the Velocity AI Insights editorial team. Last updated March 2026.
Bottom Line
Boldin is the best value in retirement planning software. At $12/month, PlannerPlus delivers 250+ data point modeling, AI guidance, and Monte Carlo simulations that rival professional engagements costing 20x more. For pre-retirees who want to take control of their financial future without AUM fees, Boldin is the smartest investment at $144/year.
Top Pros
Top Cons
Medium
Setup Difficulty
Free Tier
Pricing Model
Financial Advisors
Target Industry
8+
Key Features
What is Boldin?
Boldin is a comprehensive DIY financial planning platform that rebranded from NewRetirement in September 2024. The platform enables individuals to model their entire financial life with over 250 configurable data points.
Key Features
250+ data point financial modeling covers income, expenses, assets, debts, Social Security, pensions, and taxes.
Boldin AI assistant responds to plain-language financial questions based on your specific data.
Social Security optimization explorer models claiming strategies across ages 62-70.
Roth conversion analysis identifies optimal annual amounts to minimize lifetime tax burden.
Account aggregation via Plaid for real-time net worth tracking.
Scenario comparison with optimistic, average, and pessimistic assumptions plus Monte Carlo simulations.
Pricing Details
Basic (free): core projections, scenario testing, Social Security and Roth explorers. PlannerPlus ($12/mo or $144/yr): Monte Carlo, detailed tax modeling, AI guidance, account aggregation, advanced scenarios, live classes. Boldin Advisors ($3,200 flat fee): CFP professional retirement plan checkup.
Pros
$12/mo makes PlannerPlus the most affordable serious retirement planning tool.
Free tier is genuinely useful with core projections and Social Security explorer.
AI assistant removes the jargon barrier from financial planning.
Account aggregation provides real-time financial snapshots alongside projections.
Cons
Free version uses conservative defaults that can produce pessimistic projections.
Account aggregation via Plaid requires sharing bank credentials.
$3,200 advisor service is expensive for a single checkup.
250+ inputs can create analysis paralysis for first-time users.
Real-World Use Cases
Pre-retirees in their 50s can model early retirement at 58, 60, and 62 comparing Social Security strategies and healthcare costs.
Roth conversion planners can find optimal annual amounts that fill tax brackets without triggering IRMAA surcharges.
First-time planners can start free and upgrade to PlannerPlus ($12/mo) when they need Monte Carlo and AI guidance.
Implementation Difficulty: Medium
Implementation requires some technical planning and configuration. While not overly complex, partnering with an experienced implementation team can significantly reduce setup time and ensure optimal configuration.
Our Verdict
Boldin is the best value in retirement planning software. At $12/month, PlannerPlus delivers 250+ data point modeling, AI guidance, and Monte Carlo simulations that rival professional engagements costing 20x more. For pre-retirees who want to take control of their financial future without AUM fees, Boldin is the smartest investment at $144/year.
See How Boldin Compares
Before you decide, see how Boldin stacks up against the competition.
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