retirement planning software comparison
A Boldin alternative for exploring when you might retire
Meridary helps you compare savings, spending, and retirement-age scenarios to understand what your retirement outlook depends on. Before moving from Boldin, check whether Meridary covers the household and tax details in your plan.
By Steven, Founder · Updated October 14, 2026
Short answer
- Keep Boldin if connected accounts and its broad feature set are central to your planning process.
- Consider Meridary to explore estimated retirement timing under different savings and spending assumptions, with manual account entry.
- Switching means giving up capabilities as well as changing the price and interface.
What Boldin already gives you
Boldin Basic provides a free way to build a plan. PlannerPlus adds the company's full analysis surface: 250-plus inputs, federal and state tax projections, account linking, Roth conversion tools, Monte Carlo analysis, multiple scenarios, and detailed charts.
Why someone might look for an alternative
Meridary lets you compare how changes in savings, spending, and retirement age affect a year-by-year projection. PlannerPlus renews at $144 per year after its trial. Meridary's lifetime and monthly options provide the same Meridary planner access: a $149–$199 founding lifetime purchase or $12 per month.
Meridary requires manual account entry and publishes its model limits. Account balances do not update automatically, and the planner cannot represent every household Boldin can.
What you give up by switching
You give up Boldin's free Basic tier, automatic account linking, wider household inputs, state-specific projections, large chart set, and the broader PlannerPlus analysis suite. Do not switch for price alone if those functions are part of how you maintain your plan.
Who Meridary is for
Meridary fits a U.S. household that wants to explore when retirement may be possible and can work within its supported model: two-earner wages, one Social Security benefit, federal tax plus a flat state rate, RMDs, Roth conversions, healthcare, and market uncertainty. Compare scenarios to understand the assumptions behind an estimated retirement age, not to obtain financial advice or a guaranteed outcome. Boldin details reflect the cited source access dates.
Meridary vs Boldin, at a glance
| Feature | Meridary | Boldin |
|---|---|---|
| Reason to stay | Not applicable | Connected accounts and a broader planning surface |
| Reason to switch | Guided savings, spending, and retirement-timing scenarios | PlannerPlus is an annual subscription |
| Setup change | Enter account values manually | Retain manual or linked accounts |
| Scope lost | Two-earner wages; federal plus flat-state model | Broad inputs and federal/state projections |
| Purchase protection | Lifetime purchases include a 30-day money-back guarantee from the day you buy; monthly subscriptions do not. Cancel monthly anytime to stop future charges; unused days are not refunded. | Free Basic plus 14-day PlannerPlus trial |
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Frequently asked
- Is Meridary a complete replacement for every Boldin plan?
- No. Meridary supports two-earner wages but only one Social Security benefit, with no account aggregation or state-specific tax engine. Compare those limits with the inputs your current Boldin plan uses.
- Can I move a Boldin plan into Meridary automatically?
- No. Meridary does not import Boldin data or connect financial accounts. You would enter the supported household and account values manually.
Read next
Methodology
See how Meridary checks calculator figures, tests the planning engine, states model limits, and records corrections on the validation methodology page.
Sources
- DIY retirement and financial planning software pricing — Boldin
Current Boldin plans, pricing, trial, inputs, account linking, and listed features.
Accessed October 14, 2026
This is an educational estimate, not tax or financial advice. Figures reflect the law year shown and the inputs you provide. Consult a qualified professional before acting.