Alternatives
A Boldin alternative with a smaller planning surface
Meridary is an alternative for people who do not need Boldin's full input set or account linking and prefer a guided plan with a lifetime purchase option.
By Steven, Founder · Updated September 2, 2026
Short answer
- Keep Boldin if connected accounts and its broad feature set are central to your planning process.
- Consider Meridary if its narrower household scope fits and manual entry is acceptable.
- 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
PlannerPlus renews at $144 per year after its trial. Meridary offers the same planner access for either a $149–$199 founding lifetime purchase or $12 per month. Its guided input set can also be a better match for someone who does not plan to maintain hundreds of fields.
Meridary requires manual account entry and publishes a defined model boundary. That reduces setup and data connections, but it also means 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 needs two-earner wage modeling and one Social Security benefit, is comfortable entering account totals, and values a compact explanation of federal tax, RMDs, Roth conversions, healthcare, and market uncertainty.
Meridary vs Boldin, at a glance
| Feature | Meridary | Boldin |
|---|---|---|
| Reason to stay | Not applicable | Connected accounts and a broader planning surface |
| Reason to switch | Bounded workflow with a lifetime purchase option | 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 | 30-day money-back guarantee | Free Basic plus 14-day PlannerPlus trial |
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Frequently asked
- Is Meridary a complete replacement for every Boldin plan?
- No. Meridary has a narrower household model with two-earner wages but one Social Security benefit, no account aggregation, and no state-specific tax engine. Compare those boundaries 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
Sources
- DIY retirement and financial planning software pricing — Boldin
Current Boldin plans, pricing, trial, inputs, account linking, and listed features.
Accessed September 3, 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.