Boldin Review (2026): What You Get, What It Costs, and Who It's For

What Boldin does well

Boldin is a broad DIY retirement planner. Boldin's pricing page lists a deep tool set on PlannerPlus and a smaller set on the free Basic plan.

The Roth Conversion Explorer looks at when and how much to convert. Lifetime tax planning projects federal and state taxes and supports tax-aware withdrawals. The Social Security Explorer compares claiming strategies for you and your spouse. Medicare and IRMAA tools cover early-retirement healthcare and Medicare premiums, including IRMAA.

Monte Carlo and stress testing run the plan through many possible market futures. Connected accounts keep balances current, with a shareable report. Boldin AI answers questions about the plan. Basic includes limited AI Q&A. PlannerPlus includes unlimited AI.

What Boldin costs

The prices and rows below are from Boldin's pricing page, checked November 12, 2026. Where Boldin's comparison table shows a dash, this table says not included. Boldin's price may change.

PlannerPlus is listed at $14 a month and $168 a year, billed annually after a 14-day free trial. That page also says you can cancel anytime. Basic is free. Boldin Advisors is the CFP service. The same page lists a $3,200 flat fee for a comprehensive retirement plan checkup and describes other advisor services. See Boldin before you pay.

Is Boldin worth it?

Whether PlannerPlus is worth $168 a year depends on whether you will use the tax, Social Security, Medicare, and Monte Carlo tools on Boldin's pricing page. At today's price, five years of PlannerPlus is $840. Meridary's current founding lifetime price is $149 once. The published ladder is $149–$199, so a later founding purchase can cost the higher price. The same Meridary planner is also $12 a month, which comes to $720 over five years. See Meridary pricing. Boldin's price may change, so confirm it on Boldin's page before you subscribe.

A household that will use couple Social Security claiming, connected accounts, and state-and-federal tax projections may decide the annual fee is worth it. A household whose main question is when retirement could work, and whose plan fits a narrower model, may not need PlannerPlus. Compare the fit on Meridary vs Boldin, Boldin alternatives, the planner comparison, and Boldin vs ProjectionLab.

Who should pick Boldin, and who should pick Meridary

Pick Boldin when you want the wider planner. Boldin's Social Security Explorer compares claiming strategies for you and your spouse. PlannerPlus also lists connected accounts, federal and state tax projections, the Roth Conversion Explorer, Medicare and IRMAA tools, and Monte Carlo. Boldin Advisors adds a CFP, with the checkup fee on Boldin's pricing page.

Pick Meridary when you want a guided estimate of when you could retire, you will enter accounts by hand, and your household fits the model. Meridary models two earners' wages but one Social Security benefit and no survivor transition. The comparison page states that limit, and the validation methodology publishes the same scope. Boldin is the better fit when the household needs two Social Security benefits or a survivor transition.

You can try the live demo on a sample household, with no signup, or start with the free when-can-I-retire calculator. For your own finances, see Meridary pricing.

What reviewers say

These pages host public comments about Boldin. This review links them and does not quote comments or invent a star rating.

On Reddit, r/ChubbyFIRE has a thread asking whether Boldin, formerly NewRetirement, was worth the annual price.

Trustpilot hosts reviews of www.boldin.com.

Ditchnet Forum has a thread titled Can anyone share an honest Boldin retirement software review?.

Separately, Boldin prints a rating on its own pricing page: 5/5 from 5,295 reviews, per Boldin's pricing page, Nov 12, 2026. That figure is Boldin's, on Boldin's pricing page, not a rating calculated for this review.