Can I try Boldin or Meridary before paying?

Boldin lists a free Basic tier and a 14-day PlannerPlus trial. Meridary has no free tier or trial. Lifetime purchases include a 30-day money-back guarantee from the day you buy; monthly subscriptions do not. Monthly cancellation stops future charges, but unused days in the current period are not refunded.

Does Meridary connect to financial accounts?

No. Meridary uses manual account entry. Boldin lists account linking through supported aggregators on PlannerPlus.

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retirement planning software comparison

Meridary vs Boldin

Boldin offers a broad planning toolbox with connected accounts and many controls. Meridary helps you explore when retirement may be possible by comparing savings, spending, and retirement-age scenarios in a guided U.S. planner.

By Steven, Founder · Updated October 14, 2026

Short answer

Choose Boldin for a free starting tier, connected accounts, and a wider set of planning controls.
Consider Meridary to compare retirement timing under different savings and spending assumptions, with manual accounts and two-earner wages.
Both model retirement across years. Results are estimates; check household and tax coverage before choosing a tool.

The central difference

Boldin's official PlannerPlus page lists 250-plus inputs, linked accounts through three aggregators, federal and state tax projections, Roth conversion analysis, Monte Carlo analysis, and multiple scenarios. PlannerPlus is $144 per year after a 14-day trial, while Basic is free.

Meridary models income, savings, spending, and taxes year by year so you can examine how changes affect a retirement scenario. It supports two-earner wages, one Social Security benefit and its taxation, federal tax plus a flat state rate, RMDs, Roth conversions, IRMAA, ACA premiums, and market uncertainty. Its federal-tax path is checked against an independent oracle across 1,728 scenarios, with the exact scope published on its validation page. It costs $149–$199 once for a founding lifetime license or $12 per month.

Choose Boldin when breadth matters most

Boldin is the stronger fit when you want connected accounts, many adjustable inputs, detailed state-and-federal projections, numerous charts, and a free tier before deciding whether to subscribe.

Consider Meridary to explore your retirement timing

Meridary fits when you want to compare how saving more, changing spending, or retiring at another age affects your modeled outlook. You enter account values manually and choose a planning confidence target to explore the earliest modeled retirement age that meets it, if any. Those results depend on your inputs and the model's limits; they are estimates, not financial advice or a promise that you can retire.

What neither comparison can decide

The deciding questions are whether each tool covers your household, whether you will maintain the inputs, and whether you can explain the assumptions behind the estimate. Meridary does not link accounts or model state-specific tax rules, and it supports only one Social Security benefit. Boldin details reflect the cited source access dates; check its latest terms before buying.