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; purchases carry the stated 30-day money-back guarantee.

Does Meridary connect to financial accounts?

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

Comparison

Meridary vs Boldin

Boldin offers a broad planning toolbox with connected accounts and many controls. Meridary offers a narrower guided plan with manual entry and a lifetime or monthly purchase choice.

By Steven, Founder · Updated September 2, 2026

Short answer

Choose Boldin for a free starting tier, connected accounts, and a wider set of planning controls.
Choose Meridary for a guided U.S. model with two-earner wages, manual account entry, and the option to buy a lifetime license.
Both model retirement across years; their scope, setup, and pricing models differ.

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 deliberately supports fewer household and tax details. It models 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.

Choose Meridary when a bounded model is preferable

Meridary is the stronger fit when the supported household shape matches yours, you prefer to enter account values yourself, and you want the assumptions and model limits kept visible. The lifetime option avoids a required recurring payment; the monthly option is available for buyers who prefer one.

What neither comparison can decide

The longer feature list is not automatically the better fit. The deciding questions are whether each tool models your household accurately, whether you will maintain the inputs, and whether you can explain the assumptions behind the result.