About
Boldin, formerly known as NewRetirement, is the #1 online retirement planning tool designed for individuals who want to take control of their financial future. Unlike basic retirement calculators, Boldin provides a panoramic view of your finances — factoring in taxes (state modeling, itemized deductions), income sources (Social Security, pensions, annuities, employment), real estate transactions, debt management, healthcare costs (Medicare, long-term care), and personalized life goals. At its core is the Boldin Financial Planner, a sophisticated engine backed by thousands of calculations that supports Monte Carlo analysis, cash flow projections, and real-time financial monitoring. The platform's AI Planner Assistant allows users to ask questions in plain language and receive answers powered by their own financial data, making complex planning accessible to everyone. Users can calculate unlimited 'what if' scenarios — such as retiring three years early, doing a Roth conversion, or selling a home — and instantly see the impact on their long-term plan. Boldin also offers classes, community forums, 1:1 coaching sessions, and access to Certified Financial Planners (CFPs) for those who want additional guidance. Boldin is ideal for pre-retirees, current retirees, and anyone serious about financial independence. Its DIY-first approach empowers users to make confident, informed decisions without always needing a traditional financial advisor.
Key Features
- AI Planner Assistant: Ask financial questions in plain language and get instant answers powered by your own financial data and projections.
- 360° Financial Modeling: Incorporates taxes, Social Security, pensions, real estate, debt, Medicare, long-term care, and dozens of other factors for a complete financial picture.
- Unlimited 'What If' Scenarios: Model any scenario in real time — early retirement, Roth conversions, home sales, new income streams — and instantly see the impact on your plan.
- Monte Carlo Analysis & Visualizations: Access premium-grade cash flow projections, probability analyses, and visual insights to understand the range of possible financial outcomes.
- Coaching, Classes & CFP Access: Supplement DIY planning with community classes, group forums, 1:1 coaching, and access to Certified Financial Planners through Boldin Advisors.
Use Cases
- A 55-year-old professional wants to determine if they can retire three years early by modeling reduced income, Social Security timing, and healthcare costs until Medicare eligibility.
- A couple approaching retirement uses Boldin to compare the long-term impact of different Roth conversion strategies on their tax burden over a 30-year horizon.
- A first-time planner in their 40s sets up a comprehensive financial model to balance paying off a mortgage, saving for college, and building retirement savings simultaneously.
- A retiree uses real-time monitoring and Monte Carlo analysis to stress-test their withdrawal strategy against market downturns and inflation scenarios.
- A financial coach uses the Boldin Professionals platform to build and manage detailed plans for multiple clients, leveraging scenario modeling and visualization tools during consultations.
Pros
- Comprehensive & Holistic Planning: Covers far more financial factors than typical retirement calculators, giving users a truly panoramic view of their financial life.
- AI-Powered Natural Language Queries: The AI Planner Assistant makes complex financial modeling accessible to non-experts by allowing conversational interaction with your own data.
- Real-Time Monitoring & Alerts: Continuously tracks your financial health and proactively notifies you of opportunities or errors in your plan so you can act quickly.
- Expert Support Options: Offers a spectrum of support from self-service tools to live coaching and CFP consultations, accommodating all levels of planning confidence.
Cons
- Steep Learning Curve: The breadth of financial variables and features can feel overwhelming for users who are new to detailed financial planning.
- Premium Features Require Paid Plan: Advanced tools like Monte Carlo analysis, detailed tax modeling, and unlimited scenario planning are locked behind the paid PlannerPlus subscription.
- US-Focused: The platform is built around US financial instruments (Social Security, 401k, Medicare), making it less useful for international users.
Frequently Asked Questions
What is the difference between NewRetirement and Boldin?
NewRetirement rebranded to Boldin. The platform, features, and team remain the same — Boldin is simply the updated name for the same comprehensive financial and retirement planning software.
Is Boldin free to use?
Boldin offers a free tier with core planning features. A paid PlannerPlus subscription unlocks advanced capabilities such as Monte Carlo analysis, detailed tax modeling, and unlimited 'what if' scenario planning.
How does the AI Planner Assistant work?
The AI Planner Assistant lets you ask financial questions in plain language — such as 'Can I retire at 60?' or 'What happens if I do a Roth conversion?' — and generates answers grounded in your actual financial data and projections.
Do I need a financial advisor to use Boldin?
No. Boldin is designed as a DIY-first platform that empowers users to plan independently. However, optional 1:1 coaching and access to Certified Financial Planners (CFPs) are available for those who want professional guidance.
What financial factors does Boldin model?
Boldin models a wide range of factors including taxes (federal and state), Social Security, pensions, annuities, real estate, debt (mortgages, student loans), Medicare, long-term care costs, investment portfolios, and personal goals and spending.
