AI Financial Plan vs. Boldin in 2026: Which One Is Right for You?
I built AI Financial Plan after years as a CFP, so I have a bias. But I've also used Boldin. Here's a feature-by-feature comparison of what each does well — and which situations each fits best.
Disclosure: We have a financial interest in AI Financial Plan (myaifinancialplan.com), one of the products compared in this article. This article was written by AIFP's founders and is not an independent third-party review. Boldin (formerly NewRetirement) focuses on self-directed retirement planning with a strong planning interface. AI Financial Plan provides automated comprehensive analysis including Social Security optimization, LTC self-insurance modeling, and tax withdrawal sequencing in a conversational workflow. Pricing: Boldin starts at $120/year; AIFP at $89 one-time for a full Snapshot analysis (or $99/year for ongoing access).
What Does Boldin Actually Offer?
Boldin (formerly NewRetirement) is a self-directed retirement planning platform aimed at DIY planners. Key strengths: a detailed multi-account modeling interface, scenario comparison tools, and an active user community forum.
Boldin's PlannerPlus tier ($120/year) adds advisor access, enhanced Monte Carlo, and Roth conversion analysis. The platform requires users to input and update their own data, run their own scenarios, and interpret results independently.
Where Boldin excels: users who enjoy iterative scenario-building and want deep control over every assumption. The interface rewards engagement over time — the more you update it, the more useful it becomes.
What Does AI Financial Plan Offer?
AI Financial Plan takes a different approach: comprehensive automated analysis from a conversational onboarding workflow, without requiring users to learn a planning interface.
The analysis engine covers retirement readiness (10,000-scenario Monte Carlo), Social Security optimization (current law, all claiming strategies), Roth conversion windows, tax withdrawal sequencing (SECURE 2.0 compliant), LTC self-insurance threshold analysis, asset allocation, and estate planning checklist — all generated from a single data-gathering conversation.
Where AIFP excels: users who want comprehensive quantitative analysis without the learning curve of a planning tool, and those who want a full-picture analysis in one session rather than iterative self-modeling.
Which Approach Fits Which User?
Boldin is likely a better fit for: households that enjoy iterative scenario modeling, those who want to update and track projections over years, and people who find value in Boldin's community and advisor access.
AI Financial Plan is likely a better fit for: people who want a thorough, single-session quantitative analysis; those who don't want to manage a planning tool long-term; and those who need specific calculations (particularly LTC self-insurance modeling and detailed Social Security optimization) that are handled automatically rather than requiring manual input.
Many users use both: a planning tool like Boldin for ongoing tracking, and a dedicated analysis service for comprehensive initial or annual reviews.
Want to See AI Financial Plan in Action?
More modules than Boldin. AI coaching included. Starts free — no subscription required to see your results.
Run your full analysis at myaifinancialplan.com: Monte Carlo success rate, Social Security optimization, Roth conversion window, LTC self-insurance analysis, and withdrawal sequencing. One session. About 20 minutes.
Terms in This Article
Browse Full Glossary →This article is for educational and informational purposes only. It does not constitute investment advice, financial planning advice, or a recommendation to buy or sell any security. AI Financial Plan is not a registered investment adviser, broker-dealer, or financial planner. You should consult with a qualified professional before making financial decisions. Past performance and projected outcomes are not guarantees of future results.
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