AI Financial Plan vs. Boldin (formerly NewRetirement)

Boldin (formerly NewRetirement) is a popular DIY retirement planning platform offering interactive calculators and planning tools. AI Financial Plan takes a different approach with deterministic engines and AI-powered explanation. Here is how they compare.

Feature Comparison

Feature	AI Financial Plan	Boldin
Approach	Guided conversational onboarding + deterministic engine	Self-directed interactive calculators and dashboards
Monte Carlo simulation	10,000 scenarios, historical distributions	Available in PlannerPlus tier
Social Security optimization	Full current-law modeling with breakeven analysis	Claiming strategy comparison tool
Tax strategy	Withdrawal sequencing + Roth conversion windows	Tax-aware withdrawal planning
Insurance analysis	LTC self-insurance feasibility + pension comparison	Healthcare cost modeling
Estate planning	CRAT analysis + document checklists	Estate planning basics
Learning curve	Guided conversation — no financial expertise needed	Requires self-directed exploration of tools
Output format	Comprehensive report with AI-generated explanations	Interactive dashboards and scenario comparisons

Pricing

AI Financial Plan

$89 one-time or $99/year

All 8 modules included at every tier.

Boldin

Free basic / $120-$240/yr PlannerPlus

Advanced features (Monte Carlo, tax) require PlannerPlus.

Bottom Line

Boldin excels as a hands-on planning tool for users who enjoy exploring scenarios themselves. AI Financial Plan is designed for users who want comprehensive analysis delivered to them with clear explanations, without needing to learn planning software. The approaches serve different user preferences.

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This page 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. Feature descriptions are based on publicly available information and may not reflect the most current offerings; AI Financial Plan is not affiliated with any competitors mentioned. Pricing is approximate and subject to change. You should consult with a qualified professional before making financial decisions. Past performance and projected outcomes are not guarantees of future results.