Boldin product updates

Every improvement, fix, and new feature — as it ships.

Coming soon

These are in active development — a preview of what’s headed your way.

Boldin AI (Beta). Still in beta, still growing. We’re refining how Boldin AI answers and sounds as we work toward making it a core part of your planning experience.
Investments: Today Concentration risk insights. See at a glance when a single holding or asset class makes up a large share of your portfolio.
Investments Today: Allow users to enter shares. Enter your holdings by number of shares instead of dollar value.
Investments: Future Explore investment strategies where risk stays the same, increases, or decreases after the retirement “risk zone” side by side. Then, create a scenario with the strategy you choose with our “Apply to Plan” functionality.
Plan sharing. Planning is better together. Invite your spouse, partner, financial advisor, or trusted contact to view or edit your Boldin plan. They get their own login, so you never have to share yours, and you stay in control of your subscription and account linking.
Gift a membership. Soon you’ll be able to give the gift of confidence in retirement with a one-year Boldin membership.

Want to stay ahead of every update? Sign up for our newsletter and join the beta program to get early access to new features before they ship.

NIIT. As of October 28, 2026, your plan calculates the 3.8% Net Investment Income Tax (NIIT) on investment income when your income exceeds the threshold for your filing status, making your projections more accurate. Learn whether you’re subject to NIIT →
Investments Today: Fund fee insights. As of October 22, 2026 you can see the fees you’re paying across your investments, learn how they impact your plan, and explore strategies to lower your investment expenses. Check out your fees →
Investments Today: Tax Diversification Insights. As of October 22, 2026 you can view how you’re invested across tax types, which assets you hold in each type of account, and learn ways to increase your tax diversification and efficiency. View your your mix →
10% early withdrawal penalty. As of October 15, 2026, Boldin’s projections include the 10% additional tax on retirement account withdrawals taken before age 59½, so your plan reflects the true cost of tapping savings early.

Investments: Future. Released September 24, 2026, this PlannerPlus feature lets you explore investment strategies aligned with your Risk Profile and Life Stage. Take (or retake) the Risk Tolerance Survey, then compare strategies side by side. Explore-only for now; Apply to Plan is coming soon. Find it in the left menu, right after Investments: Today. Check out your strategies →
Document Vault. Released September 17, 2026, this PlannerPlus feature gives you a secure, AES-256 encrypted space to store essential financial documents — tax returns, insurance policies, estate documents, and more — directly within Boldin. Boldin AI can then parse and reference these files to answer questions and give your plan greater depth and context. Add documents to your Vault →
Planner Score. Released September 17, 2026 to all new users. Planner Score is a points-based reflection of how complete and active your Boldin plan is. It lives as a bar at the top of your planner: collapsed, it shows your score and a progress bar; expanded, it shows what’s driving your score and next actions you can take, each worth points. The more of your plan you complete, the more your score grows.
Investments: Today. Released September 2, 2026. See exactly how your money is allocated across every account, and whether it matches your Risk Profile. View your Allocation and learn how it compares to your Risk Profile →

As of August 4, 2026, Boldin AI can now make changes to your plan. Ask it to update your data, adjust assumptions, or add new accounts — and watch your projections update in real time. Keeping your plan current has never been easier.
On August 3, 2026, we updated HSA transfer logic so that HSA-to-HSA transfers are now treated as account rollovers and no longer generate a tax deduction. Only direct contributions and transfers from non-HSA account types to an HSA will result in a tax deduction.

As of July 29, 2026, the “Wisconsin retirement income subtraction” tax logic now takes spouse-specific income into account. Each year in the simulation, Wisconsin-taxable income is now tracked independently for Primary and Spouse so that when only one of them is eligible for the tax break, the calculation is based exclusively on their taxable income.
As of July 16, 2026, the Roth conversion opportunity metric assumes conversion taxes are paid from non-retirement funds.
On July 6, 2026, we released View Full Plan. A single, document-style view of your entire financial plan — key numbers, charts, and tables organized in one place, with insights and context woven throughout to help you understand what you’re looking at and what it means for your future.