Boldin product updates

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

On December 1, 2025 we restored the Deductible option for One-Time-Expenses from taxable accounts.
On December 4, 2025 we added a new toggle feature which allows you to switch between viewing Debt charts on a monthly or annual basis.
On December 18, 2025 we renamed the Estate Planning section to Goals.
On December 19, 2025 we released an update to the taxable account model. This revision aims to improve clarity, ease of use, and accuracy.
On December 22, 2025 we removed the inflation and wage growth toggles on the Monte Carlo Explorer.
On December 31, 2025, we updated global data, including tax brackets and rates, standard deductions, IRMAA thresholds, Medicare premiums, retirement plan contribution limits, and Social Security earnings and benefit parameters.
On December 22, 2025 we updated how Monte Carlo results are evaluated.
- Previously, a Monte Carlo run was considered successful if your projected savings were $0 or greater at your goal age, even if savings dropped below $0 at some point earlier in the projection.
- Now, a Monte Carlo run is considered successful only if your projected savings never drop below $0 in any year of the forecast. If savings go below $0 at any point, that run is counted as unsuccessful.

On November 13, 2025 we released an update to the One-time Expense feature to give you greater flexibility and precision in managing the major expenses in your future.
On November 4, 2025, an update to our current-year tax model was released. This update addresses an issue where tax payments for the current year may have been overstated if a conversion or other taxable event happened late in the year. Estimated tax payments for the current year will now be adjusted proportionally based on taxable income from both previous and remaining months. For future years, payments will continue to be spread evenly throughout the year.

On October 28, 2025 we released a Plan accuracy metric that shows how well your financial plan is set up.
On October 27, 2025 we released an enhanced Net Worth Insight combining current & projected net worth and introducing historical net worth tracking.
On October 1, 2025 we released our Debt Explorer. This new feature allows you to more effectively organize and manage your debt as well as explore debt paydown methods.

On September 15, 2025 we updated the Roth Conversion Explorer Goal Based strategies to limit Roth conversion suggestions when they result in an unfunded One Time Expense, Disbursement, or Transfer. This makes the logic universal across both Goal and Rule Based strategies.
On September 15, 2025 we removed the restriction on Roth conversions prior to age 59.5 in the Roth Conversion Explorer.
On September 15, 2025 we updated Coach Alerts to use only the average forecast, enhancing their clarity and effectiveness.
On September 10, 2025 we released the Market Risk Explorer, allowing you to explore the impact of a market downturn on your plan.

On August 28, 2025 we released an enhanced Social Security Estimator, providing you with more accurate Social Security estimates based upon your income.
On August 13, 2025, we updated the algorithm for the Roth Conversion Explorer Tax Bracket Strategy, making it 5.8 times faster on average and more efficient.

Your personalized path to financial wellness starts here.