See your retirement plan. Down to the year, down to the dollar.
From net worth modeling to Monte Carlo, Roth conversions, and Social Security, Boldin shows you where you stand and what to do to retire on your terms. Trusted by 250,000+ planners.
- Monte Carlo
- Roth conversions
- Tax strategy
- Social Security
- Linked accounts
Free to start. Upgrade only if Boldin pays for itself.
Creation
Set up your accounts, target retirement age, and income needs. Connect real balances or sketch the basics in minutes.
Analysis
Run Monte Carlo projections, see chance of success, and view a year-by-year forecast of net worth, income, and taxes.
Optimisation
Test Roth conversions, withdrawal order, and Social Security timing. Save unlimited what-ifs and pick the plan that wins.
Six things every plan should answer, all in one place.
Personalized dashboard
A single live view of your net worth, savings rate, and projected retirement year that updates with every change.
Monte Carlo projections
Run thousands of market scenarios so you know exactly how likely your plan is to last, not just the average.
Roth Conversion Explorer
Model multi-year conversion strategies and see the lifetime tax savings before you commit a dollar.
Tax and withdrawal strategies
See the order to draw from accounts so you keep more of what you have saved.
Social Security Optimizer
Test claim ages and spousal strategies to find the timing that maximizes lifetime benefits.
Scenarios and what-ifs
Save multiple plans side by side. Retire 3 years earlier, downsize, work part-time. See what each path actually means.
Spreadsheets stop where Boldin starts.
| Capability | Spreadsheet | Boldin |
|---|---|---|
| Net worth model | Snapshot only | Live with linked accounts |
| Projections | Single line | Monte Carlo, thousands of paths |
| Taxes and withdrawal order | DIY math | Built-in strategies |
| Roth conversions | Manual modeling | Multi-year explorer |
| Social Security | Lookup | Optimizer with spousal scenarios |
| Plan revisions | Rebuild each time | Unlimited saved what-ifs |
What 13,000+ users say.
"Most comprehensive and usable calculator on the market. No one else is close."
"An excellent site and gives a lot of information. Much better than our financial advisor!"
"Great program with awesome financial planning features at a reasonable cost."
"I tell every friend I have about Boldin. It is literally life changing."
Common questions, answered.
How is Boldin different from a basic retirement calculator?
Do I need to be financially savvy to use it?
What is the minimum I need to start?
How does pricing work?
Can I link my real accounts?
What if I need help?
Your retirement plan, finally in one place.
Start with the basics. Add detail as you go. You will know more about your money in 20 minutes than most people do in 20 years.
Free to start. Upgrade only if Boldin pays for itself.