Boldin (NewRetirement) alternative
Retirology vs. Boldin
Boldin — formerly NewRetirement — is one of the best-known online retirement planners, with a free tier, a paid PlannerPlus plan and optional advisors. Retirology is a desktop app you buy once that keeps your plan off the internet. Here's how they compare.
Updated October 2026
The short version
| Retirology | Boldin | |
|---|---|---|
| Price | $19+ once; every update free | Free Basic; PlannerPlus $168/year for new subscribers from Oct 15, 2026 ($144 before) |
| 10 years of use | $19–$65 total | $1,680 for PlannerPlus |
| Where it runs | Desktop app — macOS, Windows, Linux | Online, with an account |
| Account linking | No — you enter balances; nothing leaves your computer | Yes, through account aggregators (PlannerPlus) |
| Monte Carlo | Yes, normal and historical, plus stress tests | Yes (PlannerPlus) |
| Roth conversions | 4 ladder modes, per-conversion 5-year clock, ACA-aware | Roth conversion explorer |
| State taxes | All 50 states + DC, 2026 retirement exclusions by age | State and federal tax projections (PlannerPlus) |
| Human advice | No | Optional paid advisor plans |
Boldin details are from its public pricing page as of October 2026. Check boldin.com for current plans.
Where Retirology is different
- No subscription, ever. Pay once from $19 and get every future version, including the yearly tax refresh.
- No account and no aggregator. Your balances, income and plans live in one file on your computer. There's no login to breach and no financial credentials to hand over.
- Early-retirement depth. Roth ladders that respect the 2026 ACA subsidy cliff, 72(t) SEPP sizing, the Rule of 55, IRMAA, survivor years and every state's age-based retirement breaks — modeled together, year by year.
- One-click optimization. Optimize my plan tests your ladder, ACA target and SEPP together and explains each recommendation in after-tax dollars.
When Boldin is the better choice
- You want balances to update automatically from your bank and brokerage accounts.
- You want access from any device, or a document vault for your financial paperwork.
- You'd like the option of a session with a human advisor.
Common questions
How much does Boldin PlannerPlus cost?
Boldin's pricing page lists PlannerPlus at $144 a year, rising to $168 a year for new subscribers from October 15, 2026. The Basic plan is free; Monte Carlo and the Roth conversion explorer are PlannerPlus features.
Is Boldin the same as NewRetirement?
Yes. NewRetirement renamed itself Boldin.
Does Retirology link to my bank accounts?
No. You enter balances yourself, which takes a few minutes and means no financial credentials or account data ever leave your computer.