Every scenario in your plan starts from the same present. Things that are true today — your account balances, marital status, and primary residence — are facts, and they're shared across every scenario. Things you're exploring — when you retire, what you spend, how you claim Social Security — are assumptions, and you can change them in each scenario.
That's what makes side-by-side comparisons meaningful: every scenario models a different future from the same honest starting point.
Your plan starts with one scenario, and you can add up to 9 more. You can reassign any scenario as your baseline, but you must always have one baseline scenario.
To delete all of your data and start onboarding again, select your initials in the top right corner of your plan, choose Your Profile, and scroll down to Reset Plan Data.
Marital status and spouse information are shared across all scenarios. If you're planning as a single user, you can change your longevity age and related settings by scenario.
My Plan > Summary
You may change retirement and longevity ages by scenario.
My Plan > Assets and Debts
Which fields are shared in Savings?
Account Name
Account Type
Current Balance
Tax Treatment
Cost Basis
Account Turnover Rate
Because these fields are shared, a change to an account in one scenario is reflected in all scenarios. This includes taxable, tax-deferred, and tax-free accounts.
Rate of return assumptions are different: you can adjust them by scenario to test different portfolio strategies. Rates are applied per account, so each account follows its own rate — including when you choose an optimistic or pessimistic outlook.
Because these fields are shared, a change to an account in one scenario is reflected in all scenarios. This includes taxable, tax-deferred, and tax-free accounts.
Rate of return assumptions are different: you can adjust them by scenario to test different portfolio strategies. Rates are applied per account, so each account follows its own rate — including when you choose an optimistic or pessimistic outlook.
⚠️ Deleting an account deletes it everywhere Because accounts are shared, deleting a savings account in any scenario — including a duplicate — removes it from your baseline and all other scenarios. To model an account being spent down or closed in just one scenario, use a one-time expense instead (see below). |
Which fields are shared in Non-mortgage debts?
Account Name
Type of Debt
Amount
Interest Rate
You may change the monthly payment assumption by scenario.
How to model a different account balance in a specific scenario
Because account balances are shared, you can't directly change a balance in just one scenario. But you can get the same effect with a one-time expense or a windfall.
Add a One-time expense in that scenario (My Plan > Expenses and Healthcare > One-time expenses).
Set the timing to when the balance reduction would happen.
If the reduction comes from a tax-deferred account, select the Deductible option. The Deductible option doesn't apply to after-tax accounts.
To simulate a higher balance in one scenario:
Add a Windfall in that scenario (My Plan > Income > Windfalls and Passive Income).
Set the timing to when the extra money would arrive.
Enter the amount you'd have after taxes.
Either way, the change applies only to that scenario — your baseline and other scenarios stay untouched.
💡 Tip: Windfalls are post-tax Boldin treats all windfalls as post-tax. If the money would actually be taxable — like a bonus or a business sale — enter the net amount after taxes. |
My Plan > Home and Real Estate
Which fields are shared in Primary Residence?
All selections related to your primary residence are shared across scenarios, except rent, mortgage payment, and interest rate — you may change those by scenario.
Which fields are shared in Other Owned Real Estate?
Name
Current Value
Mortgage Balance
You may change the mortgage payment and interest rate by scenario.
My Plan > Income
Which fields are shared in Work? None
You may change income streams, amounts, start and end dates, growth.
Which fields are shared in Social security? None
You may change Full Retirement Age benefit, claiming age, and COLA.
Which fields are shared in Pension? None
You may change income streams, amounts, start and end dates, and COLAs.
Which fields are shared in Annuity? None
You may change pension types (monthly or lump sum), income streams, amounts, start and end dates, and COLAs.
Which fields are shared in Windfalls and Passive Income? None
My Plan > Expenses and Healthcare
Which fields are shared in Expenses and Healthcare? None.
My Plan > Money Flows
Which fields are shared in Money Flows? None.
My Plan > Rate Assumptions
Which fields are shared in Rate Assumptions? None.
Tips for Effective Scenario Management
Regularly update your Baseline Plan to serve as an accurate foundation for new scenarios.
Leverage the ability to adjust scenario-specific rates (e.g., mortgage rates) to model various outcomes.
Use simulated one-time expenses to strategically manage balance changes effectively.
How your baseline and scenarios work together
Shared fields — like account balances, marital status, and primary residence details — stay in sync across your baseline and every scenario. Everything else, including income, expenses, Money Flows, and rate assumptions, belongs to the scenario where you entered it.
So changing your retirement age in a scenario won't change your baseline, and updating income in your baseline won't change existing scenarios.
When a fact changes in real life, update it once and it flows everywhere. When you're testing an idea, duplicate your baseline and make the change there.
Tips for effective scenario management
Keep your baseline current so every new scenario starts from an accurate foundation.
Duplicate your baseline before testing a new idea.
Use scenario-specific settings, like mortgage rates or rates of return, to compare outcomes.
Use a one-time expense or windfall to model a balance change in a single scenario.
FAQs
Can I have multiple plans within Boldin?
No. Each subscription includes one plan. Scenarios within that plan are how you compare different future actions.
Why can't I change account balances in just one scenario?
Because your balance today is a fact, not an assumption. If each scenario could start from different balances, you'd be comparing different starting points instead of different decisions. Use a one-time expense or windfall to model a balance change in a future year.