Retirement planning is more than running the numbers once and hoping for the best. Boldin's PlannerPlus gives you the depth, flexibility, and tools to model your financial future with real confidence, and adjust as life changes. Here are 10 reasons to upgrade.
1. You get unlimited access to Boldin AI
The free planner includes limited AI conversations. PlannerPlus unlocks unlimited access to Boldin AI — so you can ask questions about your plan, model scenarios, and get personalized guidance whenever you need it.
2. You control your plan assumptions
Every retirement projection rests on assumptions about investment growth, wage increases, and inflation. With PlannerPlus, you're not locked into defaults. You can set your own investment rate of return assumptions to match your expectations and risk tolerance.
3. Tax modeling is specific to where you live
The free planner uses a blended tax model. PlannerPlus models your tax projections based on your actual state of residence, giving you a more accurate picture of what you'll owe. You can even model what relocating would do to your tax situation.
4. You can build and compare multiple scenarios
What if you retired two years earlier? Claimed Social Security later? Moved to a lower cost-of-living state? PlannerPlus lets you create and manage up to 10 scenarios, then compare up to three side by side — so you can see how different decisions change your outlook before you make them.
5. You can create a detailed budget
The PlannerPlus Detailed Budgeter guides you through building a comprehensive picture of your spending — broken out by time period and frequency. If your expenses in retirement won't look like your expenses today, this is where you model that reality.
6. You can link your financial accounts
Connect your accounts, debts, and property to your financial institutions and Boldin keeps your balances current automatically — no manual updates needed.
7. You can explore Roth conversion strategies
The Roth conversion explorer helps you model tax-efficient Roth conversion strategies and see how different approaches affect your lifetime tax liability and estate value at longevity. This is one of the most valuable tools available for people with significant pre-tax savings. Not on PlannerPlus yet? Try the free Roth conversion calculator to get a sense of what's possible.
8. You can print your plan and export your data
Generate a PDF of your plan — using average, optimistic or pessimistic assumptions — to share with a spouse, advisor, or accountant. You can also export your data for use in your own spreadsheets and reports.
9. You get access to the full Insights Library
PlannerPlus unlocks 25+ detailed charts and reports, giving you a richer view of how your plan is performing across different scenarios and time horizons.
10. You get deeper visibility into your taxes
View estimated taxes, gross taxable income by source, and other detailed tax charts — so you understand not just what you'll accumulate, but what you'll actually keep.
Not on PlannerPlus yet? Start your 14-day free trial — $144/year after that, cancel anytime. Want a personalized walkthrough of your plan? Book a coaching session.