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Boldin, formerly NewRetirement, is a US retirement planner: you build a detailed retirement plan and test scenarios. The Basic plan is free; PlannerPlus ($144 a year, 14-day trial) adds Boldin AI, account linking, a Roth conversion explorer, tax projections and Monte Carlo analysis.
| Feature | Richify | Boldin |
|---|---|---|
| Net Worth Tracking (USD) | All assets & liabilities, ongoing | Inputs for a retirement plan |
| Retirement Plan Depth | Scenario presets | Detailed plan, 100+ inputs (PlannerPlus) |
| Monte Carlo | Outcome estimates | Yes (PlannerPlus) |
| Roth Conversion Planning | What-if scenarios | Roth conversion explorer (PlannerPlus) |
| Tax Projections | Country-native account rules | State & federal (PlannerPlus) |
| AI Assistant | Built-in AI (Felix) | Boldin AI (PlannerPlus) |
| Account Linking | Manual entry, privacy-first | Via aggregators (PlannerPlus) |
| Property & Mortgage in Net Worth | Built-in | Modeled in the plan |
| Mobile App | iOS & Android | Web planner (no app listed on its site) |
| Human Advice | No (educational only) | Boldin Advisors, $3,200 flat fee |
| Multi-Country Support | 7+ countries | US-focused |
| Pricing | Free trial, then paid plans | Free Basic; PlannerPlus $144/yr (14-day trial) |
The Verdict
Boldin is the better tool if you want a detailed retirement plan — Monte Carlo, Roth conversions and tax projections — and are happy working in a web planner. Richify is the better fit if you want to keep your whole net worth current day to day, on your phone, with AI explanations and age benchmarks. Many people planning for retirement use a planner like Boldin once a year and a tracker like Richify every month.
Last reviewed: · Reviewed by the Richify team
Track your net worth, run calculators, and get built-in AI insights — all in one app. Start with a free trial.
Try Richify — Free TrialYes. Boldin is the current name of NewRetirement; its site footer reads "NewRetirement, Inc. d/b/a Boldin".
Plans, accounts and the retirement planner carried over under the new name.
Boldin has a free Basic plan. PlannerPlus costs $144 a year with a 14-day free trial and adds Boldin AI, more than 100 extra inputs, account linking through aggregators, a Roth conversion explorer, state and federal tax projections and Monte Carlo analysis.
Boldin Advisors is a separate $3,200 flat-fee retirement plan checkup with a human advisor (prices as listed on boldin.com in October 2026).
For some people. Boldin is a retirement planner: you build a detailed plan and test retirement scenarios.
Richify is an everyday net worth tracker with AI explanations: it keeps all your assets and debts current and shows how you compare with people your age. If your main question is 'will my retirement plan work?', Boldin goes deeper; if it is 'where do I stand today and is it improving?', Richify is the better fit.
Boldin's PlannerPlus, which includes a Roth conversion explorer and state and federal tax projections. Richify models Roth conversions as what-if scenarios and frames accounts by their US rules (401(k), Roth IRA, HSA), but it is not a tax-projection engine.
Boldin's own site presents it as a web-based planner and lists no mobile app (checked October 2026). Richify has native iOS and Android apps.
Yes. A common split is Boldin for an annual retirement-plan review and Richify for keeping net worth, property and debts current through the year.
Neither gives personalised investment advice inside the app; Boldin sells human advice separately.
Comparison is educational only. Features and pricing may change. We strive for accuracy but recommend verifying directly with each service.
