Of everything on this page, Boldin is the closest to what Rikdom does. Monte Carlo, Roth conversions, Social Security timing, healthcare and long-term care, and a plain-language AI to ask about any of it. This is not a comparison where we claim the other side is shallow, because it isn't. The difference is where the numbers come from, and what happens in the years before the plan starts.
What Boldin does well
Most "retirement calculators" ask four questions and draw a line. Boldin asks a few hundred and models taxes, Social Security, real estate, healthcare and long-term care against them. If you want to sit down for an afternoon and build a serious plan, it is a good place to do it.
Boldin runs probabilistic analysis and reports a chance of success, not a single line. Rikdom does the same thing at 10,000 paths.
Both do this wellBoldin AI answers what-if questions against your own numbers. Rikdom’s insights work the same way, querying your data rather than guessing.
Both do this wellRoth conversion explorer, tax projections, claiming strategy. Both products take this seriously and neither is a toy.
Both do this wellBoldin’s pricing page lists no bank or brokerage connection. The plan is as current as the last time you sat down and updated it.
Rikdom differsPlanning vs. running
Boldin is where you go to decide. That is a real job and it does it well. But between the afternoons you spend planning, there are about three hundred and sixty other days, and those are the ones that decide whether the plan happens. Did the transfer land. Is this month unusual or is it the new normal. Did the card balance creep. Rikdom runs those days, then projects from what they actually produced.
Banks through Plaid, brokerages through SnapTrade, property values through RentCast. Balances arrive on their own, so the projection is current when you open it.
Transactions, categories, cash flow, recurring detection, runway. The part of money management that happens every week rather than every quarter.
Rikdom scans holdings for harvestable losses and tracks wash-sale windows. A planning tool can model the tax; it cannot find the lot.
When net worth moves, Rikdom says how much of it you put there and how much the market did, with the employer match on its own line.
Feature by feature
| Capability | Boldin | Rikdom |
|---|---|---|
| Planning | ||
| Monte Carlo projections | ✓ | ✓ |
| Roth conversion analysis | ✓ | ✓ |
| Social Security optimization | ✓ | ✓ |
| Withdrawal strategy modeling | ✓ | ✓ |
| Healthcare & long-term care | ✓ | ✓ |
| Plain-language AI | ✓ | ✓ |
| Where the data comes from | ||
| Bank sync (Plaid) | — | ✓ |
| Brokerage sync (holdings + cost basis) | — | ✓ |
| Property auto-valuation | — | ✓ |
| Contributions separated from market | — | ✓ |
| Day to day | ||
| Transaction categorization | — | ✓ |
| Zero-based envelope budgeting | — | ✓ |
| Cash flow tracking | — | ✓ |
| Recurring detection | — | ✓ |
| Portfolio | ||
| Tax-loss harvesting detection | — | ✓ |
| Rebalancing alerts | — | ✓ |
| Community benchmarks | — | ✓ |
| Pricing | ||
| Free tier | Yes — Basic | — |
| Annual cost | $144 PlannerPlus | $140 |
Contributions vs. market
Every projection on either side of this page begins from two numbers: what you have, and what you add each year. Get the second one wrong and the chance-of-success figure is wrong with it, quietly and by a lot. Payroll is where it usually goes wrong, because a 401(k) deduction never passes through a bank feed, so the obvious arithmetic files it under market growth. Rikdom measures what you actually contributed, keeps the employer match on its own line, and feeds that into the projection rather than asking you to remember it.
The math
Boldin PlannerPlus is $144 a year. Rikdom is $140. At that distance price isn't the argument, and we won't pretend it is. Boldin also has a free tier, and if a retirement plan is genuinely all you need, start there. The question is whether you want the plan and the month in one place, or a planner you visit and something else for the other three hundred and sixty days.
Boldin pricing and features verified against boldin.com on 20 September 2026 — PlannerPlus $144/yr after a 14-day trial, Basic free. Some 2026 sources still cite $120/yr; $144 is what their pricing page shows. Plans change, so check before deciding.