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RetIQ vs Boldin

Boldin (formerly NewRetirement) is a broad planning platform with an advisor marketplace. RetIQ is a one-time purchase that runs on your device.

Where they differ

Ownership

RetIQ is bought once ($29–$49 depending on when in the trial) and kept, including updates. Boldin is a subscription, so the cost recurs for as long as you use it.

Where the plan lives

RetIQ keeps your plan in your browser or on your iPhone. There is no account and no cloud copy. Boldin is account-based, which is what makes sharing with an advisor straightforward.

Advice

Boldin can connect you with a human advisor. RetIQ does not offer advice at all; it is a model you read yourself.

Where Boldin goes further

Human advice and coaching, if that is what you want.
A broader built-in content library and guided workflows around the platform.
Account-based access from any device without exporting a file.

Where RetIQ is the better fit

You want to pay once and keep the tool for decades.
You would rather your financial details never sit on someone else's server.
You want one integrated projection — taxes, IRMAA, ACA, RMDs, survivor, legacy — without assembling it from modules.

Pricing and features change; check Boldin's site for current details. RetIQ is not affiliated with Boldin.

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