Boldin's best features cost $144/year. IfISaved offers retirement projections, Social Security modeling, Roth conversion analysis, and a full suite of personal finance tools — free to use, with a low-cost option for automatic data sync via Plaid.
Try IfISaved →Both tools focus on retirement planning — here's how they compare across the full feature set.
| Feature | IfISaved Free + Plaid* | Boldin Free / ~$144/yr |
|---|---|---|
| Price | Free + Plaid* | Free / ~$144/yr (Plus) |
| Retirement Projection | ✓ | ✓ |
| Social Security Modeling | ✓ | ✓ |
| Roth Conversion Analysis | ✓ | ✓ |
| Monte Carlo Simulations | ✗ | ✓ |
| Budget Tracking | ✓ | Limited |
| Investment Tracking | ✓ | ✓ |
| Net Worth Dashboard | ✓ | ✓ |
| Debt Payoff Planner | ✓ | ✗ |
| Property Tracking | ✓ | ✓ |
| Bank Sync | Plaid* | Plaid |
| Partner / Advisor Sharing | ✓ | Advisor tier |
| No Ads | ✓ | ✓ |
| Free Option Available | ✓ | Limited |
* The full app is free. Automatic transaction updates via Plaid are available for a low monthly fee. Manual entry is always free.
Boldin goes deeper on retirement modeling — here's where IfISaved stands and where it adds value Boldin doesn't.
IfISaved projects your retirement savings year-by-year using your current balances, contribution rates, expected returns, and inflation. Boldin's advanced planning tools require a PlannerPlus subscription at ~$144/yr.
Both tools factor in Social Security. IfISaved lets you model different claiming ages and include a spouse's benefit — essential for retirement income planning.
IfISaved includes a Roth conversion analysis to model the long-term tax impact of converting traditional IRA funds to Roth — a key strategy for tax-efficient retirement income.
Boldin is focused on retirement planning, not day-to-day budgeting. IfISaved handles both — your monthly budget and your 30-year retirement outlook in the same app.
Boldin doesn't model debt payoff strategies. IfISaved's planner lets you compare avalanche vs. snowball and see exactly how paying down debt now accelerates your retirement timeline.
Boldin's PlannerPlus offers Monte Carlo simulations, more detailed tax scenario modeling, and a professional advisor network. For very complex retirement situations, Boldin may offer greater depth.
IfISaved gives you powerful retirement projections alongside budgeting, investments, and debt planning — all in one app that's free to use.
IfISaved covers the core retirement planning tools most people need: year-by-year projections, Social Security integration, Roth conversion modeling, and contribution tracking. Boldin PlannerPlus goes further with Monte Carlo simulations and detailed tax scenario modeling. For complex situations, Boldin may offer more depth.
Yes — IfISaved's retirement planner includes a spouse option for Social Security benefits and joint retirement income planning. Profile sharing also allows both partners to view the plan.
No — IfISaved is a self-service planning tool, not personalized financial advice. For complex retirement situations, taxes, or estate planning, a qualified financial advisor is always recommended.
Yes. Bank connections use Plaid, the industry standard for secure financial data access. IfISaved never stores your bank credentials. You can delete your account and all data at any time.
Projections, Social Security modeling, Roth conversion analysis, and a full budgeting suite — free to use, with optional low-cost Plaid sync.
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