Boldin plans the future.
Formation runs the present.
Boldin (formerly NewRetirement) is a serious retirement-planning engine — detailed projections, Roth-conversion exploration, withdrawal sequencing. But its inputs are largely manual and its world is the projection, not the live balance sheet. Formation is the always-current, cited picture of what you actually hold today — the truth a good plan needs underneath it.
No charge today · Cancel in two clicks · Founding price $199/yr, locked for as long as you stay
What Boldin does well
One of the deepest DIY planning tools available: granular Monte Carlo, a strong Roth-conversion explorer, Social Security timing, and detailed drawdown modeling. If you want to sit down and model a retirement in depth, Boldin is among the best — and we'll say so.
Feature by feature
Boldin
PlannerPlus
Formation
one plan · $199/yr founding
Boldin PlannerPlus pricing per boldin.com as of June 2026 and subject to change.
Plan vs. truth
A plan is only as good as the balance sheet under it.
Boldin projects decades forward from numbers you key in by hand. Formation keeps the present tense honest — every custodian linked, every entity tagged, every figure cited and current — so when you model the future (in Boldin or in Formation's own forecast), you're starting from what you actually hold today, not last quarter's manual snapshot. The two are complements; the live, cited present is the half Boldin doesn't own.
Common questions
Is Formation a good Boldin alternative?
Formation is built for households whose finances have outgrown a single-login tool: money spread across many custodians, more than one legal entity (trusts, LLCs, S-Corps), equity compensation, K-1s, and multi-state tax — unified in one view, organized by the entity that owns each account, with every number traced back to its source. The feature-by-feature table above lays out where Formation differs from Boldin so you can judge the fit for your own situation.
How much does Formation cost compared to Boldin?
Formation is one plan with full access — $29.99/month or $349/year list, and founding members lock $17.99/month or $199/year for as long as they stay subscribed. Every subscription starts with a 7-day free trial; there is no free tier and no percentage-of-assets (AUM) fee. The pricing row in the comparison table above shows how that lines up against Boldin.
Can Formation handle trusts, LLCs, equity compensation, and K-1s?
Yes. Formation models every account by the legal entity that owns it (personal, joint, trust, LLC, S-Corp), tracks RSUs, ISOs, NSOs, and ESPP with alternative-minimum-tax awareness, ingests Schedule K-1s from PDF, and runs cross-custodian, wash-sale-aware tax-loss harvesting across all your brokers at once. AURA, Formation's education-only AI, explains and analyzes these numbers but never gives personalized advice, places trades, or moves money.
Ground your plan in a living balance sheet.
Connect your accounts once and keep the present accurate — organized by entity, cited by source, ready to feed any plan.
No charge today · Cancel in two clicks · Founding price $199/yr, locked for as long as you stay
Full pricing detailsCompare Formation to other tools