Honest comparison
PeakWorth vs Boldin
Boldin (formerly NewRetirement) goes deep on retirement. PeakWorth covers the whole pre-retirement strategy too.
The short version
Boldin is one of the strongest retirement-specific planners on the market — tax-aware withdrawals, Social Security optimization, healthcare modeling. PeakWorth covers the same retirement layer plus the pre-retirement decision space (home, kids, career, debt) Boldin doesn't.
Boldin is best for
Pre-retirees and retirees focused mostly on the withdrawal phase — Social Security claiming age, Roth conversion ladders, tax-bracket-aware draw order.
Free tier; Planner Plus $120/yr; Advisor $40/mo.
PeakWorth is best for
Households who want the full strategy — retirement modeling plus the 30 years of decisions that lead up to it (when to buy, when to switch jobs, when to have kids, when to upgrade the car).
14-day free trial. Then $9.99/mo Navigator.
Feature by featureHow they compare
| Feature | PeakWorth | Boldin |
|---|---|---|
Multi-decade projection | ||
FI age | ||
Tax-aware withdrawal modeling | ||
Social Security optimization | Built-in | |
Pre-retirement Decision Hub | Home, career, kids, etc. | Limited |
AI advisor | Peak plan | |
Built for dual-income working households | Pre-retiree focus | |
Account aggregation | ||
Pricing | $9.99/mo Navigator | $120/yr Plus |
The real reasonsWhy people switch
- Retirement is one chapter. PeakWorth covers the whole book.
- Decision-grade tools for the pre-retirement years — buy/rent, lease/buy, second kid, job change.
- AI advisor that talks about your 30s and 40s, not just your 60s.
- Built around dual-income working households, not solo near-retirees.
Context
Boldin (formerly NewRetirement) is a serious retirement-planning tool with a deserved reputation in pre-retiree communities. If your only question is “how do I draw down my assets after I stop working,” Boldin is a strong fit.
If you're earlier in the journey — still earning, still making big-ticket household decisions — PeakWorth covers that span natively. Many users with 5+ years to FI find PeakWorth's pre-retirement decision tools more useful day-to-day.
See your real FI age in 5 minutes
Free 14-day trial. No credit card needed. Connect your accounts or model by hand.
Run it through PeakWorthFrequently asked
Should I use Boldin for retirement and PeakWorth for everything else?
You can. Boldin's withdrawal-phase modeling is deeper than PeakWorth's today. PeakWorth's strength is the Decision Hub and AI advisor for the pre-retirement years.
Does PeakWorth handle Social Security?
Yes, PeakWorth includes Social Security in projections. Boldin's claiming-age optimization is more sophisticated, but PeakWorth's basic modeling is sufficient for most households.
Is PeakWorth cheaper than Boldin?
PeakWorth Navigator is $9.99/mo or $99.99/yr. Boldin Planner Plus is $120/yr. Roughly comparable for the planning value, with Navigator adding the full Decision Hub; the AI advisor is part of the Peak plan ($19.99/mo).
PeakWorth provides educational projections, not financial advice. We are not a registered investment advisor, broker-dealer, tax preparer, or attorney. Consult a licensed professional before making major financial decisions. Read full disclosures