For a limited time, you can get the Boldin PlannerPlus for $120 for the first year, instead of the regular $144. This Black Friday and Cyber Monday offer runs from November 24 through December 1. I use Boldin for my own long-term planning, and I highly recommend it for Raining Pennies readers who want a serious planning tool.
If you sign up using my Boldin affiliate link, I will receive a small commission. This helps support Raining Pennies at no extra cost to you.
Why I Recommend Boldin PlannerPlus
Boldin is not a toy calculator that spits out a retirement age and a single number for “how much you need.” It is a full planning platform that lets you build a detailed plan, then stress test it with real-world scenarios.
I like it because I can change one assumption, such as retirement age or savings rate, and instantly see the impact on my projected savings, taxes, and estate value over time. Boldin recalculates your out of savings age, projected estate, lifetime tax bill, and year by year income and expenses as you tweak your plan.
PlannerPlus unlocks the best part of the system: you can create multiple scenarios, save them, and compare them side by side. That makes it much easier to decide between options such as retiring a little earlier, working part time, or doing a series of Roth conversions in your sixties.
See Your Future Net Worth in Seconds
Here’s a short video that demonstrates how Boldin projects your net worth in future years and converts it into today’s dollars. This is one feature among many that help you understand your long term plan with clarity.
This short demo shows how Boldin projects your future net worth and adjusts the results into today’s dollars.
What You Can Explore With Boldin
A recent Boldin blog highlighted more than twenty different types of scenarios you can run with a comprehensive retirement planning tool. The Boldin planner is built to handle all of them and more, which is why it has been recognized as one of the most comprehensive retirement calculators available online.
Here are a few examples that line up with the questions I hear most often from Raining Pennies readers.
- Lifetime tax and RMD planning: You can model different withdrawal orders, compare traditional versus customized withdrawal strategies, and spread Roth conversions across years to manage your tax brackets over decades, not just a single year.
- Roth conversion ideas: Boldin lets you test Roth conversions from traditional accounts into Roth accounts, see the upfront tax cost, and weigh that against future tax free growth.
- Early retirement and part time work: You can set different retirement ages, add or remove part-time income, and see how those choices affect your plan and, if applicable, your projected out-of-savings age.
- Spending versus saving trade-offs: Boldin makes it easy to change your ongoing spending levels, add one time goals like big trips or home projects, and compare what happens to your chance of success.
- Market risk and “what if” tests: You can compare optimistic, average, and conservative assumptions or run Monte Carlo simulations so you are not relying on a single straight-line forecast.
Those are only a few of the scenarios the Boldin planner supports. The key idea is that you are not stuck with a one-time projection. You can mix and match assumptions until the plan lines up with your goals and risk tolerance.
Explore Boldin PlannerPlus For $120
How PlannerPlus Helps If You Are Near Or In Retirement
PlannerPlus shines for people who are in their fifties, sixties, or seventies and want clarity on the next twenty to thirty years:
- Coordinate Social Security and withdrawals: You can try different Social Security start ages for you and a spouse and see how that interacts with portfolio withdrawals and taxes.
- Plan around RMDs: The planner helps you see when required minimum distributions kick in and how they affect your taxable income, which is critical for tax and Medicare planning.
- Test downsizing or moving: You can add housing changes, such as selling a home or tapping equity, to see how they affect cash flow and estate value.
- Model healthcare and long term care costs: Boldin lets you add medical and long-term care assumptions so you don’t ignore these big expenses.
Black Friday And Cyber Monday Offer Details
Here’s a summary of the Boldin PlannerPlus Black Friday sale:
- PlannerPlus for $120 for the first year.
- Regular price is $144.
- Offer is available between November 24 and December 1.
- Introductory rate applies to the first year and then renews at the standard rate.
If you have been looking for a way to pull your retirement, tax, and long term planning into one place, this is the lowest price I have seen on PlannerPlus this year.
Frequently Asked Questions
Q1: What is Boldin PlannerPlus?
Boldin PlannerPlus is the paid upgrade to the free Boldin financial planner. It unlocks multiple saved scenarios, more detailed controls, and extra analysis tools so you can run side-by-side comparisons of your plans.
Q2: Do I need to be close to retirement to use it?
No. Boldin is useful if you are early in your career, mid career, or already retired. The scenarios in the Boldin article cover everything from savings rates to retirement age to late life long-term care planning.
Q3: Is this helpful for tax planning?
Yes. Boldin lets you model lifetime tax strategies, including withdrawal order, Roth conversions, tax allocation, and the timing of RMDs. It will show you how different choices affect your projected lifetime federal and state taxes.
Q4: Is my information private?
Yes. Boldin uses bank-level encryption and industry-leading safeguards, and your data is stored in access-controlled data centers. Boldin adheres to SOC2 Type 2, GDPR, and CCPA compliance. You keep full control of your plan; Boldin does not sell your data.
Q5: Can I cancel later?
Yes. PlannerPlus is a subscription. You can manage your subscription from your Boldin account settings if you decide it is not right for you.
Ready To Try Boldin PlannerPlus?
If you want to see how early retirement, different spending levels, or Roth conversions might affect your long-term picture, Boldin PlannerPlus is worth trying at any price, and the promotion price makes it an easy decision.
For more more details on Boldin, see our post, Boldin: A Financial Tool That Makes Managing Money Easy.