Enough

Honest Comparison · 2026

EnoughMoney vs Boldin(Boldin is the new name for NewRetirement)

Boldin (formerly NewRetirement, rebranded in 2024) is one of the most comprehensive US retirement income planners on the market — a well-established, subscription-based tool aimed at mass-affluent US retirees and pre-retirees.

Bottom Line

Boldin is the best-in-class US-domestic retirement income planner; EnoughMoney is the only tool that seriously combines US retirement math with international tax and geographic-cost-of-living data. If you're staying in the US, Boldin is a strong choice. If 'Portugal', 'Mexico', or 'Thailand' is in your plan, Boldin cannot model it and we can.

Feature-by-Feature Comparison

FeatureEnoughMoneyBoldin
Retirement Math
Safe Withdrawal Rate Calculator✓Yes✓Yes
Monte Carlo simulation✓Yes✓Yes
Historical returns backtest✓Yes✓Yes
Dynamic / variable withdrawal (Guyton-Klinger, VPW)✓YesPartial — fixed withdrawal only
Sequence-of-returns risk modeling✓Yes✓Yes
Tax Planning
US federal tax engine✓Yes✓Yes
US state tax (all 50 states)✓Yes✓Yes
International tax (86 countries)✓Yes✗No
Roth conversion modeling✓Yes✓Yes
Tax-optimized withdrawal sequencing✓Yes✓Yes
Geographic Intelligence
City cost-of-living comparison✓Yes✗No
Cities covered307US metros only
Geo-arbitrage FIRE modeling✓Yes✗No
Lifestyle-tier simulator✓Yes✗No
Planning & Experience
Multi-account portfolio tracking✓Yes✓Yes
What-if scenarios✓Yes✓Yes
AI-powered coaching✓Yes✗No
Public calculators (no login)✓YesLimited
Mobile accessWeb-responsiveWeb-responsive

Based on publicly available feature documentation as of 2026-04-17. Corrections and updates welcome.

Pricing: Boldin vs EnoughMoney

Boldin

Free: Basic calculator (simplified)

  • Planner: $120 per year
  • PlannerPlus: $180 per year
  • Advisor: $480 per year

EnoughMoney

Free: All public calculators (FIRE, SWR, Roth, tax, city comparison) — no signup.

  • Navigator: $19/mo or $15/mo annual ($179/yr)the money dimension — personal CFO: FIRE planning, tax, withdrawal, lifestyle simulator
  • Architect: $29/mo or $23/mo annual ($279/yr)all 10 dimensions of a wealthy life — adds Studio, Thread, life-events planning, emotional resilience

What Boldin Does Well

  • ✓Deep US retirement income planning: Social Security optimization, Medicare cost modeling, RMD planning, pension analysis
  • ✓Detailed tax modeling across US federal + all 50 states, including Roth conversion analysis
  • ✓Monte Carlo and historical simulations, with account-level drawdown sequencing
  • ✓Large established user base (claimed 120K+ users) and mature content library
  • ✓Active development and responsive user community

Where EnoughMoney Goes Further

  • →US-only: no international tax modeling, no non-US retirement systems (UK, Canada, Portugal, Australia), no geo-arbitrage analysis
  • →No cost-of-living data for cities outside the US — retirees considering Lisbon, Medellín, or Bangkok have to model those manually
  • →No lifestyle-tier simulator: tells you if you have enough, not what enough buys in a given location
  • →Paid subscription ($120/year Planner tier, $180/year PlannerPlus) — Enough's equivalent tools are free

Which Should You Pick?

Pick Boldin if…

Pick Boldin if you're a US resident with no plans to live abroad, your planning problem is primarily US-tax-optimization-heavy (Social Security timing, Roth conversions, Medicare), and you value a mature, widely-reviewed subscription product with deep community content.

Visit Boldin →

Pick EnoughMoney if…

Pick EnoughMoney if you're considering retiring abroad (or already living internationally), want to compare cost of living across 307 cities, need international tax modeling (86 countries), or want free calculators that work without a subscription. Our geo-arbitrage framing — how where you live changes your FIRE number — is the single biggest lever Boldin doesn't model.

Try our FIRE Calculator →

FAQs

Is Boldin the same as NewRetirement?

Yes. NewRetirement rebranded as Boldin in 2024. Same product, same team, new name. URLs and pricing are unchanged.

How much does Boldin cost vs EnoughMoney?

Boldin Planner: $120/year. PlannerPlus: $180/year. EnoughMoney's Navigator tier is $19/month ($15/mo annual, $179/yr) with more international tax modeling; Architect at $29/month ($23/mo annual, $279/yr) adds coaching across all 10 life dimensions. Our Free tier includes all core calculators with no subscription.

Can Boldin model retiring abroad?

No. Boldin is US-focused. It does not model international tax regimes, non-US healthcare, or cost of living outside the United States. EnoughMoney models 86 countries' tax systems and 307 cities' cost of living.

Which is better for Roth conversions?

Both model Roth conversions with tax-aware bracket optimization. Boldin's US-specific focus gives it a slight edge on US-only edge cases (IRMAA thresholds, state-tax drag on conversions). EnoughMoney's Roth Planner handles the same core math plus post-move scenarios (converting before relocating to a low-tax country).

Try EnoughMoney — free, no credit card

Run our FIRE calculator, compare cities, model your tax drag across 86 countries, or explore the lifestyle simulator. All core planning is free; Navigator ($19/mo) unlocks AI coaching and the full personal plan.

Create Free AccountTry calculator first

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See all comparisons at /vs or visit our 2026 FIRE Planning Tools roundup.

This comparison is an independent editorial analysis. EnoughMoney has no affiliate or financial relationship with Boldin. Feature descriptions reflect publicly-available documentation as of April 2026 — things change; verify current features before subscribing.