Coastline vs Boldin
Boldin — the tool formerly known as NewRetirement — is one of the most comprehensive DIY retirement planners available, with a free tier and a paid PlannerPlus subscription. Coastline covers the core of the same work — tax-aware projections, Roth-conversion and withdrawal strategy, and market stress-testing — for free, with no account and a transparent breakdown of every figure.
Coastline vs Boldin, feature by feature
| Coastline | Boldin | |
|---|---|---|
| Price | Free | Free tier + paid subscription |
| Account / signup required | No | Yes |
| Federal + state tax modeling | Yes | Yes |
| Roth conversion planning | Yes | Yes |
| Monte Carlo / historical stress-test | Yes | Yes |
| Social Security claim-age modeling | Yes | Yes |
| Shows the exact math behind every number | Yes | Partly |
| Canada (CPP/OAS, RRSP/TFSA) | Yes | No |
| Breadth (budgeting, estate, what-ifs) | Focused | Very broad |
When to use Boldin
Boldin is worth the subscription if you want an all-in-one, long-term planning home — its depth across budgeting, estate, insurance, and endless what-if scenarios is exceptional, and many people happily live in it for years. If comprehensive ongoing planning is the goal and the price is acceptable, it’s a top choice.
When to use Coastline
Choose Coastline when you want rigorous, tax-accurate retirement projections at zero cost and with no account — plus a click-through breakdown of how each number is computed, which even paid tools rarely expose. It also handles Canadian plans natively, which most US-first tools don’t.
Both tools are free. This comparison is written by Coastline, so weigh it accordingly — try both and use whichever answers your question. Boldin is a well-regarded tool; the differences below are about focus, not quality.
Common questions
Is Boldin (NewRetirement) free?
Boldin has a free tier, but its most powerful planning features require the paid PlannerPlus subscription and an account. Coastline is free with no account.
Is Coastline a good free alternative to Boldin?
For tax-aware year-by-year projections, Roth-conversion and withdrawal strategy, and market stress-testing, yes. Boldin offers more breadth (budgeting, estate, insurance modules); Coastline focuses on accurate projections with fully transparent math.
Does Coastline require linking my accounts?
No. Coastline has no account and no data storage — you enter figures manually and nothing is saved to a server.