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 needed and a transparent breakdown of every figure.

Coastline vs Boldin, feature by feature

The same plan, run through Coastline

Boldin models taxes and account types behind a login and a subscription for its full feature set. The figures below are the free engine here on the same plan, for a like-for-like check. One retiree, $1,000,000 at 65 split 60% taxable / 30% traditional / 10% Roth, single filer, no-income-tax state, no Social Security, spending $40,000 a year in today’s dollars to 95:

The tax row is what a pre-tax simulator leaves for the reader to guess, and for this particular retiree it is small: a single filer drawing about $12,000 a year from a traditional account and the rest from a taxable account whose gains fall in the 0% capital-gains bracket has little to tax. A larger traditional balance, a pension or Social Security stacking on top, or a state with an income tax moves it — which is the case for running your own plan rather than reading this one. The figures are identical on every comparison page on this site because they are one plan run once; only the tool being compared changes.

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 needed — plus a click-through breakdown of how each number is computed, which even paid tools rarely expose, with all 50 states and DC, itemized deductions, IRMAA, ACA credits and 72(t) modeled as the actual rules.

Coastline is free with no signup; Boldin has a free tier plus a paid subscription for its full feature set. 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 here are about focus, not quality.

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