At a glance
Killion is planning and simulation software with read-only account linking. Boldin is described below in its own terms. Where a figure is quoted it comes from the vendor's published pricing and was checked on the date shown.
| Killion | Boldin | |
|---|---|---|
| Reason for leaving: simulation felt shallow | Regime-switching Monte Carlo with clustered downturns, fixed seeds, and backtesting to 1928. | Monte Carlo with optimistic and pessimistic assumption sets. |
| Reason for leaving: you wanted withdrawal policy comparison | Seven named rules, benchmarked against each other on identical simulated markets. | Withdrawal ordering with tax awareness rather than policy benchmarking. |
| Reason for leaving: price | $132/yr for Pro, $36 a year less than PlannerPlus at its new price. Still not a reason to switch on its own. | $168/yr for new PlannerPlus subscribers from October 15, 2026 (was $144); existing subscribers keep their price. A free Basic plan exists. |
| Reason for leaving: you never used the tax features | Tax estimates are opt-in in Killion, so you can leave them off and pay only for the simulation you use. | Tax modeling is most of what you are paying for. |
Boldin details checked on against the Boldin pricing page. Vendors change prices; verify before deciding.
Work out which half you used
Open your Boldin account and look at what you actually changed in the last year. If it was conversion amounts and filing assumptions, no alternative here replaces that, and leaving would be a downgrade.
If it was contribution rates, retirement ages and spending levels — the projection side — then a dedicated simulator does that work considerably better, and Killion is built for exactly those questions.
If you are still accumulating
Boldin’s strengths concentrate in the five years either side of retiring. If you are thirty-five and modeling a financial independence date, most of what you are paying for does not apply yet, while the questions that do apply — how much sequence risk sits in the plan, what a bad first decade costs — are simulation questions.
Which one to choose
Choose Killion if
- You are still accumulating, so decumulation tax sequencing is not yet the live question.
- You want to interrogate the simulation: crash timing, guardrails, ruin rates.
- You want holdings synced read-only and an AI assistant that can see them.
Choose Boldin if
- Roth conversions, Social Security timing or IRMAA thresholds are the decision in front of you.
- You want the option of a paid session with a human adviser.
- You want a free tier.