Compared · facts verified June 2026
Granary vs Boldin
Boldin — formerly NewRetirement — is probably the most complete consumer retirement planner on the market. It is built by a much larger team, it covers a wider planning surface than Granary does, and if you want your account balances to update themselves, Boldin does that and Granary never will. If those are your priorities, you should use Boldin, and the rest of this page won't change your mind.
Here is where the comparison gets interesting: price, privacy, and how much of the serious tax math you get for the money.
Credit where due
What Boldin genuinely does better
Breadth of the planning surface
Boldin is the holistic-planning benchmark. More years of development and a bigger team show up as coverage Granary doesn't try to match across every corner of a financial life.
Account aggregation
Boldin links accounts so balances update automatically — Granary never will, by design; that's a real convenience trade. Granary asks you to enter numbers by hand or import a CSV, in exchange for keeping third parties away from your accounts. Which trade you prefer is a real choice, not a gotcha.
They honor their early subscribers
When Boldin raised prices from $120 to $144 in July 2025, existing subscribers kept their old price. That's the right way to raise prices, and it's the same commitment Granary makes to its own early subscribers.
The verified facts
Side by side
Annual price (verified June 2026)
Granary
$39/yr, or $4.99/mo on the monthly plan.
Boldin
$144/yr ($12/mo, billed annually). Raised from $120 in July 2025; existing subscribers keep their old price.
Free tier
Granary
A real planner — dashboard, portfolio, projections, basic retirement calculator, cross-device sync.
Boldin
Scenario planning included free.
Roth conversion planning
Granary
Year-by-year conversion ladder with a lifetime tax bill comparison, in the $39 tier.
Boldin
Roth Conversion Explorer with four strategies, including an IRMAA-threshold strategy — gated to the paid plan.
IRMAA awareness
Granary
Six tiers per filing status, two-year MAGI lookback, recalculated every projection year; plus an IRMAA-shield withdrawal strategy.
Boldin
An IRMAA-threshold strategy inside the Roth Conversion Explorer is what we verified. Beyond that, varies.
Privacy architecture
Granary
No Plaid or screen-scraping ever; sync is encrypted in your browser (AES-GCM) before it reaches our database; a local-only mode keeps your numbers off the cloud entirely.
Boldin
Varies — we did not verify Boldin’s storage architecture this pass.
Boldin claims verified June 2026 against public pricing and feature pages. Where we couldn't verify a Boldin detail, the cell says “varies” rather than guessing. Three Granary features stay out of the table for the same reason — we couldn't check Boldin's side honestly: historical backtesting (every rolling window 1928–2024, real CPI sequences, included in the $39 tier), the 2026 ACA cliff engine (checked against Rev. Proc. 2025-25), and auditability (282 CI assertions run on every release; every dashboard number opens its formula).
The honest close
Which one is for you?
Choose Boldin if
- →You want linked accounts that update balances automatically.
- →You want the broadest holistic planning surface a consumer tool offers, from a larger, established team.
- →$144 a year is comfortable, and product maturity matters more to you than price.
Choose Granary if
- →You want the Roth-ladder and IRMAA-class tax math for $39 instead of $144 — 27% of the price.
- →You’d rather your bank logins never enter the picture: manual entry, CSV import, browser-side encryption, and a local-only mode if you want zero cloud.
- →You want to audit the plan — every number opens the formula behind it, and 282 CI assertions pin the math on every release.
- →You want historical backtesting (1928–2024) and 50-state tax included, not bolted on.
Also comparing ProjectionLab, or weighing Granary against the spreadsheet you built?
Run your own numbers.
The cheapest comparison is the one you run yourself: put your real numbers into the free trial and see whether the math earns the $39.
Start free7-day free trial on Monthly & Annual. Cancel anytime, no charge. 30-day money-back guarantee on every plan.