Health & Wealth Retirement Tracker vs Boldin
Boldin (formerly NewRetirement) is the broadest DIY retirement planning software: detailed financial modelling, calculators, and coaching. The Health & Wealth Retirement Tracker does something narrower — it measures the health capacity, household strain, and cost exposure your retirement plan quietly assumes, and shows where those drift out of line with your money. If you want deep cash-flow modelling, Boldin is stronger. If your plan looks fine on paper but your energy, sleep, caregiving hours, or health costs are the real variable, that is what we track.
Feature comparison
| Feature | Health & Wealth Tracker | Boldin |
|---|---|---|
| Health capacity tracking | 8 trackers: energy, sleep, stress, mobility, activity, health cost exposure, household strain, retirement goals | Not tracked |
| Financial planning depth | Health cost exposure and retirement strain scores; no cash-flow or Monte Carlo modelling | Detailed cash-flow, tax, Social Security, and scenario modelling |
| Composite scores | Health Capacity, Cost Exposure, Retirement Strain, Health-Wealth Alignment (0–100) | Retirement score based on financial inputs |
| Advisor sharing | Permission-based, revocable, audit-logged; Advisor Pro portal for up to 100 clients | Coaching and advisor services offered as add-ons |
| Entry price | Free Snapshot, then $39/month or $349/year | Free tier, then roughly $12/month billed annually |
| Sells financial products | No — no products, no recommendations, not advice | No products; paid coaching available |
Where we win
- — Health capacity and household strain are measured, not assumed — nothing in Boldin captures energy, sleep, mobility, or caregiving load.
- — One alignment score that reads health and money together, so you can see which side is moving.
- — Permission-based advisor sharing with an audit log for every view.
- — A one-time Alignment Review ($297–$497) if you want a person to walk through it with you.
Where they win
- — Far deeper financial modelling: taxes, Social Security timing, withdrawal strategy, scenarios.
- — Lower entry price (about $12/month billed annually) and an established brand with press coverage.
- — A large library of calculators, classes, and community content.
Competitor details are taken from their public pages and may change. Check their site for current pricing and features.
No credit card required.