The short version
Boldin is the better all-round planner with a gentler learning curve; WealthTrace suits investors who want granular portfolio simulation. Neither handles UK pensions, ISA wrappers or UK tax.
Why people compare them
Both are annual-subscription retirement planners for DIY investors who have outgrown a spreadsheet.
Price and fit, side by side
| Feature | Boldin | WealthTrace |
|---|---|---|
| Cheapest paid plan | BoldinFree tier, then $144 per year | WealthTraceNot published |
| Free tier | BoldinYes | WealthTraceNo |
| Billed in pounds | BoldinNo | WealthTraceYes |
| Best for | BoldinUS savers who want deep retirement modelling and are happy to drive it themselves | WealthTraceUS individuals who want adviser-grade retirement modelling without hiring an adviser |
Where Boldin wins
- A genuinely useful free tier that builds a real plan rather than a teaser
- Very deep modelling on the paid tier: Monte Carlo, tax projections, scenario comparison and 100-plus inputs
- The Roth conversion explorer is best in class for the US market
Where WealthTrace wins
- The individual product runs the same planning engine advisers pay for, which is unusual at this end of the market
- Monte Carlo analysis gives you a probability of plan success rather than a single deterministic line
- Tracks investment holdings, performance and transactions alongside the projection, so the plan and the portfolio sit together
Where both fall short
- Neither handles ISA allowances or the tax wrapper decisions around them.
- Neither applies UK tax rules to what it shows you.
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job Boldin does for us savers who want deep retirement modelling and are happy to drive it themselves, so if that is the real problem, Boldin is still the better buy. Free plan is £0, no card.
Boldin vs WealthTrace: common questions
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. WealthTrace has the edge here, because Boldin bills in a foreign currency.
Boldin suits us savers who want deep retirement modelling and are happy to drive it themselves. WealthTrace suits us individuals who want adviser-grade retirement modelling without hiring an adviser. The one that matches how you already think about money will take less setting up.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job Boldin does for us savers who want deep retirement modelling and are happy to drive it themselves, so if that is the real need, pick one of these two.