The five year number
Five years of Boldin comes to $720 on PlannerPlus. Figures assume PlannerPlus at the current annual price with no increases, before any FX cost. Verified 21 July 2026.
Year by year
| Time held | Boldin | Delphina |
|---|---|---|
| After 1 year | Boldin$0 on Basic, or $144 on PlannerPlus | Delphina£119.88 |
| After 3 years | Boldin$432 on PlannerPlus | Delphina£359.64 |
| After 5 years | Boldin$720 on PlannerPlus | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Figures assume PlannerPlus at the current annual price with no increases, before any FX cost.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: FX fees at every renewal, because billing is in US dollars
- Hidden cost: The 14-day trial rolls into the annual charge, so a forgotten cancellation costs a full year
- Hidden cost: Boldin Advisors is a $3,200 flat fee on top if you want the human plan
- Hidden cost: For a UK saver, the cost of working around a product that has no concept of an ISA or a SIPP
Figures based on Boldin’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For us savers who want deep retirement modelling and are happy to drive it themselves, that is a fair price. 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.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Boldin pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Boldin is the strongest tool in this batch for anyone planning a US retirement, and the free tier is unusually generous. For a UK saver the entire tax and account model is wrong: there is no ISA, no SIPP, no annual allowance. Delphina does the same job with UK rules, priced in pounds at Free, £9.99 a month or £19.99 a month.
More on Boldin
Boldin: common questions
It is worth it for us savers who want deep retirement modelling and are happy to drive it themselves. It is a poor buy for anyone who needs built for the us: 401(k)s, iras, roth conversions and social security, none of which apply to a uk saver, because that is not what it is built to do.
4 things are not on the pricing page: fx fees at every renewal, because billing is in us dollars; the 14-day trial rolls into the annual charge, so a forgotten cancellation costs a full year; boldin advisors is a $3,200 flat fee on top if you want the human plan; for a uk saver, the cost of working around a product that has no concept of an isa or a sipp.
Boldin bills in US dollars, so a UK card is charged an FX fee on top at every renewal. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
Boldin publishes a 14-day free trial on PlannerPlus, after which the annual charge applies. Because the charge is annual rather than monthly, set a reminder for day twelve. The Basic tier is free indefinitely, so you can drop back to it rather than paying.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.