You want to retire at 52. Boldin will model every year of your retirement in detail. Delphina will give you the date. Here is which you need first.
Boldin's depth is the strongest case for early retirement modelling. You can enter your planned retirement spending at the year-by-year level, including the "go-go" years of 52-65 (more travel, more activities), the "slow-go" years of 65-75 (less travel, more home), and the "no-go" years of 75+ (healthcare-heavy). The platform runs Monte Carlo against this detail and gives you a probability of success for each stage.
For a US household with the appetite to build that level of detail, Boldin's retirement phase modelling is unmatched. You can stress test against a 2008-style market crash in year 1 of retirement, healthcare cost inflation, long-term care events, and several other scenarios.
Delphina gives you the date on day one. A UK saver with £220,000 across pensions and ISAs, spending £3,200 a month and saving £2,400 a month, gets a specific answer: at a 5% real return and the current savings rate, you reach 25x your spending at age 51 and 4 months. State Pension income from 67 reduces the required portfolio by around £314,000, which moves the date earlier.
Delphina also runs Monte Carlo on the retirement projection if you want the probability output later. The 25x approach is the standard FIRE number because it is robust across reasonable withdrawal rates and historical market conditions. Delphina gives you both: the date and the probability once you reach the date.
Boldin's depth is a 3-hour investment. Delphina's date is a 10-minute investment. Most people chasing FIRE need the date first, then the depth. The depth only matters once you know whether the goal is realistic.
If you are 5 years from retirement and want to model every year of your drawdown, Boldin is the better tool, if you are a US household. If you are 10+ years out and want to know whether the goal is realistic and what changes the date, Delphina gives you the more useful answer first.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number today, with no tool. Connect Delphina this week to get the date. Once you know whether the goal is realistic, you can decide whether Boldin's drawdown depth is worth 3 hours of setup.