Silvia vs. Boldin: Features, Pricing and Best Fit

Silvia and Boldin both help people make financial decisions with a more complete picture, but they begin from different problems.

Boldin is primarily a retirement and financial planning platform. It is strongest when you want to model retirement dates, Social Security, taxes, Roth conversions, spending, and other long-range scenarios. Silvia is a personal AI CFO for independent investors. It is strongest when you want to connect and monitor a wider balance sheet, including public investments, crypto, real estate, private investments, vehicles, collectibles, precious metals, and liabilities, then ask questions across that live context.

The short answer is simple: choose Boldin if detailed retirement projections and scenario modeling are your main job to be done. Choose Silvia if ongoing financial intelligence, broad asset tracking, investment research, and proactive monitoring matter more. Some households may find the two tools complementary.

Silvia vs. Boldin at a glance

Best for Silvia: independent investors who want one connected view of accounts, holdings, alternative assets, liabilities, and financial questions, with AI analysis and ongoing monitoring.

Best for Boldin: households focused on retirement readiness, tax-aware withdrawal planning, Social Security timing, Roth conversion analysis, and long-term scenario testing.

Main overlap: account aggregation, financial planning context, AI-assisted questions, scenarios, net-worth visibility, and educational guidance.

Main dividing line: Boldin organizes the product around a modeled retirement plan. Silvia organizes the product around a live financial picture and an AI CFO that can analyze it.

What is Boldin?

Boldin, formerly NewRetirement, describes itself as DIY retirement and financial planning software. Its planner covers income, expenses, Social Security, benefits, taxes, real estate, and other parts of a household's long-term plan.

The free Basic tier lets users build a personalized plan and run some what-if scenarios. PlannerPlus adds more detailed inputs and tools, including state and federal tax projections, Monte Carlo analysis, a Roth conversion explorer, multiple scenarios, side-by-side comparisons, detailed charts, budgeting, retirement-income planning, and account linking.

Boldin also offers education, coaching, and access to human advisers. Boldin Advisors is an affiliated registered investment adviser that offers flat-fee and ongoing services from CFP professionals. That is separate from using the self-directed planning software.

What is Silvia?

Silvia is a personal AI CFO built for independent investors who want to see and analyze their financial lives in one place. Users can connect financial accounts and track traditional investments alongside crypto, real estate, private investments, vehicles, collectibles, precious metals, and liabilities.

Once the financial picture is connected, Silvia can help users research investments, analyze documents, run scenarios, monitor portfolios, and ask questions through chat, text, or voice. Silvia's Radars add a proactive layer by monitoring conditions that matter to the user rather than requiring every review to start manually.

Silvia is not a registered investment adviser, tax adviser, attorney, lender, or substitute for a qualified professional. Its role is to organize financial context and provide educational analysis that helps investors ask better questions and make their own decisions.

Which platform gives you the broader financial picture?

Both products can represent more than an investment account, but their emphasis differs.

Boldin's inputs are designed to feed a forward-looking financial plan. Income, expenses, retirement accounts, benefits, healthcare costs, real estate, taxes, and assumptions become inputs to projections about future cash flow and retirement readiness.

Silvia's model is closer to a continuously updated balance sheet and investment workspace. It is designed to include accounts and asset classes that may sit outside a retirement plan, including crypto, private investments, vehicles, collectibles, and precious metals. That broader inventory can matter for investors whose wealth does not fit neatly inside brokerage and retirement accounts.

If your main question is, "Can I retire at 62, and how would a Roth conversion affect the plan?" Boldin is purpose-built for that analysis. If your main question is, "What changed across everything I own, and what deserves attention?" Silvia is the more natural fit.

Retirement planning and scenario modeling

Boldin has the more specialized retirement-planning toolkit. PlannerPlus includes Monte Carlo analysis, federal and state tax projections, Social Security analysis, Roth conversion modeling, withdrawal planning, healthcare estimates, real estate modeling, and multiple scenarios.

A Monte Carlo analysis runs many simulated market paths to estimate how often a plan meets its goal under a stated set of assumptions. It is useful for stress testing, but it is not a prediction. Results depend heavily on the inputs, market assumptions, spending estimates, and time horizon. For a deeper explanation, read what Monte Carlo retirement analysis can and cannot tell you.

Silvia can help users run scenarios and reason about retirement decisions in the context of connected accounts and assets, but Boldin provides a more visibly structured set of retirement-specific explorers and long-range projection tools.

Boldin is likely the better choice when retirement modeling is the product you want. Silvia is likely the better choice when retirement is one of several ongoing financial questions inside a broader investment and net-worth system.

AI guidance and financial questions

Boldin AI works inside the user's Boldin plan. According to Boldin, the AI uses plan data such as income, savings, taxes, and spending, while the underlying projections come from Boldin's financial modeling engine. The Basic plan offers limited conversations, while PlannerPlus offers unlimited conversations and more advanced scenario modeling.

Silvia's AI works across the user's connected financial picture and a finance-specific toolset. It is designed for questions involving portfolios, market data, company financials, documents, taxes, mortgages, and credit cards, with primary-source retrieval when relevant.

Silvia has also published open benchmarks for finance questions. In September 2026, the company reported that Silvia ranked first among the seven AI products it evaluated on tax, mortgage, and credit card benchmarks. The company published the datasets and methodology so readers can inspect the test, but the results are company-run benchmarks, not an independent certification. Read the benchmark overview and review the underlying data before drawing conclusions.

The practical difference is context. Boldin AI is tightly grounded in a retirement plan. Silvia is intended to answer a wider range of finance and investing questions using connected assets, positions, documents, and research tools.

Investment analysis and tracked assets

Boldin includes investment and allocation inputs because portfolio assumptions affect retirement projections. Its focus is on how savings, allocation, returns, taxes, and withdrawals influence the long-term plan.

Silvia places more emphasis on the investment portfolio as a live object. Users can review public holdings, research investment ideas, examine documents, track crypto, add private investments, and see those positions alongside property and liabilities.

That difference matters for investors with concentrated stock, multiple brokerages, alternative assets, private funds, or a large amount of wealth outside retirement accounts. A retirement projection can still be valuable, but these investors may also need ongoing exposure analysis and a better way to organize nonstandard assets.

For the broadest household view, compare both products against the assets you actually own. A feature list matters less than whether the system can represent your real financial structure without forcing important assets into a generic category.

Proactive monitoring

Boldin offers personalized alerts, a planning roadmap, milestones, and suggestions intended to help users keep the plan current. These are useful when an assumption changes or a planning task needs attention.

Silvia's Radars are designed to monitor user-defined financial conditions. A Radar can connect an alert to the context that matters, such as a holding, price, market event, portfolio exposure, or another financial condition. That makes Silvia a stronger fit for users who want the system to watch for changes between planning sessions.

The distinction is not that one platform monitors and the other does not. It is what each platform treats as the center of the monitoring system. Boldin monitors the plan. Silvia monitors the wider financial picture and the questions the investor chooses to follow.

Human advice and education

Boldin has a broader human-services layer. PlannerPlus includes classes and live question-and-answer sessions, while Boldin Advisors offers access to CFP professionals for households that want a plan review or ongoing advice.

Silvia is oriented toward self-directed investors using a personal AI CFO. It can help users organize information and prepare better questions, but it does not replace a licensed adviser, CPA, attorney, or insurance professional.

Choose based on the kind of support you want. If access to structured courses or a human retirement adviser inside the same product ecosystem is important, Boldin has the clearer offering. If you primarily want an AI system for connected assets, research, and ongoing financial analysis, Silvia is more directly aligned.

Pricing

Pricing changes, so verify the current terms before subscribing.

As of October 7, 2026, Boldin's pricing page lists Basic at no cost and PlannerPlus at $144 per year after a 14-day trial. Boldin has announced that the price for new PlannerPlus subscribers will rise to $168 per year on October 15, 2026. Existing subscribers will continue at their current renewal price for now, according to the company's announcement.

Boldin currently lists a comprehensive retirement plan checkup with a CFP professional at $3,200. Its advisory page also describes ongoing service options. These human services are separate from the PlannerPlus software subscription.

Silvia offers a free signup path, but this comparison does not state a paid-plan price because a current public price could not be verified from an accessible first-party pricing page during this review. Check the live Silvia signup flow for current plan details.

Compare more than the subscription price. Consider the job the product is replacing, how often you will use it, whether it covers the assets you own, and whether you also expect to pay for professional advice.

Security and data access

Both products handle sensitive financial information, so security deserves a direct review before connecting accounts.

Boldin's security page says it uses encrypted communications, internal access controls, multifactor authentication, third-party account-linking providers, and SOC 2 Type 1 and Type 2 controls. It also says Boldin does not require a Social Security number, real name, or account numbers for the planning product.

For Silvia, review how Silvia protects financial data and the current privacy and security disclosures before connecting accounts.

For either platform, use a unique password, enable multifactor authentication where available, understand which aggregation provider connects each institution, and review what happens when you disconnect an account or delete data.

Who should choose Silvia?

Silvia is likely the better fit if you:

• Want a personal AI CFO for ongoing financial questions
• Need to track public investments alongside crypto, real estate, private investments, vehicles, collectibles, precious metals, and liabilities
• Want investment research and document analysis in the same system
• Prefer proactive monitoring through customizable Radars
• Have a complex balance sheet that does not fit inside a retirement-only workflow
• Make your own financial decisions and want better context rather than delegated management

Who should choose Boldin?

Boldin is likely the better fit if you:

• Want detailed retirement projections and what-if scenarios
• Need dedicated tools for Roth conversions, Social Security, taxes, healthcare, and withdrawals
• Want Monte Carlo analysis and side-by-side plan comparisons
• Prefer a structured planning roadmap and educational classes
• Want the option to work with a CFP professional through the same company
• Care more about retirement readiness than day-to-day investment research

Can Silvia and Boldin work together?

Yes. A household could use Boldin for detailed retirement modeling and Silvia for the broader connected financial picture, investment research, alternative-asset tracking, and ongoing monitoring.

The tradeoff is maintenance. Two tools can create duplicate inputs and conflicting assumptions. If you use both, decide which system owns each job. For example, Boldin could be the source of truth for retirement projections, while Silvia is the source of truth for the live balance sheet, portfolio questions, and Radars.

Review both systems after major changes so income, spending, account balances, property, and goals do not drift apart.

Frequently asked questions

Is Boldin only for retirees?

No. Boldin can be useful before retirement because it models savings, income, spending, taxes, Social Security, healthcare, and future decisions. Its strongest orientation is still long-term retirement planning.

Does Boldin manage investments?

The self-directed Boldin planning software does not manage a user's portfolio. Boldin Advisors is a separate affiliated advisory service that offers professional guidance. Review its Form CRS and service agreement before engaging it.

Is Silvia a financial adviser?

No. Silvia is a personal AI CFO and educational financial tool. It does not replace a registered investment adviser, CPA, attorney, lender, or other qualified professional.

Which product is better for alternative assets?

Silvia is the stronger fit for a balance sheet that includes crypto, private investments, collectibles, vehicles, precious metals, and other nontraditional assets. Boldin can represent real estate and other planning inputs, but its primary purpose is long-term financial and retirement modeling.

Which product is better for retirement taxes?

Boldin has dedicated tools for federal and state tax projections, Roth conversions, and withdrawal strategies inside a retirement plan. Silvia can answer tax questions and analyze the wider financial context, but individualized tax decisions should be reviewed with a qualified tax professional.

The bottom line

Silvia and Boldin are not interchangeable. Boldin is a retirement-planning system with detailed scenario tools, educational resources, and access to human advisers. Silvia is a broader personal AI CFO for independent investors who want connected assets, research, monitoring, and finance-specific AI in one place.

Choose Boldin when retirement projections are the central problem. Choose Silvia when the central problem is understanding and monitoring the entire financial picture. If your needs span both, use each tool for a clearly defined job and keep the assumptions synchronized.

See how your accounts, investments, property, crypto, private assets, and liabilities fit together with Silvia.

This article is for educational purposes only and does not constitute personalized financial, investment, tax, legal, or retirement advice. Product features and prices can change. Verify current terms with each provider and consult a qualified professional before acting.