ProjectionLab vs Boldin vs UntilFire
Planners model your future. UntilFire connects it to your money today.
See your freedom dateFree. No login. About a minute.
Age 45 · 14 years away
Invest $300 more this month
Brings your date 4 months closer
- Checking synced today
- Credit card synced today
- Brokerage synced today
How they compare
| Feature | UntilFire | ProjectionLab | Boldin |
|---|---|---|---|
| Pulls in your spending automatically | – | – | |
| Links your bank accounts | 18,000+ banks | – | Paid plan only |
| Tells you what to do next, every month | – | – | |
| Free to try, no account | Account needed | Account needed | |
| Compares living costs in 300+ cities | – | – | |
| Tests life changes: a move, a baby, a break | Paid plan only | ||
| Has a free plan |
Why people choose UntilFire
Your real money
Spending, budgets and balances feed your plan automatically.
One next move
Every month, the single step that brings your date closer.
A date, in minutes
No 100-field setup. Your freedom date from three numbers.
Price per year
Where they specialise
ProjectionLab. Built for detailed modelers: Monte Carlo and deep tax scenarios.
Boldin. Built for people near retirement: Social Security and Roth timing.
Questions
What's the difference between ProjectionLab, Boldin and UntilFire?
ProjectionLab and Boldin are long-range planners. UntilFire connects your real accounts and spending to your plan, then gives you a freedom date and one next move each month.
Does ProjectionLab link to bank accounts?
No. ProjectionLab doesn't link to your accounts, so you enter and update balances yourself. UntilFire links to 18,000+ banks, and one connection is free.
Is Boldin worth $168 a year?
Boldin PlannerPlus rises from $144 to $168 a year for new subscribers after October 15, 2026. It suits people weighing Social Security and Roth timing. UntilFire Pro is $79 a year with bank sync included.
Is there a free alternative to ProjectionLab and Boldin?
Yes. UntilFire's FIRE calculator is free with no login, and gives you a freedom date from your income, spending and savings.
Your freedom date is a minute away
Get my freedom dateFree forever. No login. Export your data anytime.
vs FI Calcvs FIRECalcvs Monarch MoneyAll comparisonsPrices and features from each company's public website, checked . ProjectionLab and Boldin are trademarks of their owners; UntilFire isn't affiliated with either.