Boldin vs ProjectionLab vs GetOurNiche: 2026 Retirement Planner Comparison

Choosing the right retirement planning software can feel overwhelming. With dozens of tools on the market — from free calculators to $200/month platforms — how do you know which one actually delivers the insights you need without overpaying?

In this comparison, we’ll look at three of the most capable retirement planning platforms in 2026: Boldin (formerly NewRetirement), ProjectionLab, and GetOurNiche. Each takes a different approach to solving the same problem: helping you plan a confident retirement.

Quick Overview

Boldin is the most established player, having started as NewRetirement in 2015. It offers a comprehensive financial planning suite with detailed data entry, extensive what-if scenarios, and recently added an AI planning assistant. It’s the most “advisor-like” experience of the three.

ProjectionLab is the indie darling of the FIRE (Financial Independence, Retire Early) community. It has a modern interface, strong visualization tools, and supports international users with multi-currency planning. It’s popular among tech-savvy users who want granular control.

GetOurNiche is the newest entrant, focused specifically on combining Monte Carlo projections, AI-powered advice, and scenario comparison in one streamlined dashboard. It aims to deliver professional-grade analysis at the most accessible price point.

Feature Comparison

Monte Carlo Simulations

All three platforms offer Monte Carlo simulations, but with different approaches. Boldin runs simulations with customizable parameters and visualizes outcomes in detailed probability charts. ProjectionLab provides Monte Carlo analysis with clean visualizations, particularly strong in its timeline view. GetOurNiche runs 5,000+ simulations per plan with a focus on making the results immediately actionable — showing not just your success rate, but exactly which variables move the needle most.

AI-Powered Planning

This is where the platforms diverge most. Boldin introduced an AI Planner Assistant in 2025, which can answer questions about your plan and suggest optimizations. ProjectionLab does not currently offer an AI advisor feature. GetOurNiche’s AI Retirement Advisor is integrated into the core dashboard, with full context of your financial data, and can answer natural-language questions about Social Security timing, Roth conversions, withdrawal strategies, and more.

Scenario Comparison

The ability to compare “retire at 62 vs. 65” or “sell the house vs. keep it” side by side is critical for making real decisions. All three platforms support scenarios, but GetOurNiche was designed with unlimited scenario comparison as a core feature — you can build as many scenarios as you want and compare them visually side by side. Boldin offers scenario modeling but can feel complex to navigate. ProjectionLab handles scenarios well through its “milestones” approach.

Tax Planning

Tax optimization can save retirees tens of thousands of dollars. Boldin offers the most detailed tax modeling, including federal and state taxes, Roth conversion planning, and capital gains analysis. GetOurNiche includes tax-aware modeling with Roth conversion analysis and withdrawal sequencing. ProjectionLab provides basic tax bracket modeling with room for more granularity.

Pricing Comparison

This is where the differences become stark:

• Boldin: Free basic tier with limited features. Planner Plus at $120/year. Navigator plan at $240/year for premium features including the AI assistant.
• ProjectionLab: Free tier with core features. Premium at $10/month ($96/year) for advanced features like Monte Carlo and collaborative planning.
• GetOurNiche: Basic at $47/year with Monte Carlo and core dashboard. Pro at $24/month ($192/year billed annually) with AI advisor, bank connections, and unlimited scenarios. Advisor tier at $149/month for financial professionals.

For users who want Monte Carlo and basic planning, ProjectionLab and GetOurNiche offer the best value. For users who want AI-powered advice integrated into their planning, GetOurNiche’s Pro tier delivers significant value at a competitive price. Boldin’s strength is its depth and established track record.

Who Should Use What?

Choose Boldin if: You want the most established platform with the deepest feature set and don’t mind a steeper learning curve. Best for detail-oriented planners who want to model every aspect of their finances.

Choose ProjectionLab if: You’re in the FIRE community, want a clean modern interface, need international support, or prefer a more visual approach to planning. Best for tech-savvy users who enjoy granular control.

Choose GetOurNiche if: You want professional-grade Monte Carlo analysis combined with an AI advisor that can answer your specific questions, all at an accessible price point. Best for users who want actionable insights without the complexity — especially if AI-powered guidance is important to you.

The Bottom Line

All three platforms are significantly better than free online calculators or spreadsheets. The “best” choice depends on what you value most: depth (Boldin), design and FIRE focus (ProjectionLab), or AI-powered insights at a great price (GetOurNiche).

The good news? Most of these platforms offer free tiers or free trials, so you can test before committing. We obviously think GetOurNiche hits the sweet spot of power and usability, but we’d rather you make that decision yourself.

Ready to compare for yourself? Start your free 7-day trial of GetOurNiche and see how it stacks up against whatever you’re currently using.