SoloFI vs Boldin
Detailed comparison to help you choose the right financial tool for your freelance business
Boldin is for retirees; SoloFI is for self-employed builders
Boldin is a powerful tool for people approaching retirement who want detailed Social Security analysis and estate planning. SoloFI is built for freelancers who need to optimize their tax situation now—SE tax, S-Corp analysis, Solo 401k—while tracking progress toward FI. Different tools for different stages.
SoloFI
Financial independence for freelancers
Freebuilt for self-employed
Best for:
- Freelancers and self-employed professionals
- Those pursuing early retirement or FI
- Self-employed wanting tax-optimized retirement
- Solopreneurs building toward independence
Key advantages:
- SE tax and quarterly payment calculators
- S-Corp analysis—unique to self-employed
- Solo 401k and SEP IRA optimization
- FEIE and geographic arbitrage tools
- Portfolio optimization and withdrawal stress test
- Simpler, purpose-built for solopreneurs
Boldin
Plan your retirement with confidence
FreePlannerPlus $120/yr
Best for:
- Pre-retirees with complex financial situations
- Those within 5–10 years of traditional retirement
- People wanting detailed Social Security analysis
- DIY retirement planners with W-2 income
Limitations:
- Not designed for self-employed or freelancers
- No SE tax calculator or quarterly estimates
- No S-Corp analysis tools
- No FEIE or geographic arbitrage planning
- Steep learning curve and complex interface
- No portfolio optimization or credit card tools
Feature Comparison
| Feature | SoloFI | Boldin |
|---|---|---|
Retirement Projections | ||
Social Security Analysis | ||
Monte Carlo / Stress Test Withdrawal survival simulations | ||
Roth Conversion Planning | ||
Net Worth Tracking | ||
Lifetime Income Projection | ||
Portfolio Optimization | basic | |
SE Tax Calculator Self-employment tax estimation | ||
Quarterly Tax Estimates | ||
S-Corp Analysis | ||
Solo 401k / SEP IRA Optimizer | ||
HSA Optimization | ||
QBI Deduction Calculator | ||
FEIE Calculator Foreign Earned Income Exclusion | ||
Geographic Arbitrage | ||
Estate Planning | ||
Advisor Access | paid add-on | |
Price | Free | Free / $120/yr |
Choose SoloFI if you...
- Are self-employed or have freelance income
- Need SE tax and quarterly payment help
- Want S-Corp analysis before committing to a structure
- Are exploring geographic arbitrage or FEIE
- Want simpler tools designed for solopreneurs
- Are pursuing early FI, not traditional retirement at 65
Choose Boldin if you...
- Are within 5 years of traditional retirement
- Have complex Social Security optimization needs
- Want detailed estate planning tools
- Have primarily W-2 income with straightforward taxes
- Want professional advisor integration