Comparison
Worthune vs Boldin
Boldin is a consumer retirement planner that enterprises can deploy co-branded, with a public data API, embeddable widgets, and an MCP server; enterprise and API access are arranged through sales. Worthune is built for firms and platforms rather than consumers: a household record, a whole-household planning engine, and verified models, with published pricing and a free sandbox key. If you want a finished consumer planner your participants can use, Boldin is ahead. If you are building advice into your own product, compare the engines.
Every claim below about Boldin carries the page it was read from and the date. Oldest check on this page: .
Worthune
Unified household management, a whole-household planning engine, and verified financial models, delivered as a REST API, an MCP server, SDKs, and embeds that customers ship under their own brand. Every model has a published spec and returns a per-run audit record.
Wealth-management firms and the platforms that serve them, and developers at fintech, wealthtech, banking, and AI companies.
Boldin
A retirement and financial planner for consumers, offered to enterprises co-branded, with a data API, embeddable widgets, and an MCP server.
Consumers directly, and employers, plan providers, and financial institutions as enterprise customers.
Side by side
Sourced facts only. Where a cell says a vendor does not publish something, that means we looked at the page named in the sources below on the date shown and it was not there — not that the answer is no.
| Worthune | Boldin | |
|---|---|---|
| How it is delivered | REST API, MCP server, and a one-script-tag embed | A consumer web planner; for enterprises, a co-branded deployment, a data API, and web-component widgets |
| Programmatic API | Yes — REST and MCP, no key required for the three sample models | Yes — public documentation for a tenant data API and embeddable widgets; access by contacting sales |
| MCP server for AI assistants | Yes — a remote MCP server; three models keyless, household and Lodestar tools with a key, including a free sandbox key | Yes — an MCP server for connecting AI assistants to Boldin |
| Client-facing portal or app | No app of our own; household embeds and a white-label reference build ship under the customer's brand, with attribution removal on Growth | The consumer app is end-user facing; enterprise deployments are co-branded |
| Free tier or trial | Three models, no signup and no key, attribution required | A free Basic consumer tier, and a 14-day trial of PlannerPlus |
| Pricing model | Subscription; three models free with attribution, no per-run metering | Consumer planner is free or an annual subscription; enterprise and API access are not priced publicly |
| Entry price | Free for three models; $495/month for the full catalog | Not stated publicly for enterprise or API access; the enterprise page routes to a demo |
| Track record, as published | A new company with a small team and no published customer list | Nationwide deployed its planning engine via API, used by over 2 million active participants as of August 2022 (under its former name, NewRetirement) |
Where Boldin is stronger
A consumer planner people already use, deployable at scale
Boldin has a complete planner that individuals use directly, a free tier, and an enterprise deployment that has run at a very large scale through a major provider (see the track-record row). An employer or plan provider that wants participants planning in a finished, co-branded product in months rather than building one is buying exactly what Boldin sells.
When Worthune is the wrong choice
If you want a finished planner for your participants
Worthune has no end-user application. A plan provider or employer that wants a consumer planning experience ready to roll out should look at a product like Boldin. We fit when the experience is yours to build and the engine underneath has to answer to an advisor or a reviewer.
Our case
Where we think the difference actually matters
This section is our opinion rather than sourced fact, and it is marked that way on purpose — the table above is what a source URL can settle, and this is what it cannot.
Built around the advisor and the household
A household is a durable record with a decision history, and Lodestar proposes moves that an advisor approves. The design assumes a professional in the loop, not a self-directed user.
Pricing you can read
Plans, included households, and overage rates are on the pricing page. Calls are never metered, and the free sandbox key needs no sales conversation.
Specifications and test cases, not just outputs
Each model has a versioned written specification and downloadable test cases, and each run returns a record tying the number to the version that produced it.
Sourced constants
IRS and SSA values come from a versioned facts registry that cites the primary source and the date it was checked, so a January change is visible rather than silent.
Questions
Common questions
- Does Boldin have an API?
- Yes. Its developer site documents a tenant data API and embeddable widgets, plus an MCP server, with access arranged by contacting sales.
- What does Boldin cost for enterprises?
- Not stated publicly. Consumer pricing is published, with a free tier; the enterprise page routes organizations to a demo, as of the date in the sources below.
- Should I use Boldin or Worthune for a retirement planning API?
- If you want a consumer planner and widgets your users interact with directly, look at Boldin. If you are building an advisor-facing or household-level product and need the engine, the household record, and published evidence for each number, look at Worthune.
- Can I try Worthune without a sales call?
- Yes. The engine runs on the website demo without an account, and a free sandbox key by email opens the full catalog and stored households for thirty days.
Sources
Every claim above, and where it came from
- Boldin · Free tier or trial — www.boldin.com/pricing/, checked
- Boldin · Client-facing portal or app — www.boldin.com/retirement/enterprise/home/, checked
- Boldin · MCP server for AI assistants — developers.boldin.com/, checked
- Boldin · Track record, as published — benefitslink.com/press-release/54692, checked
- Worthune · Free tier or trial — worthune.com/pricing, checked
- Worthune · Programmatic API — worthune.com/docs, checked
- Worthune · Client-facing portal or app — worthune.com/pricing, checked
- Worthune · MCP server for AI assistants — worthune.com/docs, checked
- Worthune · Track record, as published — worthune.com/ai-info, checked
Product names and trademarks belong to their owners and are used here only to identify the products compared. Nothing on this page implies endorsement or affiliation. Found something out of date? Tell us at support@worthune.com and we will re-check it.