Compare
STWLTH vs ProjectionLab vs Boldin
These are different products for different moments. ProjectionLab and Boldin are full planning studios — you invest hours and get a complete financial model. STWLTH is the fast, private layer underneath: your FIRE number in sixty seconds, no account linking, no spreadsheet homework. Here's the honest version.
| STWLTH | ProjectionLab | Boldin | |
|---|---|---|---|
| Price | Free · $69/yr Premium · $129/yr Ultimate | Free basic · $129/yr Premium · $549/yr Pro | Free basic · $144/yr PlannerPlus |
| Time to first answer | 60 seconds — sliders, no setup | An afternoon — you build a full plan | Hours — guided, thorough onboarding |
| Account linking | Never required — manual entry only | Not required (their design too) | Yes — links via top-3 aggregators |
| Historical backtesting | Built in — 150+ years (Shiller), free | Yes, including on the free tier | Not advertised (unverified) |
| Monte Carlo simulation | Built in, free — deep dive in Sequence Risk (Premium) | Yes, including on the free tier | Yes (PlannerPlus) |
| Roth conversion modeling | Roth Conversion Ladder tool | Yes, within full plans | Not verified here — ask them |
| Works offline | Free tools run fully offline (PWA) | No | No |
| Retention model | Five minutes, once a month | Planning sessions | Ongoing plan management |
Competitor claims verified against public pricing pages on July 27, 2026. Pricing changes — if we're out of date, tell us and we'll fix it.
Where they win
ProjectionLab wins on deep planning. Milestone modeling, tax-aware cash-flow projections, plan sharing — it's an excellent piece of software, and like us they don't make you link accounts. If you want to spend an afternoon building a complete model of your financial life, buy ProjectionLab.
Boldin wins on account sync and human help. Automatic balance updates through aggregators and access to actual advisors. If you want a managed, guided plan that tracks itself, Boldin is built for that trade — your data flows through aggregators, and you get convenience back.
Where we win
Speed, privacy, and price. Every STWLTH tool gives you an answer in about a minute, runs its math in your browser, and never asks to connect an account. The free tools work in airplane mode. Historical backtesting against 150+ years of market data is free and one slider away. And the whole Premium suite costs less than either competitor's paid tier.
Want a 40-hour financial model? Buy ProjectionLab — it's excellent. Want your answer before your coffee cools? That's us.