A Boldin alternative built around your household’s monthly bills
Beyond Payday is for households who want this month’s bills and retirement in one place, with a free plan for everyday money. If you want advanced tax optimization or a planner, Boldin may suit you.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Why people switch to Beyond Payday
$90/yr vs $144/yr (PlannerPlus)
Pro is $90/yr. Boldin lists $144/yr (PlannerPlus) on its own site.Source: Boldin pricing page (opens in a new tab), verified Sep 25, 2026
Today’s money too
Bills, what’s left each month and net worth, free.
The whole household
Owner, spouse and kids, with per-person permissions.
Ask ChatGPT or Claude
Connect either one to your own numbers.
Beyond Payday and Boldin at a glance
Yes (their site says so) No (their site says so) Couldn’t confirm
| Feature | Beyond Payday | Boldin |
|---|---|---|
| Price | Free plan, or Pro at $9/mo or $90/yr | Yes, their site says so: Free Basic, or PlannerPlus $144/yrsource: Boldin pricing page, checked Sep 25, 2026 (opens in a new tab) |
| Free plan | Yes. Income, bills, net worth, goals and debt payoff | Yes, their site says so: Yes (Basic)source: Boldin pricing page, checked Sep 25, 2026 (opens in a new tab) |
| Free trial | Yes. 30 days of Pro, no card needed | Yes, their site says so: 14 days (PlannerPlus)source: Boldin pricing page, checked Sep 25, 2026 (opens in a new tab) |
| Links bank accounts | No. By design: no bank login needed | Yes, their site says so: Yes (PlannerPlus)source: Boldin pricing page, checked Sep 25, 2026 (opens in a new tab) |
| Household sharing | Yes. Owner, spouse and kids, with per-person permissions | Yes, their site says so: One person or couple per plansource: Boldin help: Changing marital status, checked Sep 25, 2026 (opens in a new tab) |
| Retirement plan | Yes. On Pro: month by month to age 95 | Yes, their site says so: Yessource: boldin.com, checked Sep 25, 2026 (opens in a new tab) |
| Social Security timing | Yes. On Pro: any claiming age 62–70, spousal and survivor | Yes, their site says so: Yes, compare claiming agessource: Boldin pricing page, checked Sep 25, 2026 (opens in a new tab) |
| Debt payoff plan | Yes. Free: avalanche or snowball, with a debt-free date | Yes, their site says so: Debt Payoff Explorersource: Boldin help: Debt Payoff Explorer, checked Sep 25, 2026 (opens in a new tab) |
| Business tracking | Yes. On Pro: one or more businesses | Yes, their site says so: Business owner incomesource: Boldin help: Entering business owner income, checked Sep 25, 2026 (opens in a new tab) |
| AI assistant | Yes. On Pro: Beth answers from your own numbers | Yes, their site says so: Boldin AIsource: boldin.com, checked Sep 25, 2026 (opens in a new tab) |
| Connects to ChatGPT & Claude | Yes. Connect either one to your own data | Yes, their site says so: MCP (Claude Code, Codex)source: Boldin developer docs: MCP, checked Sep 25, 2026 (opens in a new tab) |
| Data export | Yes. Every plan: a .zip of JSON and CSV files | Yes, their site says so: Download plan datasource: Boldin help: Download or print your plan, checked Sep 25, 2026 (opens in a new tab) |
| Tracks transactions | No. By design: no transaction busywork | Couldn’t confirm on their site |
| Platforms | Web app you can install on your phone or computer | Couldn’t confirm on their site |
| Coaching and CFP® access | No. A planning tool, not an advisor | Yes, their site says so: Yessource: boldin.com, checked Sep 25, 2026 (opens in a new tab) |
Based on each company’s own website, checked Sep 25, 2026. A – means we couldn’t confirm it on their site; features change, so check with them. Beyond Payday isn’t affiliated with Boldin.
Something wrong or missing? Let us know and we’ll review it and update this page.
Beyond Payday is a great fit if…
- You want this month and retirement in one place.
- You want a free plan for everyday money.
- You never want to hand over a bank login.
Might not be for you if…
- You want tax optimization beyond one effective tax rate.Source: Boldin pricing page (opens in a new tab), verified Sep 25, 2026
- You want a coach or planner to review your plan.Source: boldin.com (opens in a new tab), verified Sep 25, 2026
How switching works
Import or type in your bills, assets and debts
CSV, TSV or XLSX files work. Transactions don’t carry over — Beyond Payday doesn’t track them. How import works
Add your income
Type it in, or scan a paystub photo and review what it fills in (3 scans on Free, unlimited on Pro).
Leave any time with your data
Export everything as a .zip of JSON and CSV files, on every plan.
Questions
- Does Beyond Payday link to my bank?
- No. It never asks for a bank login. You type your numbers in or import them from a spreadsheet, and you keep them current.
- How does Beyond Payday handle taxes in retirement?
- On Pro, the retirement plan applies one effective tax rate, which you can change, to taxable income such as traditional withdrawals, pensions and taxable Social Security. It does not model tax brackets. Projections are estimates, not tax advice.
- Can my partner and kids use it too?
- Yes. One account covers the household: an owner, a spouse and children, with per-feature permissions for each person. One subscription covers everyone.
- Is there a free plan?
- Yes. The Free plan covers the dashboard, income, bills, assets, debts, net worth, goals, the Scenario Tester, import and export. Pro adds retirement planning, business tracking and Beth, the AI assistant. New accounts start with a 30-day Pro trial with no card needed, and keep the Free plan afterward unless they subscribe.
- Can I use it outside the US?
- Not yet. Beyond Payday is built for US households only: amounts are in US dollars, and taxes and Social Security rules are US-only.
Facts verified Sep 25, 2026 from each company’s own website (or an archived copy of it); features change — check the provider for current details.
Current details from each provider: boldin.com (opens in a new tab).
Boldin and PlannerPlus are trademarks of their respective owners. Beyond Payday has no affiliation with or endorsement from them.
Beyond Payday is a planning tool, not a financial advisor. Its figures are estimates based on what you enter, not guarantees.
See this month and retirement on one plan
Income, bills, what is left each month, net worth and, on Pro, retirement. No bank login.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.