Appleseed vs. Boldin
Appleseed is a modern financial engine for high-income professionals. Native RSU vesting, multi-property modeling, and 1-click crash tests, built for speed instead of spreadsheet administration.
PlannerPlus, to unlock Monte Carlo, tax projections & multiple saved scenarios. 14-day trial. Advisor package: $3,200.
The chart is the simulation.
The fan and the success rate come from the same 500 paths — one engine, one answer.
A Monte Carlo score sits beside a chart drawn with different, deterministic math — two engines that don’t agree. The full analysis is a separate paid page.
The number behind the number, printed.
A success percentage is only as honest as the volatility behind it. Ours is on the label.
Standard deviations aren’t published, shown, or editable — so the success score is unverifiable by design.
RSUs, modeled like RSUs.
Vesting schedules, annual refreshers, sell-to-cover withholding, pre-IPO grants with a liquidity year — native inputs.
The official RSU method is a help-center recipe: placeholder account, placeholder job income, hand-modeled transfers. No vesting engine, no private stock.
Two one-click stress tests, calibrated to history — run on your concentrated position.
Replays 2000 on your position: the top-10 NASDAQ names of 2000 returned 3.4%/yr at 24% volatility over the 26 years since.
Calibrated presets: a 1-year gap at 80% comeback comp, or the pessimistic 2 years at 60%.
No crash replay. No layoff test.
Moves and the gap years, already in the plan.
Unlimited moves with auto-filled carrying costs — and pre-Medicare healthcare included by default when you retire early.
One primary-residence change, ever — sale fees and taxes hand-calculated, sale gains not modeled. Pre-65 healthcare: estimate it on an external ACA calculator, then type it in.
Advice that ships with an Apply button.
The Assistant sits under the main chart, explains the plan, applies the fix in one click — and overlays both futures on one chart.
Your plan succeeds in 71% of paths. The biggest drag is $240k sitting in cash, earning less than inflation. Investing everything above a six-month emergency fund lifts the success rate to about 84%.
The AI can’t change your plan, and it’s metered: 5 questions/day free, 200/conversation paid.
How the planner stays free.
No ads, no data sales — the full planner is free.
If you want help executing the plan — tax-aware diversification of RSUs, say, or investment allocation — qualified users can request an introduction to a fiduciary advisor partner. Never a requirement to use the site.
Curated by an ex-Google founder. We only connect you with independent fee-only advisors with proven track records managing complex tech equity and concentrated stock.
We make a single, warm introduction — and never share any data except what you explicitly share in the form. Appleseed receives a referral fee if you become a client.
Some users want automatic account syncing — and the data provider bills us every month, for every connected account. Pro covers that and a few deeper analysis tools, $19/mo or $99/yr. The planner stays free.
Fair is fair: if you’re in retirement and your comp was cash, Boldin is a genuinely capable decumulation planner. Appleseed is optimized for everyone else.