{"id":27547,"date":"2026-04-14T17:39:37","date_gmt":"2026-04-14T17:39:37","guid":{"rendered":"https:\/\/finderica.com\/?p=27547"},"modified":"2026-04-14T17:39:37","modified_gmt":"2026-04-14T17:39:37","slug":"hiro-finance-is-shutting-down-heres-the-best-alternatives-for-users-looking-for-a-smarter-financial-planning-tool","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=27547","title":{"rendered":"Hiro Finance Is Shutting Down: Here&#8217;s the Best Alternatives for Users Looking for a Smarter Financial Planning Tool"},"content":{"rendered":"<div>\n<p id=\"h-if-you-ve-been-using-hiro-finance-you-likely-just-got-unexpected-news\">If you\u2019ve been searching for what happened to <a href=\"https:\/\/hirofinance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hiro Finance<\/a> or looking for the best alternative to the app, you\u2019re not alone.<\/p>\n<p>Hiro, an AI-powered financial planning app, was acquired by OpenAI and is shutting down. That leaves thousands of users asking:<\/p>\n<ul class=\"wp-block-list\">\n<li>What should I use instead of Hiro Finance?<\/li>\n<li>Is there a better AI financial planning tool?<\/li>\n<li>How do I rebuild my financial plan?<\/li>\n<\/ul>\n<p>This guide will help you understand what Hiro did, why it\u2019s shutting down, and most importantly, what to do next.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-what-was-hiro-finance-and-why-people-loved-it\">What Was Hiro Finance? (And Why People Loved It)<\/h2>\n<p>Hiro Finance was an AI financial planning app designed to help users:<\/p>\n<ul class=\"wp-block-list\">\n<li>Model financial scenarios quickly<\/li>\n<li>Ask \u201cwhat if\u201d questions about money<\/li>\n<li>Get instant AI-driven insights<\/li>\n<\/ul>\n<p>For many users, Hiro felt like having a personal CFO powered by AI. It was fast. Simple. And different from traditional financial planning tools. <strong>Founders:<\/strong> Ethan Bloch + Rushabh Doshi targeted mass-affluent individuals. They wanted to deliver financial planning at scale. They and their team are joining OpenAI.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-a-guide-to-hiro-alternatives\">A Guide to Hiro Alternatives<\/h2>\n<p>If you\u2019re searching for a Hiro Finance alternative, there is really only one company that is comparable (see #5 below), and it is actually a more holistic and powerful option for sound financial decision-making. <\/p>\n<p>But let\u2019s take a look at your 5 different options:<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-1-budgeting-apps-like-monarch-money\">1. Budgeting Apps like Monarch Money<\/h3>\n<p>Budgeting apps enable you to track spending and stay on top of your monthly cash flow. The two most popular are <a href=\"https:\/\/www.ynab.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">YNAB<\/a>, and <a href=\"https:\/\/www.monarch.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Monarch<\/a>.<\/p>\n<p><strong>Where budgeting apps fall short for Hiro users: <\/strong>These tools offer limited long-term planning, no real scenario modeling, and little insight into taxes or other big decisions. They are best for day-to-day financial awareness.<\/p>\n<p>(Compare the best tools that do budgeting and more.) <\/p>\n<h3 class=\"wp-block-heading\" id=\"h-2-investment-trackers-like-empower-s-personal-dashboard\">2. Investment Trackers like Empower\u2019s Personal Dashboard<\/h3>\n<p>Investment trackers are great for helping you see your current net worth, monthly tracking of accounts, and some do projections of your assets over time. <\/p>\n<p><strong>Where investment tracking falls short for Hiro users:<\/strong> Like the budgeting apps, investment trackers also offer limited scenario planning and financial decision-making support.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-3-basic-retirement-calculators-like-those-on-nerdwallet-and-others\">3. Basic Retirement Calculators (like those on NerdWallet and others)<\/h3>\n<p>Basic retirement calculators will give you quick estimates to simple retirement questions. You can get a generic answer that relies on many assumptions about when to retire or how much you need. They are easy to use, but the answers are not personalized and shouldn\u2019t be relied upon for major financial decisions.  <\/p>\n<p><strong>Where basic retirement calculators fall short:<\/strong> While simple retirement calculators provide an interesting starting point, financial planning is complex, and these tools oversimplify answers and can steer you in the wrong direction. (Compare retirement calculators.)<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-4-using-generic-ai-tools-like-chatgpt-and-others\">4. Using Generic AI Tools (like ChatGPT and others)<\/h3>\n<p>AI can feel really powerful, but answers are only as good as the questions that are asked and the context that is given. A typical AI response to a financial question will be a variation of: \u201cMaybe. It all depends.\u201d The noncommittal answer will be accompanied by a list of generic guidelines and things to consider.<\/p>\n<p><strong>Where generic AI fall short:<\/strong> There are at least three problems with generic AI and financial decision making: 1) You have to know the right questions to ask, 2) You have to know and be able to give the AI all the right inputs to give you good advice, 3) You have to trust the AI to do the calculations corrections, and math isn\u2019t actually the strength of these tools. <\/p>\n<p>Learn more about generic AI and financial planning.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-5-comprehensive-financial-planning-tools-with-embedded-ai-like-boldin\">5. Comprehensive Financial Planning Tools with Embedded AI (like Boldin)<\/h3>\n<p>The Boldin Planner is similar to the most powerful tools used by financial advisors who charge thousands.  It is built to model your entire financial life and run almost any \u201cwhat if\u201d scenario with instant answers. <\/p>\n<p><strong>Boldin surpasses Hiro in almost every way: <\/strong>With Boldin, the calculations are done within their proprietary and highly sophisticated financial model against comprehensive inputs representing your current financial resources and all future goals and projections. The AI is used to interpret your scenarios and suggest alternatives and additional options. Learn all about Boldin\u2019s unique and aligned approach to <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">AI-assi<\/span>sted financial planning.<\/p>\n<p>It takes a bit more effort to set up Boldin than Hiro, but the insights and opportunities are that much more reliable, engaging, and actionable. <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-a-deep-dive-into-hiro-vs-boldin-and-why-boldin-will-delight-former-hiro-users\">A Deep Dive into Hiro vs. Boldin and Why  Boldin Will Delight Former Hiro Users<\/h2>\n<p>Hiro delivered fast simple answers to users seeking financial guidance to short-term financial questions. Boldin does that, but with more power \u2013 delivering answers that are as sophisticated as you might get talking with the very best financial advisor. <\/p>\n<h3 class=\"wp-block-heading\" id=\"h-1-ai-financial-tool-vs-full-financial-planning-platform\">1. AI Financial Tool vs. Full Financial Planning Platform<\/h3>\n<p><strong>Hiro:<\/strong> Delivers AI-driven scenarios with lightweight financial inputs.<\/p>\n<p><strong>Boldin:<\/strong> Boldin is comprehensive financial planning software that models your entire financial life:<\/p>\n<ul class=\"wp-block-list\">\n<li>Income<\/li>\n<li>Spending<\/li>\n<li>Investments<\/li>\n<li>Taxes<\/li>\n<li>Retirement<\/li>\n<\/ul>\n<p>The tool provides deep and personalized AI responses and is a complete system delivering the kind of planning you could get from a very expensive financial advisor. With Boldin, you understand options,  make better decisions, and develop know-how and confidence about your future financial security.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-2-limited-inputs-vs-a-comprehensive-and-holistic-financial-plan\">2. Limited Inputs vs. a Comprehensive and Holistic Financial Plan<\/h3>\n<p><strong>Hiro:<\/strong> Hiro\u2019s AI responses are based on limited inputs and lean into assumptions.<\/p>\n<p><strong>Boldin:<\/strong> Boldin\u2019s AI is informed by your actual financial plan.  It uses your real projections across hundreds of data inputs. <\/p>\n<p>Not just AI\u2014<strong>AI grounded in your data<\/strong><\/p>\n<h3 class=\"wp-block-heading\" id=\"h-3-short-term-decisions-vs-long-term-outcomes\">3. Short-Term Decisions vs. Long-Term Outcomes<\/h3>\n<p><strong>Hiro:<\/strong> Focused on individual decisions<\/p>\n<p><strong>Boldin:<\/strong> Optimizes across your lifetime and balances competing goals and trade-offs:<\/p>\n<ul class=\"wp-block-list\">\n<li>Withdrawal strategies<\/li>\n<li>Tax efficiency<\/li>\n<li>Retirement income<\/li>\n<li>Major life decisions<\/li>\n<\/ul>\n<p>Not just \u201cwhat happens next\u201d\u2014<strong>what happens over decades<\/strong><\/p>\n<h3 class=\"wp-block-heading\" id=\"h-4-llm-doing-the-math-vs-a-sophisticated-financial-model\">4. LLM Doing the Math vs. a Sophisticated Financial Model<\/h3>\n<p><strong>Hiro:<\/strong> With Hiro, the LLM is doing simple math against a limited set of inputs to answer your questions.<\/p>\n<p><strong>Boldin:<\/strong> In Boldin, all math and modeling is done inside their sophisticated financial model that can handle everything from Roth conversion strategies, Monte Carlo analysis, retirement income calculations, Social Security strategies, and any \u201cwhat if\u201d scenario you can imagine.<\/p>\n<p>Boldin AI can educate you about your options, suggest strategies and trade-offs, and run the Boldin model, enabling you to assess your options against any financial goal, even a set of prioritized goals.<\/p>\n<p>Not just easy, it\u2019s very, very sophisticated<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-why-boldin-is-the-best-hiro-finance-alternative\">Why Boldin Is the Best Hiro Finance Alternative<\/h2>\n<p>If you\u2019re specifically searching for:<\/p>\n<ul class=\"wp-block-list\">\n<li>\u201cBest alternative to Hiro Finance\u201d<\/li>\n<li>\u201cAI financial planning app like Hiro\u201d<\/li>\n<li>\u201cWhat to use after Hiro shuts down\u201d<\/li>\n<\/ul>\n<p>Boldin is likely the best answer. But, there isa key difference: Boldin doesn\u2019t replace Hiro. It upgrades it.<\/p>\n<p>Instead of isolated answers, you get a full fianncial model, AI layered on top, real projections you can trust. <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-what-hiro-users-should-do-next\">What Hiro Users Should Do Next<\/h2>\n<p>If you\u2019re transitioning from Hiro:<\/p>\n<p>1. Create a Boldin account<\/p>\n<p>2. Build your financial foundation<\/p>\n<p>3. Start to improve your wealth, increase future retirement security, and achieve true financial confidence with sophisticated tools and the world\u2019s best AI planning assistant<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-future-of-ai-financial-planning\">The Future of AI Financial Planning<\/h2>\n<p>Hiro was an early signal of where things are going. But the next evolution is clear: The future isn\u2019t AI alone\u2014it\u2019s AI + full financial planning.<\/p>\n<p>Because:<\/p>\n<ul class=\"wp-block-list\">\n<li>AI without data lacks accuracy<\/li>\n<li>Models without AI lack accessibility<\/li>\n<li>You need both to make confident decisions<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"h-the-boldin-bottom-line\">The Boldin Bottom Line<\/h2>\n<p>If you liked Hiro, you were already ahead of the curve. You understand that:<\/p>\n<ul class=\"wp-block-list\">\n<li>Financial decisions can be modeled<\/li>\n<li>AI can help<\/li>\n<li>Better tools exist<\/li>\n<\/ul>\n<p>Now is your chance to move to something more powerful. With Boldin, you can rebuild your financial plan, test scenarios, and see your entire financial future\u2014so you\u2019re not just replacing Hiro, you\u2019re leveling up.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/www.boldin.com\/retirement\/hiro-finance-is-shutting-down-heres-the-best-alternatives-for-users-looking-for-a-smarter-financial-planning-tool\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve been searching for what happened to Hiro Finance or looking for the best alternative to the app, you\u2019re not alone. Hiro, an AI-powered financial planning app, was acquired by OpenAI and is shutting down. That leaves thousands of users asking: What should I use instead of Hiro Finance? Is there a better AI<\/p>\n","protected":false},"author":2,"featured_media":27548,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[348],"tags":[1656,262,191,255,10136,940,3623,411,1083,1159],"class_list":{"0":"post-27547","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-retirement","8":"tag-alternatives","9":"tag-finance","10":"tag-financial","11":"tag-heres","12":"tag-hiro","13":"tag-planning","14":"tag-shutting","15":"tag-smarter","16":"tag-tool","17":"tag-users"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/27547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27547"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/27547\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/27548"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}