Hiro Finance Is Shutting Down: Here’s the Best Alternatives for Users Looking for a Smarter Financial Planning Tool

If you’ve been searching for what happened to Hiro Finance or looking for the best alternative to Hiro Finance, you’re not alone.

Hiro, was 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 financial planning tool?
• How do I rebuild my financial plan?

This guide will help you understand what Hiro did, why it’s shutting down, and most importantly, what to do next.

What Was Hiro Finance? (And Why People Loved It)

Hiro Finance was an AI financial planning app designed to help users:

• Model financial scenarios quickly
• Ask “what if” questions about money
• Get instant AI-driven insights

For many users, Hiro felt like having a personal CFO powered by AI. It was fast. Simple. And different from traditional financial planning tools. Founders: Ethan Bloch + Rushabh Doshi targeted mass-affluent individuals. They wanted to deliver financial planning scale. They and their team are joining OpenAI.

A Guide to Hiro Alternatives

If you’re 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.

But, let’s take a look at your 5 different options:

1. Budgeting Apps like Monarch Money

Budgeting apps enable you to track spending and stay on top of monthly cash flow. The two most popular are YNAB, and Monarch.

Where they fall short for Hiro users: 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.

(Compare the best tools that do budgeting and more.)

2. Investment Trackers like Empower‘s Personal Dashboard

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.

Where they fall short for Hiro users: Like the budgeting apps, investment trackers also offer limited scenario planning and financial decision-making support.

3. Basic Retirement Calculators (like those on NerdWallet and others)

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’t be relied upon for major financial decisions.

Where basic retirement calculators short: 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.)

4. Using Generic AI Tools (like ChatGPT and others)

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: “Maybe. It all depends.” The non commital answer will be accompanied by a list of generic guidelines and things to consider.

Where generic AI fall short: 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’t actually the strength of these tools.

Learn more about generic AI and financial planning.

5. Comprehensive Financial Planning Tools with Embedded AI (like Boldin)

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 “what if” scenario with instant answers.

Boldin surpasses Hiro in almost everyway: 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’s unique and aligned approach to AI assisted financial planning.

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.

A Deep Dive into Hiro vs. Boldin and Why Boldin Will Delight Former Hiro Users

Hiro delivered fast simple answers to users seeking financial guidance to short-term financial questions. Boldin does that, but with more power – delivering answers that are as sophisticated as you might get talking with the very best financial advisor.

1. AI Financial Tool vs. Full Financial Planning Platform

Hiro:

• AI-driven scenarios
• Lightweight financial inputs

Boldin:

• Comprehensive financial planning software
• Models your entire financial life:
  • Income
  • Spending
  • Investments
  • Taxes
  • Retirement

Not just AI answers, a complete system with AI helping you understand options and make better decisions.

2. Limited Inputs vs. a Comprehensive and Holistic Financial Plan

Hiro:

• Based on limited inputs and leans into assumptions

Boldin:

• AI powered by your actual financial plan
• Uses real projections, not guesses

Not just AI—AI grounded in your data

3. Short-Term Decisions vs. Long-Term Outcomes

Hiro:

• Focused on individual decisions

Boldin:

• Optimizes across your lifetime and balances competing goals and trade offs:
  • Withdrawal strategies
  • Tax efficiency
  • Retirement income
  • Major life decisions

Not just “what happens next”—what happens over decades

4. LLM Doing the Math vs. a Sophisticated Financial Model

Hiro:

• With Hiro, the LLM is doing simple math against a limited set of inputs to answer your questions.

Boldin:

• 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 “what if” scenario you can imagine.
• The Boldin AI can educate you about your options and 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.

Not just easy, it’s very very sophisticated

Why Boldin Is the Best Hiro Finance Alternative

If you’re specifically searching for:

• “Best alternative to Hiro Finance”
• “AI financial planning app like Hiro”
• “What to use after Hiro shuts down”

Here’s the key difference: Boldin doesn’t replace Hiro. It upgrades it.

Instead of:

You get:

• A full financial model
• AI layered on top
• Real projections you can trust

What Hiro Users Should Do Next

If you’re transitioning from Hiro:

1. Create a Boldin account

2. Rebuild your financial foundation

3. Start to improve your wealth, increase future retirement security, and achieve true financial confidence with sophisticated tools and the world’s best AI planning assistant

The Future of AI Financial Planning

Hiro was an early signal of where things are going. But the next evolution is clear: The future isn’t AI alone—it’s AI + full financial planning.

Because:

• AI without data lacks accuracy
• Models without AI lack accessibility
• You need both to make confident decisions

The Boldin Bottom Line

If you liked Hiro, you were already ahead of the curve. You understand that:

• Financial decisions can be modeled
• AI can help
• Better tools exist

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—so you’re not just replacing Hiro, you’re leveling up.