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About ProjectionLab
What is ProjectionLab?
ProjectionLab is a modern financial and retirement planning tool that lets you build a visual, interactive model of your entire financial life. Instead of static spreadsheets, you create dynamic projections that account for inflation, market returns, taxes, and major life events. The tool runs thousands of scenarios using Monte Carlo simulation to show the probability of achieving your goals.
Who is it for?
It is designed for individuals planning retirement, couples mapping joint financial goals, and financial advisors who need client projection capabilities without enterprise-level software. It is not for users who want simple, rule-of-thumb calculators or account aggregation services (it does not link to bank accounts).
Key capabilities
You can model multiple goals simultaneously (retirement, education, home purchase), run what-if scenarios (adjust spending, retirement age, investment strategies), and analyze tax impact across federal brackets, IRMAA cliffs, and ACA limits. It also supports international tax presets for Canada, UK, Australia, Germany, and more. The free tier offers basic projections; Premium unlocks cash-flow visualization, tax optimization, estate planning, and downloadable reports.
Key features
- Monte Carlo simulations — run thousands of market scenarios to gauge goal probability
- Multi-goal planning — model retirement, education, home purchase, and more simultaneously
- Tax-aware modeling — accounts for federal and state taxes, Roth vs. Traditional accounts
- What-if scenarios — adjust spending, returns, or retirement age and see instant recalculations
- Exportable reports — download summaries and charts for review or sharing
- International tax presets — supports Canada, UK, Australia, Germany, Netherlands, and more
- No account linking — your financial data stays private, never sold
ProjectionLab Pricing
ProjectionLab pricing: Free · from $129/yr. Billing model: Freemium.
Basic (Free)
$0/year. Includes forecasting, financial planning, Monte Carlo simulations, historical backtesting, and flexible modeling.
Premium ($129/year)
Everything in Basic plus cash-flow projections, tax optimization, withdrawal strategies, estate planning, what-if scenarios, compare mode, Roth conversions, ACA subsidies, downloadable reports, multiple plans, advanced analytics, capital gains harvesting, tax estimation, international planning, flexible spending, and Premium support. Start a free trial.
Pro ($549/year)
Everything in Premium plus advisor dashboard, create and manage clients, 10 client seats (additional clients for $2/month), and directory listing. Designed for financial advisors and coaches. Start a free trial.
Frequently asked questions
Is ProjectionLab free?
Yes, there is a free Basic plan that includes forecasting, Monte Carlo simulations, historical backtesting, and flexible modeling. Premium and Pro plans offer more advanced features with a free trial available.
How much does ProjectionLab cost?
Basic is free. Premium is $129 per year. Pro is $549 per year (includes 10 client seats). All plans are billed annually.
Who is ProjectionLab best for?
It is best for individuals planning retirement, couples mapping joint financial goals, and financial advisors who need professional projection tools. It is not for those who want account aggregation or simple calculators.
What are the top alternatives to ProjectionLab?
Common alternatives include Personal Capital (now Empower), NewRetirement, Boldin (formerly NewRetirement Plus), and OnTrajectory. ProjectionLab stands out for its Monte Carlo simulations and tax optimization features.
Can financial advisors use ProjectionLab?
Yes. The Pro plan ($549/year) includes advisor-specific features like client management, an advisor dashboard, 10 client seats, and directory listing.
Does ProjectionLab link to my bank accounts?
No. ProjectionLab does not link to your accounts. You manually input income, expenses, assets, and debts. This ensures your financial data stays private and is never sold.
