Lunch Money ◆
Lunch Money is a personal finance tracker with auto-categorization, recurring budgets, and multi-currency support for individuals and couples.
Free·from $10/mo
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
SaaSpartout Score
7.0
/10
Editorial score from our review methodology — not user ratings.
ProjectionLab Pricing
ProjectionLab pricing: Free · from $129/yr. Billing model: Freemium.
Basic (Free — $0/yr)
Includes forecasting, financial planning, Monte Carlo simulations, historical backtesting, and flexible modeling.
Premium ($129/yr)
Everything in Basic plus cash-flow projections, tax optimization, withdrawal strategies, deeper insights, 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/yr)
Everything in Premium plus create and manage clients, advisor dashboard, 10 client seats (additional clients for $2/month), and directory listing. Start a free trial.
Frequently asked questions
Is ProjectionLab free?
Yes, ProjectionLab offers a free Basic tier that includes financial forecasting, Monte Carlo simulations, and historical backtesting.
How much does ProjectionLab cost?
ProjectionLab has three plans: Basic (Free, $0/yr), Premium ($129/yr), and Pro ($549/yr). Both paid plans offer a free trial.
Who is ProjectionLab best for?
ProjectionLab is best for individuals planning retirement, couples with joint financial goals, and financial advisors needing client projection tools. It is not for users seeking account aggregation or simple calculators.
What are the top ProjectionLab alternatives?
Popular alternatives to ProjectionLab include New Retirement (now part of eMoney), Personal Capital (now Empower), Boldin (formerly NewRetirement), and OnTrajectory.
Does ProjectionLab link to bank accounts?
No, ProjectionLab does not link to bank or investment accounts. All data is entered manually to keep your financial information private and never sold.
What is Monte Carlo simulation in ProjectionLab?
Monte Carlo simulation runs thousands of possible market scenarios to estimate the probability of achieving your retirement and financial goals, rather than assuming a single return rate.
