About
ProjectionLab is a modern financial planning and retirement simulation platform designed to help individuals model their long-term financial future with greater clarity and confidence. It provides a living, scenario-based view of net worth, cash flow, taxes, investments, and retirement outcomes without requiring users to connect real financial accounts.
The product is built for people who want to explore complex financial decisions in a flexible, intuitive environment. Users can test different life paths, compare strategies, and visualize how choices such as retirement timing, spending, investing, housing, and tax planning may affect their future.
- Monte Carlo simulations and chance-of-success analysis
- Cash-flow projections and Sankey-style visualization
- Tax analytics, Roth conversions, and withdrawal strategies
- Estate planning and legacy modeling
- International planning support with multiple currencies and tax presets
- Privacy-focused data storage options with no account linking required
ProjectionLab also includes tools for tracking progress over time, backtesting against historical data, and building detailed what-if scenarios. It is positioned as a comprehensive planning tool for both DIY users and financial professionals.
Free Tier Value
The cheapest paid plan is Premium at about $10.75/month, while the free tier already includes real planning capability: forecasting, financial planning tools, Monte Carlo simulations, historical backtesting, and flexible modeling. That is roughly a 35-40% slice of Premium’s practical value (basic simulation/planning without the premium tax, reporting, and persistence features), so a defensible buyer-equivalent estimate is about $4/month; there is no credit-card-free trial signal beyond the free tier itself, but the free offering is clearly capped rather than unbounded.
What's included in the free tier
- Forecasting for financial future planning.
- Financial planning tools for basic modeling.
- Monte Carlo simulations for scenario analysis.
- Historical backtesting for comparing outcomes.
- Flexible modeling for custom financial assumptions.
See ProjectionLab pricing for current limits.
Paid plans
Premium
- Professional-grade DIY financial and retirement planning
- Everything in Basic
- Cash-flow projections
- Tax optimization
- Withdrawal strategies
- Deeper insights
- Estate planning
- What-if scenarios
Pro
- client seats
- 10
- additional clients
- $2/month
- Modern financial planning software for financial advisors and coaches
- Everything in Premium
- Create and manage clients
- Advisor dashboard
- 10 client seats
- Additional clients for $2/month
- Directory listing
Pricing extracted from ProjectionLab's pricing page. Always verify current pricing before committing.