Yes, ProjectionLab has a permanent free tier alongside its paid plans. FreeTier.co estimates the free tier at about $4.00/mo, and no credit card is required to sign up.
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
This free tier is a genuinely usable Basic plan that stays available for free forever, so it has real value even though it is capped and excludes the advanced paid features. The cheapest paid plan is Premium at $129/year, or about $10.75/month; Basic covers the core planning and simulation workflow, so it is worth roughly 40% of Premium, or about $4/month.
What's included in the free tier
Verified
- 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
- Everything in Basic plus
- Cash-Flow Projections
- Tax Optimization
- Withdrawal Strategies
- Deeper Insights
- Estate Planning
- What-If Scenarios
- Compare Mode
Pro
- client seats
- 10
- additional clients
- $2/month
- Everything in Premium, plus
- 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.
Common questions
Is ProjectionLab free forever?
Yes. ProjectionLab has a permanent free tier alongside its paid plans, though the allowance typically resets each month.
Does ProjectionLab require a credit card?
No. You can start on ProjectionLab's free tier without entering card details.
What happens when you exceed ProjectionLab's free tier?
You move to a paid plan. ProjectionLab's cheapest paid plan is Premium at $10.75 / month.
What is ProjectionLab's free tier worth?
ProjectionLab's free tier is worth about $4.00 per month. That maps to an FTV score of 51/100. The FTV score is explained at freetier.co/ftv.
