ProjectionLab simulates retirement, tax, and estate plans. Free Basic plan; Premium is $129/year, Pro for advisors $549/year. See features and verdict.
Researched and fact-checked by Bartu Cavusoglu · Updated October 26, 2026
ProjectionLab is a financial and retirement planning tool that lets people simulate their financial future. It describes itself as capturing details that basic retirement calculators miss, such as milestones, account types, taxes, and estate plans. Users build a model of their whole life's finances and review a range of possible outcomes rather than a single number.
The product was started in 2021 by Kyle, a solo developer who wanted a better financial plan for himself. The site now describes the company as a small team. ProjectionLab does not ask users to link their financial accounts, and it says it never sells user data. Plans range from a free Basic tier to Premium and a Pro version for advisors.
Users enter income, expenses, accounts, and expected life events, then define milestones such as a career change, a home purchase, or retirement. ProjectionLab turns these inputs into a projection of net worth over time. Users can drill into each simulated year to review estimated taxes, cash flow, and withdrawals.
Plans can be tested in several ways. Monte Carlo simulations estimate the chance of success, and historical backtesting checks a plan against past market data. Users can also experiment with investment strategies, account types, contribution orders, drawdown options, and portfolio blends. Multi-condition milestones can represent how a person would react to different market conditions.
Cash flow is visualized with Sankey diagrams, and a cash flow priorities module lets users compare choices such as paying off debt early versus investing more. Tax analytics show estimated taxes and effective tax brackets. Estate planning models net legacy and estimated estate taxes. Users can plan as a couple and model rental income, part-time work, time off for travel, and black swan events.
The Optimize feature tests hundreds of strategies in seconds. It coordinates Roth conversions, capital gain harvesting, and drawdown order, and can target federal brackets, IRMAA cliffs, or ACA limits. A strategy can be applied in one click. A progress tracker compares actual results with initial projections, and international presets cover Canada, the UK, Australia, Germany, and the Netherlands.
ProjectionLab is a financial and retirement planning tool that simulates a person's financial future. It models milestones, taxes, cash flow, investments, and estate planning to show a range of possible outcomes.
Basic is free at $0 per year. Premium costs $129 per year, and Pro for advisors costs $549 per year. The homepage also mentions monthly, annual, or lifetime pricing.
Yes. The Basic plan is free and includes forecasting, Monte Carlo simulations, and historical backtesting. Premium and Pro both list a free trial option.
No. The site states there is no link to your accounts, and users enter their own financial details. The company also says it never sells user data.
It suits individuals planning retirement or financial independence who want detailed scenario modeling. Financial advisors and coaches can use the Pro plan, and employers can offer it as a wellness benefit.
Yes. Users can choose a display currency and use tax presets and account types for countries including Canada, the United Kingdom, Australia, Germany, and the Netherlands.
Yes. The Pro plan at $549 per year includes client management, an advisor dashboard, and 10 client seats. Additional clients cost $2 per month, and advisors get a directory listing.
The source pages name no software integrations. Support is available through a Discord community, email at support@projectionlab.com, and 1-on-1 training sessions.