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ProjectionLab

projectionlab.com

From $10.75/mo Free plan WebiOSAndroidAPIBrowser extension
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Spec score 9.0 #3 of 26 in Retirement Planning Software

What it is

ProjectionLab simulates personal financial and retirement scenarios to help users plan for different possible futures. Users can model life milestones, cash flow, estimated taxes, investment strategies, account types, withdrawals and estate outcomes. Monte Carlo simulations and historical backtesting let users explore potential outcomes. The free Basic plan includes forecasting, financial planning, simulations and backtesting. Premium adds tax optimization, Roth conversions, ACA subsidies, capital gains harvesting, international planning and advanced analytics, and costs $129 a year. Pro costs $549 a year and is aimed at financial advisors and coaches, with client management tools and 10 client seats. ProjectionLab does not directly link financial accounts, so users can make plans without supplying account numbers or connecting bank or brokerage accounts. The web app can be installed on mobile devices as a Progressive Web App; the maker says it has no formal mobile app. Support is available by email, Discord and bookable educational sessions.

Spec sheet

What it does
ProjectionLab is a browser-based financial planner that models long-term household finances, milestones, cash flow, taxes and retirement outcomes.Read 14 Oct 2026 · projectionlab.com
Purpose
ProjectionLab simulates personal financial and retirement scenarios to help users plan their financial future.Read 2 Oct 2026 · projectionlab.com
Integrations
Direct financial-account linking is not supported; plugins can sync Lunch Money, YNAB and Monarch Money data or run custom automations.Read 14 Oct 2026 · projectionlab.com
Security
The maker states that data is encrypted in transit with HTTPS/TLS and at rest with AES-256, and that it uses multifactor authentication and SOC 2 aligned controls.Read 2 Oct 2026 · projectionlab.com
Privacy
ProjectionLab says it does not sell planning data or use it for third-party advertising and lets users export or delete their data.Read 14 Oct 2026 · projectionlab.com
Support
Support is available by email, through the Discord community, and via bookable educational 1-on-1 sessions.Read 2 Oct 2026 · projectionlab.com
Founded
2021Read 28 Sep 2026 · projectionlab.com
Account linking limit
ProjectionLab does not currently support directly linking financial accounts.Read 2 Oct 2026 · projectionlab.com
API limitation
The documented interface is a plugin API rather than a general HTTP API, and restore methods can overwrite important data structures.Read 14 Oct 2026 · app.projectionlab.com
API operations
Documented API methods update accounts, export data, restore finances, plans, progress and settings, and validate keys.Read 14 Oct 2026 · app.projectionlab.com
Cash-flow visualization
Premium provides annual cash-flow projections displayed with Sankey diagrams.Read 14 Oct 2026 · thecollegeinvestor.com
Company background
Kyle says he started building ProjectionLab as a solo developer in 2021, and the company now describes itself as a small team.Read 2 Oct 2026 · projectionlab.com
Data privacy
ProjectionLab says it never sells user data, does not share planning data for advertising or marketing, and lets users export or delete their planning data.Read 2 Oct 2026 · projectionlab.com
Documentation
The Help Center has topic areas for accounts, cash flow, milestones, projections, taxes, investments, estate, progress, advisors, employers, billing and troubleshooting.Read 14 Oct 2026 · projectionlab.com
Estate planning
The product can model net legacy and estimate estate taxes and costs.Read 14 Oct 2026 · projectionlab.com
Financial account access
Users can plan without providing account numbers or connecting bank or brokerage accounts.Read 2 Oct 2026 · projectionlab.com
Funding model
ProjectionLab describes itself as bootstrapped, sustainable and grown without venture-capital funding.Read 14 Oct 2026 · cdn.projectionlab.com
Headquarters and size
Crunchbase lists Boston, Massachusetts as headquarters and a 1–10 employee range.Read 14 Oct 2026 · crunchbase.com
Historical backtesting
Historical backtesting is included in the free Basic tier and tests plans against past market periods.Read 14 Oct 2026 · thecollegeinvestor.com
Independent review rating
The College Investor rated ProjectionLab 4.1 out of 5 in its October 2026 review.Read 14 Oct 2026 · thecollegeinvestor.com
Intended audience
The Basic and Premium plans are for personal financial planning, while Pro is described as software for financial advisors and coaches and includes client management tools.Read 2 Oct 2026 · projectionlab.com
International planning
ProjectionLab offers international tax presets and account types, including examples for Canada, the United Kingdom, Australia, Germany, and the Netherlands.Read 2 Oct 2026 · projectionlab.com
International support
International presets and account types include Canada, the United Kingdom, Australia, Germany and the Netherlands.Read 14 Oct 2026 · projectionlab.com
Legal name
Crunchbase lists the legal name as ProjectionLab LLC.Read 14 Oct 2026 · crunchbase.com
Limit: account linking
Independent reviewers identify the lack of direct account linking as a limitation, leaving users to enter balances manually or rely on third-party plugins.Read 14 Oct 2026 · stockmarketstack.com
Limit: annual model
StockMarketStack reports that the simulation uses annual time steps and lacks month-by-month or day-by-day projections.Read 14 Oct 2026 · stockmarketstack.com
Limit: international depth
StockMarketStack says tax modeling is deepest for the United States and thinner for countries outside the US.Read 14 Oct 2026 · stockmarketstack.com
Limit: tax output
The College Investor notes that ProjectionLab estimates taxes for planning but does not file returns or replace tax software.Read 14 Oct 2026 · thecollegeinvestor.com
Maker founding
Kyle Nolan says he began building ProjectionLab as a solo developer in 2021.Read 14 Oct 2026 · projectionlab.com
Milestone planning
Users can represent events such as retirement, moves, home purchases and other life goals as milestones in a financial plan.Read 14 Oct 2026 · projectionlab.com
Mobile access
ProjectionLab is a web app that can be installed on a mobile device as a Progressive Web App; the maker says it does not currently have a formal mobile app.Read 2 Oct 2026 · projectionlab.com
Mobile availability
There is no native mobile application; the service can be installed on phones as a Progressive Web App.Read 14 Oct 2026 · cdn.projectionlab.com
Modeling
Users can model life milestones, cash flow, estimated taxes, investment strategies, account types, withdrawals, and estate outcomes.Read 2 Oct 2026 · projectionlab.com
Monte Carlo
Chance of Success runs plans repeatedly with varying returns and inflation to estimate the share of trials that reach the end without exhausting money.Read 14 Oct 2026 · projectionlab.com
Notable news
ProjectionLab announced a Lunch Money partnership on January 7, 2026 to sync budgeting data.Read 14 Oct 2026 · projectionlab.com
Notable release
Version 4.6.0 released April 20, 2026 with tax strategies, richer chance-of-success charts and a redesigned interface.Read 14 Oct 2026 · cdn.projectionlab.com
Open-source status
The public pages reviewed document a hosted web product and plugin API but do not state an open-source licence.Read 14 Oct 2026 · app.projectionlab.com
Optimization
Optimize can test combinations of Roth conversions, gain harvesting and drawdown order against targets such as tax brackets, IRMAA cliffs or ACA limits.Read 14 Oct 2026 · projectionlab.com
Plugin API
The public browser API is exposed as window.projectionlabPluginAPI and requires an API key.Read 14 Oct 2026 · app.projectionlab.com
Praise: customization
The College Investor praised the ability to customize income, expenses, life events, returns, inflation, taxes and life expectancy assumptions.Read 14 Oct 2026 · thecollegeinvestor.com
Praise: simulations
The College Investor highlighted Monte Carlo simulations and historical backtesting as useful ways to stress-test retirement plans.Read 14 Oct 2026 · thecollegeinvestor.com
Progress tracking
Users can record actual financial progress and compare it with their original projections.Read 14 Oct 2026 · projectionlab.com
Security certifications context
ProjectionLab runs on Google Cloud infrastructure covered by SOC 1, SOC 2, SOC 3 and ISO 27001 certifications, which the company says apply to Google Cloud rather than ProjectionLab itself.Read 14 Oct 2026 · projectionlab.com
Security controls
The service supports email or Google sign-in, TOTP or SMS multi-factor authentication, database-level account isolation and least-privilege administrative access.Read 14 Oct 2026 · projectionlab.com
Security encryption
Connections use HTTPS/TLS and stored Firestore data uses AES-256 encryption at rest.Read 14 Oct 2026 · projectionlab.com
Self-hosting
ProjectionLab ended self-hosting updates and is focusing future releases on the web version.Read 14 Oct 2026 · cdn.projectionlab.com
Simulation
The product includes Monte Carlo simulations and historical backtesting to explore possible financial outcomes.Read 2 Oct 2026 · projectionlab.com
Support channels
Support is offered through a 24/7 Help Center, Discord, Reddit, email and paid one-to-one sessions.Read 14 Oct 2026 · projectionlab.com
Tax planning
Premium models Roth conversions, capital-gains harvesting, withdrawal order and ACA subsidy thresholds for planning purposes.Read 14 Oct 2026 · thecollegeinvestor.com
Tax tools
Premium includes tax optimization, Roth conversions, ACA subsidies, tax estimation, capital gains harvesting, and advanced analytics.Read 2 Oct 2026 · projectionlab.com

Plans and prices

Basic Free $0 / year Forecasting · Financial Planning · Monte Carlo Simulations · Historical Backtesting · Flexible Modeling Read 2 Oct 2026 · projectionlab.com
Basic Free $0 / year Forecasting · Financial Planning · Monte Carlo Simulations · Historical Backtesting · Flexible Modeling Read 14 Oct 2026 · cdn.projectionlab.com
Premium $129 a year $129 / year Everything in Basic plus cash-flow projections, tax optimization, withdrawal strategies, estate planning, multiple plans, advanced analytics, international planning, flexible spending, and premium support Read 2 Oct 2026 · projectionlab.com
Premium $129 a year $129 / year 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 · Premium Support Read 14 Oct 2026 · cdn.projectionlab.com
Pro $549 a year $549/ year Everything in Premium · 10 client seats · Additional clients for $2/month · Directory listing Read 2 Oct 2026 · projectionlab.com
Pro $549 a year $549 / year Create and Manage Clients · Advisor Dashboard · 10 Client Seats · Additional Clients for $2/month · Directory Listing Read 14 Oct 2026 · cdn.projectionlab.com

Every ProjectionLab plan and price →

Strong points and limits

Strong points

  • Free Basic plan includes forecasting and backtesting.
  • Models cash flow, taxes, investments and withdrawals.
  • Supports Monte Carlo simulations and historical backtesting.
  • Planning does not require linked financial accounts.
  • Planning data can be exported or deleted.

Limits

  • Does not directly link financial accounts.
  • No formal mobile app.
  • Premium costs $129 a year.
  • Pro costs $549 a year.

Who it suits

ProjectionLab suits people planning personal finances and retirement, including those who want to model taxes, withdrawals or international scenarios. Its Pro plan is intended for financial advisors and coaches who need client management tools.

ProjectionLab in depth

Read the full write-up

Overview

ProjectionLab is a personal finance and retirement planner for building and comparing long-range scenarios. It suits people who want control over their assumptions and do not need automatic bank feeds. Its modeling reaches well beyond a basic retirement calculator, but keeping the plan current means working without direct financial-account connections.

Key features

Users can model milestones, cash flow, estimated taxes, investment strategies, account types, withdrawals and estate outcomes. Monte Carlo simulations and historical backtesting provide different ways to consider uncertainty and past market conditions; they are useful for comparing possible paths, not promises about results. Detailed tax modeling, income and savings projections, withdrawal planning and Social Security modeling make it possible to examine several consequential parts of a retirement plan in one place.

Premium adds tax optimization, Roth conversions, ACA subsidies, tax estimation, capital gains harvesting and advanced analytics. International tax presets and account types include examples for Canada, the United Kingdom, Australia, Germany and the Netherlands, a practical advantage for cross-border planning. Plugins from third parties can sync Lunch Money and YNAB, import Monarch Money data or support custom automations. These options do not change the central limitation: ProjectionLab has no direct account synchronization, so users should expect to provide or update their own planning inputs.

Planning does not require account numbers or bank and brokerage connections. The maker says data is encrypted in transit with HTTPS/TLS and at rest with AES-256, and cites multifactor authentication and SOC 2 aligned controls. It also says it does not sell user data or share planning data for advertising or marketing, and that users can export or delete their data. Support is available by email, in the Discord community and through bookable educational one-on-one sessions.

Pricing

ProjectionLab is freemium, with a 7-day trial and three annual plans. Basic costs nothing (billed $0 / year) and includes forecasting, financial planning, Monte Carlo simulations, historical backtesting and flexible modeling. It is a sensible starting point for individuals who want to build scenarios without paying, but it omits the expanded planning tools and support in Premium.

Premium costs $129 a year (billed $129 / year). It includes everything in Basic plus cash-flow projections, tax optimization, withdrawal strategies, estate planning, multiple plans, advanced analytics, international planning, flexible spending and premium support. This is the relevant tier for individuals who need those tools, particularly tax or international modeling; the annual price is the trade-off for that broader scope.

Pro costs $549 a year (billed $549/ year) and includes everything in Premium, 10 client seats and a directory listing. Additional clients cost $2/month. It is aimed at financial advisors and coaches using client management tools, rather than individuals who only need a personal plan.

Platforms

ProjectionLab supports web use and access on Android and iOS through an installable Progressive Web App, not a formal mobile app. That can make a plan accessible on a phone, but users seeking a native mobile application should look elsewhere. The platform facts also include an API. ProjectionLab is a web app, and its lack of direct account linking means broad device access does not remove the need to manage financial inputs.

Who it's for

ProjectionLab is strongest for individuals who want to compare retirement and financial scenarios in detail, including taxes, withdrawals and estate outcomes, while retaining control of their financial data. Premium is the better fit for people who need its expanded tax, international or multi-plan tools. Advisors and coaches should consider Pro for its client seats and management tools. It is a weaker choice for anyone who expects automatic account syncing or a formal mobile app.

Pros and cons

Broad scenario modeling: Milestones, taxes, investment strategies, withdrawals and estate outcomes can be considered together, with simulations and backtesting to compare possibilities.

Privacy without account connections: Users can plan without providing account numbers or linking bank or brokerage accounts, and the maker describes encryption, multifactor authentication and data export and deletion controls.

Useful higher-tier planning tools: Premium adds detailed tax features and international presets, while Pro provides a client-oriented tier for advisors and coaches.

Manual upkeep: No direct account synchronization means users must supply and maintain their planning inputs; third-party plugins are not native account connections.

No formal mobile app: Phone access relies on an installable web app, which will not suit users who require a native app.

Alternatives

Boldin is worth considering for a free starting tier that includes 100+ inputs, two interactive explorers, 10+ charts and up to five Boldin AI questions per day; ProjectionLab's Basic instead emphasizes flexible modeling, simulations and backtesting.

MaxiFi may suit users who want a paid product with a free 14-day trial, a detailed lifetime plan, comparison of three alternate scenarios, customer support and orientation.

Flexible Retirement Planner is an option for free individual non-commercial use, including educational use by educators and trainers.

RetireePlan is a free, open-source option.

Retirement Budget Calculator is an alternative for readers looking for a free lifetime tier for basic retirement budgeting and asset tracking, with a paid monthly tier also available.

Retireator is a free, open-source retirement simulator.

Fidelity Planning & Guidance Center is a free plan-generation option, though investment expenses and account transaction fees may still apply.

FIRECalc is a free core retirement calculator; supporter registration can provide some additional features on request.

Browse Retirement Planning Software or Financial Planning Software for more options.

Verdict

Choose ProjectionLab if you want detailed, flexible financial and retirement scenario modeling without connecting your accounts, especially if Premium's tax and international tools match your needs. The main reason to look elsewhere is its manual-input workflow: users who rely on automatic account syncing, or who require a formal mobile app, will be better served by another product.

Verdict

ProjectionLab offers scenario modeling without requiring bank or brokerage connections. Its mobile access is through an installable web app rather than a formal mobile app.

Where Specifiction places it

Alternatives to ProjectionLabAll alternatives →