ProjectionLab vs Retirement Budget Calculator
ProjectionLab
projectionlab.com
Retirement Budget Calculator
retirementbudgetcalculator.comSide by side
| Figure | ProjectionLab | Retirement Budget Calculator |
|---|---|---|
| Price from | $10.75/mo | $7.92/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | — |
| Plans published | 6 | 12 |
| Spec score · Retirement Planning Software | 9.0 (#3) | 8.5 (#6) |
| Purpose | ProjectionLab simulates personal financial and retirement scenarios to help users plan their financial future. | The calculator helps estimate retirement budgets, life expectancy, net worth, taxes, withdrawal strategies, Roth conversions, and whether someone can retire. |
| 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. | The privacy policy says the company maintains security measures but cannot guarantee information will remain free from unauthorized access, use, disclosure, or alteration. |
| Support | Support is available by email, through the Discord community, and via bookable educational 1-on-1 sessions. | Support is offered through the Contact Us page and [email protected]; premium subscribers also receive community-portal access. |
| What it does | ProjectionLab is a browser-based financial planner that models long-term household finances, milestones, cash flow, taxes and retirement outcomes. | The service estimates retirement budgets, life expectancy, net worth, taxes, withdrawal approaches, Roth conversions and retirement readiness. |
Plans
ProjectionLab
- BasicFree
- BasicFree
- Premium$129 a year
- Premium$129 a year
- Pro$549 a year
- Pro$549 a year
Retirement Budget Calculator
- Free PlanFree
- Free Plan (lifetime)Free
- Premium Plan$9.95 a month
- Premium Plan (monthly)$9.95 a month
- Premium Plan$95 a year
- Premium Plan (yearly)$95 a year
- Premium Plan$195, paid once
- Premium Plan (lifetime)$195, paid once
- Free Plan (monthly)Price not published
- Free Plan (yearly)Price not published
In their own words
ProjectionLab
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.
Retirement Budget Calculator
Retirement Budget Calculator is a web tool for estimating retirement budgets, cash flow, taxes, withdrawal strategies, Roth conversions, life expectancy, and net worth. Users can model retirement needs, compare scenarios and withdrawal approaches, and build a cash flow plan. Its free feature list includes a dashboard, retirement timeline, asset and liability tracking, and budgeting. Premium features include an advanced dashboard, retirement optimizer, federal 1040 tax estimator, AI assistant Finn, and community access. The Social Security Maximizer estimates suggested claiming dates, personal and spousal benefits, lifetime benefits and taxes, and end-of-life liquid assets. The site describes the calculator as designed for people age 55 and older preparing to retire. However, it is no longer available to new users; access is reserved for individuals and families working directly with Parker Financial LLC, while existing users can continue using accounts for now. Listed premium prices are $9.95 a month, $95 a year, and 195.00 USD for lifetime access. The privacy policy says AI chatbot interactions may be monitored and should not be considered private or confidential.