ProjectionLab
Model retirement plans, taxes, and future scenarios in a web-based planner.
At a glance
- Editor score9.6 / 10
- PricingFree plan · paid from $129/yr · 7-day trial
- Best forVisual planners wanting free scenario analysis
- Free planYes
- Tax modelingDetailed
- Founded2021
- Facts checked19 Sep 2026
Where it wins
- Free Basic plan includes forecasting, Monte Carlo, and historical backtesting
- Premium adds tax optimization, withdrawal strategies, and estate planning
- Compare what-if plans and model Social Security and legacy outcomes
Where it doesn't
- Financial information must be entered manually
- Direct financial-account linking is not supported
- Pro costs $549 per year, above Premium at $129 per year
Our verdict on ProjectionLab
ProjectionLab is web-based financial and retirement planning software for individuals, couples, and financial advisors who want to model long-term plans. It covers income, expenses, investments, taxes, withdrawals, and estate outcomes, with Monte Carlo simulations, historical backtesting, cash-flow analysis, Social Security estimates, and plan comparisons. Its visual cash-flow analysis includes Sankey diagrams. That breadth makes it relevant to people who want to explore how different assumptions and strategies could affect a retirement plan, rather than simply track balances.
The plan structure gives individual planners a free starting point. Basic is $0 per year and includes forecasting, financial planning, Monte Carlo simulations, historical backtesting, and flexible modeling. Premium costs $129 per year, billed annually, and adds cash-flow projections, tax optimization, withdrawal strategies, estate planning, what-if scenarios, and Compare Mode. Pro is $549 per year and is aimed at advisors, adding client management, an advisor dashboard, 10 client seats, and a directory listing. A seven-day free trial is also available. The paid tiers therefore separate expanded planning tools from advisor-oriented client features.
ProjectionLab runs on the web and integrates with Lunch Money, YNAB, Monarch Money, and the ProjectionLab Plugin API. However, financial information is entered manually; direct account linking is not supported, though third-party plugins can synchronize data from some external tools. That distinction matters for planners who expect their accounts to feed automatically into their projections. Choose ProjectionLab if scenario analysis, tax and withdrawal modeling, or advisor client tools fit your planning process. Consider another option if direct account syncing is essential or you prefer a simpler planning tool with less modeling depth.
ProjectionLab pricing
All 3 ProjectionLab plans and prices →
ProjectionLab fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Income projection | Yes |
| Savings growth projection | Yes |
| Withdrawal planning | Yes |
| Tax modeling | Detailed |
| Social Security modeling | Yes |
| Scenario analysis | Yes |
| Account synchronization | None |
| Free trial | 7 days |
| Deployment | Cloud |
| Platforms | Web |
| Integrations | 4 integrations: Lunch Money, YNAB, Monarch Money, ProjectionLab Plugin API |
| Pricing | Free plan · paid from $129/yr · 7-day trial (source) |
| Website | projectionlab.com |
| Facts checked | 19 Sep 2026 |
ProjectionLab integrations
ProjectionLab lists 4 integrations on its own site.
- Lunch Money
- YNAB
- Monarch Money
- ProjectionLab Plugin API
Alternatives to ProjectionLab
- BoldinA guided retirement plan with detailed projections, plus a free tier to get started.9.6
- Fidelity Planning & Guidance CenterA free planner with tax, Social Security, withdrawal and what-if analysis.8.6
- MaxiFiDeep lifetime and retirement planning across web, desktop, and mobile for an annual fee.7.4
See all ProjectionLab alternatives →
ProjectionLab vs the competition
- ProjectionLab vs Boldin
- ProjectionLab vs Fidelity Planning & Guidance Center
- ProjectionLab vs MaxiFi
- ProjectionLab vs The Complete Retirement Planner
- ProjectionLab vs Flexible Retirement Planner
- ProjectionLab vs RetireGolden
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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