The Finance Base / Retirement planning tools / ProjectionLab
projectionlab.com
ProjectionLab
ProjectionLab is a web-based tool for modeling household finances over time, including cash flow, milestones, taxes, investments, withdrawals and retirement outcomes. Its no-cost Basic tier offers forecasting, adaptable models, Monte Carlo analysis and historical backtesting. Premium adds tax and…
Visit projectionlab.com ↗ What it costs
- 8.7 No. 1on Retirement planning tools
- Free plan · paid from $129/yr · 7-day trialprice, as published
- Oct 14, 2026read on
What ProjectionLab costs
- Basic Free
- Premium $129 / year
- Pro $549 / year
Basic is free. Premium costs $129 annually following a 7-day trial. Pro costs $549 per year and includes 10 client seats; extra clients cost $2 a month each.
As cdn.projectionlab.com publishes them, read Oct 14, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Yes
- Runs on
- iPhone Android Web
- Facts on record
- 51
Strengths and limits
Strengths
- The free Basic tier includes Monte Carlo simulations and historical backtesting.
- Premium includes Roth conversion, ACA subsidy and capital-gains planning.
- Models milestones, taxes, withdrawals, estate outcomes and progress.
- International presets cover five listed countries.
Limits
- No direct linking to bank or brokerage accounts.
- No native iPhone or Android app; phone use is a web app.
- Self-hosting updates have ended.
- Some imports and automations rely on third-party plugins.
What ProjectionLab does
ProjectionLab models long-term household finances, including income, savings growth, investments, withdrawals, taxes, Social Security and retirement outcomes. Users can represent events such as moving, buying a home or retiring as milestones.
The software reruns plans using different return and inflation assumptions through Monte Carlo analysis, and it can measure them against earlier market periods. Users can also track actual progress against an original projection and model net legacy, estate taxes and related costs.
Fees and plans
Basic has no annual charge. It offers forecasting, financial planning, Monte Carlo analysis, historical backtesting and flexible modeling.
Premium is priced at $129 per year and comes with a seven-day trial. This tier adds 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 and premium support.
Pro is priced at $549 annually. ProjectionLab positions this plan for financial advisors and coaches, providing client management, an advisor dashboard, 10 client seats and a directory listing. Additional clients cost $2 a month each.
Where it runs
The service is delivered through a browser and may be installed on a phone as a Progressive Web App. The maker says it has no formal native mobile app, so phone access uses the installed web experience rather than a separate iPhone or Android application.
The published platform list includes web, iOS, Android, an extension and an API. Its public browser plugin API requires an API key. ProjectionLab has stopped updating its self-hosted version and is directing future releases to the web product.
Protection, as ProjectionLab publishes it
ProjectionLab says connections use HTTPS/TLS and stored Firestore data uses AES-256 encryption at rest. It supports email or Google sign-in, TOTP or SMS multifactor authentication, database-level account isolation and least-privilege administrative access.
The company says planning information is not sold or shared for third-party advertising, and users may export or delete it. Planning can be done without supplying account numbers or linking bank or brokerage accounts.
ProjectionLab says it runs on Google Cloud infrastructure covered by SOC 1, SOC 2, SOC 3 and ISO 27001 certifications, while noting those certifications apply to Google Cloud rather than ProjectionLab itself.
Strengths
The free tier includes historical backtesting and Monte Carlo simulations, not only basic projections.
Premium offers detailed tax planning for Roth conversions, capital-gains harvesting, withdrawal order and ACA subsidy thresholds. Its international presets cover Canada, the United Kingdom, Australia, Germany and the Netherlands.
Users can record progress, compare plans, and use plugins that sync Lunch Money or YNAB data, import Monarch Money data or support custom automations. Those plugins are made by third parties.
Catches to check
ProjectionLab lacks direct financial-account connections at present. Its documented browser interface is a plugin API rather than a general HTTP API, and restore methods may overwrite important data structures.
The mobile option is a Progressive Web App, not a native phone app. Updates for self-hosting have been discontinued. Third-party plugins may be needed for some data imports or automations.
Basic and Premium target personal planning. Pro is intended for advisors and coaches, with the listed price covering 10 client seats before the additional-client charge.
Who may want another tool
ProjectionLab may not fit someone who needs direct bank or brokerage synchronization, a native mobile app or continuing self-hosted updates.
Verdict
ProjectionLab suits people who want a browser-based way to map household finances over many years, test assumptions against historical periods and explore taxes, withdrawals, estate outcomes and international settings. Basic offers a free entry point, while Premium adds the more detailed tax and cash-flow capabilities. Pro is structured for advisors and coaches rather than ordinary household use. The lack of direct account connections and a native phone app matters for anyone expecting automatic synchronization or a dedicated mobile download.
Who it suits
Pick it if
- Households modeling retirement, taxes and long-term cash flow
- Advisors needing client seats and an advisor dashboard
- Users wanting historical and Monte Carlo scenario tests
Skip it if
- You need automatic bank or brokerage synchronization.
- You require a native mobile app or ongoing self-hosted releases.
- You want a tool limited to simple budgeting rather than detailed projections.
Facts we read
- Account linking limitProjectionLab does not currently support directly linking financial accounts. · projectionlab.com, Oct 2, 2026
- API limitationThe documented interface is a plugin API rather than a general HTTP API, and restore methods can overwrite important data structures. · app.projectionlab.com, Oct 14, 2026
- API operationsDocumented API methods update accounts, export data, restore finances, plans, progress and settings, and validate keys. · app.projectionlab.com, Oct 14, 2026
- Cash-flow visualizationPremium provides annual cash-flow projections displayed with Sankey diagrams. · thecollegeinvestor.com, Oct 14, 2026
- Company backgroundKyle says he started building ProjectionLab as a solo developer in 2021, and the company now describes itself as a small team. · projectionlab.com, Oct 2, 2026
- Data privacyProjectionLab says it never sells user data, does not share planning data for advertising or marketing, and lets users export or delete their planning data. · projectionlab.com, Oct 2, 2026
- DocumentationThe Help Center has topic areas for accounts, cash flow, milestones, projections, taxes, investments, estate, progress, advisors, employers, billing and troubleshooting. · projectionlab.com, Oct 14, 2026
- Estate planningThe product can model net legacy and estimate estate taxes and costs. · projectionlab.com, Oct 14, 2026
- Financial account accessUsers can plan without providing account numbers or connecting bank or brokerage accounts. · projectionlab.com, Oct 2, 2026
- Founded2021 · projectionlab.com, Sep 28, 2026
- Funding modelProjectionLab describes itself as bootstrapped, sustainable and grown without venture-capital funding. · cdn.projectionlab.com, Oct 14, 2026
- Headquarters and sizeCrunchbase lists Boston, Massachusetts as headquarters and a 1–10 employee range. · crunchbase.com, Oct 14, 2026
- Historical backtestingHistorical backtesting is included in the free Basic tier and tests plans against past market periods. · thecollegeinvestor.com, Oct 14, 2026
- Independent review ratingThe College Investor rated ProjectionLab 4.1 out of 5 in its October 2026 review. · thecollegeinvestor.com, Oct 14, 2026
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Questions
Is ProjectionLab free?
Yes. The Basic tier costs nothing and covers forecasting, financial planning, Monte Carlo analysis, historical backtesting and flexible modeling.
What does Premium cost?
Premium is $129 per year with a 7-day trial. It adds tax, withdrawal, estate, cash-flow, reporting and international planning features.
Does ProjectionLab link bank accounts?
No. Direct financial-account connections are not currently available. Planning does not require account numbers or linked bank or brokerage accounts.
Can I use ProjectionLab on a phone?
You can install the browser product on a phone as a Progressive Web App. The maker says there is no formal native mobile app.
What is the Pro plan?
ProjectionLab presents Pro as a plan for financial advisors and coaches. At $549 a year, it includes an advisor dashboard, 10 client seats, client management and a directory listing. Extra clients cost $2 a month each.
Does it support international planning?
Premium offers international presets and account types for Canada, the United Kingdom, Australia, Germany and the Netherlands.
How does ProjectionLab describe data protection?
ProjectionLab says it uses HTTPS/TLS, AES-256 encryption at rest, multifactor authentication and database-level account isolation. Users can export or delete planning data, according to the company.
Is ProjectionLab yours?
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