VOL. XCIV, NO. 247
A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES
ProjectionLab Review, Pricing, and Features
ProjectionLab
ProjectionLab models income, spending, investments, life events, financial independence, and estate outcomes. It supports what-if plans, Monte Carlo, historical tests, cash flow, and estimated tax. Basic is free; Premium adds deeper planning and Pro adds adviser tools. It is a manual model, not an account aggregator or broker.
Best for
- DIY investors planning retirement or financial independence looking to model life events, cash flow, taxes, withdrawals, and estate outcomes in one visual plan.
- People comparing retirement dates, savings paths, and spending choices with Monte Carlo simulations, historical backtests, and side-by-side what-if scenarios.
- Financial advisors and coaches looking for client-facing planning scenarios without adopting a full portfolio-accounting, trading, or custody platform.
Watch out
- Public product copy emphasizes drilling into each simulated year, so the model is not suited to month-by-month budgeting, transaction-level accounting, or short-horizon trading analysis.
- ProjectionLab has no direct financial-account linking. Users must maintain planning assumptions manually or rely on optional third-party plugins such as Lunch Money, YNAB, or Monarch Money imports.
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Pricing
Free • From $129/yr · 7-day trial · 3 plans
Basic
Free plan for forecasting, financial planning, Monte Carlo simulation, historical backtesting, and flexible modeling.
Premium
DIY financial and retirement planning plan with advanced cash-flow, tax, withdrawal, scenario, reporting, and estate tools.
Pro
Advisor and coach plan with client-plan management and 10 included client seats.
Key features
- Build long-range personal financial plans around income, expenses, assets, liabilities, family milestones, housing decisions, retirement timing, and financial-independence goals.
- Run Monte Carlo simulations to examine a range of possible outcomes and estimate a plan's chance of success under user-selected assumptions.
- Backtest plans against historical periods and explore the effect of market volatility, black-swan events, different investment strategies, and portfolio blends.
- Review year-by-year projections for net worth, estimated taxes, cash flow, account drawdown, and legacy outcomes.
- Compare what-if scenarios such as changing retirement dates, working part-time, taking time off, buying a home, moving, or adjusting spending and saving.
- Premium tools include cash-flow projections, tax estimation and optimization, withdrawal strategies, Roth-conversion and capital-gains-harvesting modeling, estate planning, downloadable reports, and multiple plans.
- Pro adds an advisor dashboard, client-plan management, 10 included client seats, and additional client seats priced separately.
- ProjectionLab does not link directly to bank or brokerage accounts; users enter data manually or use optional third-party plugins.
- ProjectionLab is a planning and simulation product, not trade execution, portfolio accounting, tax preparation, or individualized financial, tax, or legal advice.
FAQ
Is ProjectionLab free?
Not entirely. ProjectionLab includes a free tier, but its paid subscription options unlock more capacity. Visit the vendor site for current limits and pricing. A 7-day free trial is available on select plans.
Who is ProjectionLab best for?
ProjectionLab is built for Retail Traders, Long-term Investors, and Financial Advisors. It suits beginner, intermediate, and advanced users.
What platforms and connections does ProjectionLab support?
You can use ProjectionLab on Web. Integrations include JSON import and export, Lunch Money, YNAB, Monarch Money, and Plugin API.
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Who runs this
I'm Jera Value, and I write every record here myself. I'm an independent investor who likes code and value investing, and I keep these notes because I use the tools for my own research. When a page is wrong, I fix it and say so.
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