ProjectionLab - Modern Financial & Retirement Planning Tools

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Build Financial Plans You Love

Simulate your financial future and chart a course toward your best life.

Start planning

Financial planning software with plot of net worth, assets, liabilities, savings rate, and time to financial independence

Physician on FIRE logoMad Fientist logoChooseFI logoThe Financial Independence Show logoPart-Time Money logoWallet Hacks logo

Plan with nuance

ProjectionLab captures the important details in life that other retirement calculators miss. You'll find it easy and intuitive to build simple but rich financial plans that truly represent you, your loved ones, and the paths you choose.

__Define the milestones that matter to you

__Plan for financial independence and other goals

__Gauge your chance of success

__Reduce anxiety around your finances

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Life milestones like your personal definition of financial independence and when you would like to retire

Visualize your whole life

Build a living model of your whole life's finances and discover the spectrum of possible outcomes. Identify trade-offs, backtest against historical data, and experiment with different investment strategies, account types, contribution orders, drawdown options, and portfolio blends over time.

__Drill into each simulated year in detail

__Analyze estimated taxes, cash-flow, drawdown, and more

__Model estate planning and what you leave behind

__Figure out how to live life on your terms

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Monte carlo retirement simulation showing projected net worth over time, median outcome, and overall chance of success

Optimize your future

Test hundreds of strategies in seconds. Optimize coordinates Roth conversions, capital gain harvesting, drawdown order, and more to find the combination that works best for your plan.

__Target federal brackets, IRMAA cliffs, or ACA limits

__See the impact on net worth, taxes, and legacy

__Apply a strategy in one click

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Chart visualizing a tax strategy in action across multiple years, highlighting Roth conversions, shielded withdrawals, and gain harvesting

New to ProjectionLab?

Check out these links and resources

Chance of SuccessGauge your chance of success with Monte Carlo simulations.

Cash FlowAnalyze cash flow with Sankey diagrams.

Tax AnalyticsReview detailed tax estimates and analytics.

OptimizeAutomate advanced tax strategies throughout your plan.

Estate PlanningModel your net legacy and estimate estate taxes.

PricingReview pricing and choose the plan that's right for you.

💼AdvisorsExplore the Pro version for financial advisors.

Financial WellnessShare ProjectionLab as a benefit for your employees.

BlogRead the latest posts, updates, and articles.

Track your progress over time

Journal and visualize your actual progress over time and compare against your initial projections.

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Plot of historical net worth, assets, and liabilities over time

Test international scenarios

Choose your display currency and try out our growing list of international tax presets and account types, including Canada, the United Kingdom, Australia, Germany, the Netherlands, and more.

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International tax configuration presets and templates for ProjectionLab

Free retirement planning

Run basic retirement projections for free. Upgrade to Premium for advanced features like tax estimation, cash-flow projections, tax optimization, withdrawal strategies, flexible spending, tax analytics, estate planning, and more.

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Retirement planning software showing projected net worth over time calculating retirement

Designed for Everyone

What People are Saying

Physician on FIRE

Physician on FIRE

@PhysicianOnFIRE

ProjectionLab is a powerful tool that can help you visualize your investments, expenses, and more over time under all sorts of different scenarios.

It's like Personal Capital's Retirement Planner on anabolic steroids!

Samantha S.

Nonprofit Communications Director

ProjectionLab is an important part of my financial toolkit that helps me understand where I'm at and where I want to go.

While there is a lot in life outside my control, ProjectionLab helps me make informed decisions that bring me closer to financial freedom. The level of detail and variety of variables is impressive and fun for those of us who really like to dig into the numbers.

Jackie Scholl

ProjectionLab has empowered me to plan my future! I can write down how much I expect to earn and spend, and what big purchases and moves I expect to make in the future, and then ProjectionLab allows me to play with hundreds of possible futures to answer critical questions like "when should I retire?" and "how much will it cost to move to a higher-tax state?"

Tip: multi-condition milestones are great for creating complex decision trees to represent how you would react to different market conditions.

king_ollo

king_ollo

u/king_ollo

Great tool from a solo founder/developer - exciting potential, too.

James Tribbitt

Financial Coach

ProjectionLab is the perfect tool for both beginners and advanced users who want to see the big picture of their future finances. It's so intuitive and quick to set up!

Aaron N.

Financial Analyst

This was a game-changer for me. Ever since I started using ProjectionLab, I have been more focused on saving money, investing, and paying down debt.

Retiring early is finally looking realistic for me.

Christian Hammerschmidt

Easy to use, nice pre-sets even for international users, active development and great community on Discord.

Jon Moore

Jon Moore

@TheJMoore

If you don't already use ProjectionLab and you care about personal finance, it's time to start!

Hands down my favorite app that I use. Easy.

Mr. Money Mustache

Mr. Money Mustache

@mrmoneymustache

Just wanted to highlight an excellent new-ish FIRE / finance plannning tool, by the talented Kyle Nolan.

I have no affiliation to the project, but it's rare to see something so well-made by an indie developer. Lemme know your thoughts!

Philip Taylor, CPA

Philip Taylor, CPA

@ptmoney

Did a refresh (25+ hrs of research) of our list of the Best Retirement Calculators around today. New to the list... ProjectionLab.

Xavier LV

Xavier LV

@xavierelv

ProjectionLab is so intuitive, powerful, AND pretty. No-brainer sub IMO. 👏

Jack

VP of Operations

I'm a huge fan of ProjectionLab and it's become the tool I regularly use to plan, test, and visualize my financial plan.

I love that I don't need to connect any financial accounts and how easy it is to jump in and get started modeling out various scenarios. The slick, fast and modern interface has increased my confidence in being able to plan and forecast better over the long term.

Danish

Brooklyn, NY

I work in the industry and absolutely love the fact that ProjectionLab doesn't ask to link accounts!

Ikhsan Rahardian

Dublin City, Ireland

Stellar and can't complain.

Ashley Antkowiak

Entrepreneur and investor

I've used projection lab for about a year and absolutely love it. It makes me feel completely in control of not just my day-to-day finances, but also retirement, large purchases, and things like figuring out whether I'm saving too much vs investing, etc.

The cash flow priorities module is my favorite thing, and such a powerful tool! I've used it many times to play with the consequence of paying off debt early vs investing more, spending vs saving leftover income and so much more.

Thank you for creating this incredible program! I hope to use it for years to come.

Shawn Sansom

ProjectionLab is already a strong offering as a personal financial modeling tool, and the feature set continues to grow. The future looks bright for PL!

RobBerger.com

Rob Berger & Kevin Mercadante

On balance, ProjectionLab is an excellent tool to help you reach your financial independence or retirement goal.

Jose Chatelet

Amazing way to visualize and plan your finances, love that it also has tax settings for other countries besides the USA

Ankush

Software Engineer

ProjectionLab has helped me reduce my anxiety around my finances! I love how it helps me evaluate multiple scenarios, so I can more confidently make decisions like buying vs renting or working a more demanding job vs one with a better work/life balance.

Hugues

Data Scientist

ProjectionLab is the tool to finally take control over my financial life. It's given me the ability to think long term and play out different scenarios of how my financial life could unfold.

James Bernsen

I have been using ProjectionLab for about two years now, and it is the most feature-comprehensive financial planning tool I have ever used. It provides a complete picture of my future financial outlook and gives me confidence in my ability to (one day) retire successfully.

The Mad Fientist

The Mad Fientist

Brandon Ganch

ProjectionLab is the most beautiful financial planning tool I've ever seen.

And, it was created specifically for people pursuing FIRE, so it's also the most-useful planning tool I've found for FI!

The FI Show

The FI Show

@TheFIShowGuys

The most robust financial planning tool we've ever seen!

Mark Stauber

Mark Stauber

@mark_stauber

Really love your product, subscribed in Jan. 22 and recommend it to everyone.

Marcel

Software Engineer

ProjectionLab is the most advanced and full featured financial simulation tool I've ever used. It's changed the way I visualize and plan for Financial Independence.

Shafqat A.

Entrepeneur, San Francisco

I'm fortunate enough to be considering early retirement. ProjectionLab is the only product that allows me to quickly model all my financial goals - like taking care of my parents, giving to charity, and preparing for a family.

It doesn't just tell me when I'll run out of money- it helps me visualize what different retirement dates and lifestyles look like over the next 60 years. It's beautiful, practical and extremely well designed.

I've been waiting for a tool like this for years!

Nathan B.

Engineer

ProjectionLab helped me model my multi-phase retirement plan with multiple sources of income. The level of detail possible with ProjectionLab is unmatched by other tools. I'm more confident in my plan because of ProjectionLab!

Steven Brown

Everything I could wish for. Mint is nice for budgeting, but for planning, this does it all! Very detailed and accurate. This is a retirement plan that I can trust.

The other calculators that return wildly different results from each other don't hold a candle to this.

Load More Disclaimer: The content, tools, and resources on ProjectionLab.com are intended solely for informational and educational purposes and should not be construed as professional financial or investment advice. Our materials are designed to provide general guidance and are based on the input and data provided by users. ProjectionLab makes no guarantee of the accuracy, completeness, or applicability of this content to individual circumstances. Effective financial planning and investment involve comprehensive consideration of a wide array of personal financial factors. The tools and resources available on ProjectionLab are aimed at helping users develop an understanding of their financial trajectory. However, they should not be solely relied upon for creating a complete financial plan. We strongly recommend consulting a financial services professional who can provide personalized advice based on your unique financial situation before making any significant financial decisions. While we endeavor to keep the information on ProjectionLab current and accurate, the content may differ from that found on other financial institutions, service providers, or specific product sites. All content and tools on ProjectionLab are provided without any guarantees or warranties of any kind.