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ProjectionLab

ProjectionLab

Money & Personal Finance ResourcesFinancial CalculatorsTax ResourcesRetirement Planning
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Verified working Sep 19, 2026

Scenario-rich retirement planning with taxes, cash flow, and FIRE goals.

ProjectionLab is a web-based financial planning tool for modeling retirement, financial independence, major life events, taxes, investments, and estate outcomes. It lets users build long-range scenarios, run Monte Carlo simulations and historical backtests, compare drawdown and contribution strategies, and track actual progress against projections.

Why it stands out

  • Goes beyond simple retirement calculators by modeling life events such as part-time work, travel breaks, recurring purchases, rental income, and black-swan scenarios.
  • Built-in optimizer can coordinate Roth conversions, capital-gain harvesting, and withdrawal order around tax brackets, IRMAA cliffs, and ACA limits.
  • Manual-entry approach avoids requiring direct links to bank or brokerage accounts.
  • Includes both personal planning workflows and a separate advisor-focused version.
  • Supports a growing set of non-U.S. planning assumptions, rather than being limited to a single-country model.

Good to know

  • The free option is limited to basic retirement projections; advanced tax, cash-flow, optimization, estate, and withdrawal features require Premium.
  • Because it does not link to financial accounts, users need to enter and maintain their own data.
  • International planning is limited to the supported presets and account types, so coverage may not fit every country or situation.
  • Projection results depend heavily on user assumptions and model choices, and should not be treated as guaranteed outcomes.

Photos

Illustration for ProjectionLab