ProjectionLab
Modern Financial & Retirement Planning Tools
ProjectionLab is a web-based financial and retirement planning application that lets users build a detailed model of their income, spending, accounts, and goals, then run simulations to explore possible outcomes over time. It is designed to capture life details that simpler retirement calculators may miss, including milestones, major purchases, career changes, and estate considerations, without requiring users to connect bank or brokerage accounts.
Core capabilities include Monte Carlo simulations, historical backtesting, cash-flow projections with Sankey diagrams, tax estimation and analytics, tax optimization for Roth conversions and capital gain harvesting, withdrawal strategies such as drawdown order and 72t distributions, estate planning, and progress tracking against initial projections. The platform supports international scenarios with selectable display currencies and tax presets for countries including Canada, the United Kingdom, Australia, Germany, and the Netherlands. It runs in the browser and uses encryption in transit and at rest, multi-factor authentication, and account deletion controls.
ProjectionLab is aimed at individuals planning for financial independence, early retirement, or other long-term goals, as well as financial advisors through a Pro version and employers offering financial wellness benefits. A free tier covers basic retirement projections, while Premium unlocks advanced features such as tax estimation, cash-flow projections, tax optimization, withdrawal strategies, and estate planning. Pricing is available on monthly, annual, or lifetime terms.
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