Build Financial Plans You Love.

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

Financial projection for FIRE with plot of net worth, assets, liabilities, savings rate, and time to financial independence

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
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
Figure out how to live life on your terms
Monte carlo retirement simulation showing projected net worth over time, median outcome, and overall chance of success

Keep your accounts secure

ProjectionLab has no link to your real financial accounts and the data you enter stays in your browser unless you choose otherwise. If you upgrade to Premium, you can choose between several data persistence options:
Cloud sync via Google Firebase
Or use browser localStorage only
Or import/export data manually
Or self-host your own independent deployment
User interface for modeling your current savings, investments, real assets, and debt

Track your progress over time

Journal and visualize your actual progress over time and compare against your initial projections.
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.
International tax configuration presets and templates for ProjectionLab

Free retirement planning

Run ad-hoc retirement simulations for free, but if you want to save your data between sessions consider upgrading for access to premium features like data persistence, tax estimation, and advanced visualizations.
Financial plan showing projected net worth over time calculating retirement
  • 🏝️Plan for early retirement
  • 🤑Cash-flow visualization
  • ✂️Tax planning and analytics
  • 👩🏻‍💼Model going part-time
  • ✈️Take time off for travel
  • 🔒No link to your accounts
  • 📈Historical backtesting
  • 🏘️Model rental income
  • 🔢More than a retirement calculator
  • 🏡Plan for buying a home
  • 🔥Calculate when you can FIRE
  • 🏦Roth conversions
  • 💵72t (SEPP) distributions
  • ❤️Get started for free
  • 🌍International scenarios
  • ✂️Tax estimation
  • 👨‍💻Self-host your own deployment
  • 🏠Better to rent vs own?
  • ⏰Time to Financial Independence
  • ✅Privacy-friendly
  • 🤑Sankey diagrams
  • ❤️You are not the product
  • 👨‍💻Developer support
  • 💼Pro version for advisors
  • 🧭Monte carlo simulations
  • 💰Project your future net worth
  • ✂️See your effective tax brackets
  • 💹Track your progress
  • 🦢Model black swan events
  • 💱Choose your currency
  • 🌍International account types
  • 📁Control where your data is saved
  • 💑Plan as a couple
  • 📉Test against market volatility
  • 💳Monthly, Annual, or Lifetime pricing
  • 🎓How fast to pay off student loans?
  • 🚙Model buying X every Y years
  • 📊Create custom plots

Designed for Everyone

What People are Saying

Physician on FIRE
Physician on FIRE
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!
Feb 7, 2023
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
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.
Aug 20, 2022
Great tool from a solo founder/developer - exciting potential, too.
Dec 3, 2022
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
Christian Hammerschmidt
Easy to use, nice pre-sets even for international users, active development and great community on Discord.
Mar 5, 2022
Jon Moore
Jon Moore
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.
Apr 16, 2023
Mr. Money Mustache
Mr. Money Mustache
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!
Sep 14, 2022
Philip Taylor, CPA
Philip Taylor, CPA
Did a refresh (25+ hrs of research) of our list of the Best Retirement Calculators around today. New to the list... ProjectionLab.
Mar 25, 2022
Xavier LV
Xavier LV
ProjectionLab is so intuitive, powerful, AND pretty. No-brainer sub IMO. 👏
Apr 16, 2023
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.
Brooklyn, NY
I work in the industry and absolutely love the fact that ProjectionLab doesn't ask to link accounts!
Ikhsan Rahardian
Ikhsan Rahardian
Dublin City, Ireland
Stellar and can't complain.
Jan 12, 2022
Ashley Antkowiak
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.
March 30, 2023
Shawn Sansom
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!
Nov 9, 2022
Rob Berger & Kevin Mercadante
On balance, ProjectionLab is an excellent tool to help you reach your financial independence or retirement goal.
Nov 28, 2022
Jose Chatelet
Jose Chatelet
Amazing way to visualize and plan your finances, love that it also has tax settings for other countries besides the USA
Dec 16, 2022
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.
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
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.
Jan 1, 2022
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!
Mar 30, 2023
The FI Show
The FI Show
The most robust financial planning tool we've ever seen!
Nov 15, 2022
Mark Stauber
Mark Stauber
Really love your product, subscribed in Jan. 22 and recommend it to everyone.
Apr 16, 2023
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.
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
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.
Nov 3, 2022

Disclaimer: The content, tools, and resources on 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.