See Where Your Money Goes with Sankey Diagrams.

Build visual and interactive financial plans where experimentation is actually fun.

Sankey diagram showing the flow of money into and out of a financial plan

Understand your projections

ProjectionLab helps you build rich and interactive financial plans, and visually understand what happens in each simulated year.

See how money flows into your plan

Analyze transfers, withdrawals, outflows, and expenses

Visualize the big-picture changes over time

Sankey diagram in a financial plan depicting cash flowing to expenses, debt payments, and tax withholding

See cash flow over time

Watch how your yearly cash flow changes as you transition between different phases of your plan, from accumulation to drawdown during retirement.

Powerful insight into your financial future

Fast and fluid visualizations

Sankey diagram illustrating how income flows into a financial plan and also showing Roth Conversions

Model your life, your way

Do you have a specific career progression or expense pattern in mind? You can model that with the Advanced change-over-time editor.

Precisely control planned income and spending

Model nuanced career progression with ease

Detailed model of how income is expected to increase over time with career progression

Control all the assumptions

You can experiment with different models for inflation, investment growth rates, dividend yield, when you retire, life expectancy, stock/bond allocation, tax configuration, and more.

Assume simple fixed rates if you like

Or model using historical returns data

Or apply custom returns and inflation sequences

Or run Monte Carlo simulations

New to ProjectionLab?

Check out these links and resources

Pricing

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

What's New

See the changelog of recent updates and new features.

Roadmap

Check out the public roadmap and vote on upcoming features.

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Self-host your own independent deployment.

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Advisors

Explore the Pro version for financial advisors.

Chance of Success

Gauge your chance of success with Monte Carlo simulations.

About

Learn more of the backstory behind ProjectionLab.

Discord Community

Questions, discussion, early access features, and more.

Help Center

View frequently asked questions and helpful tips.

Designed for Everyone

What People are Saying

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

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

@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

@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

@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

@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

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

@TheFIShowGuys

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

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.

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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.