Build a Financial Plan For FIRE.

Calculate financial independence and when you can retire early.

FIRE calculation showing plot of net worth, assets, liabilities, savings rate, and time to financial independence

Plan for FIRE

Capture the important details that other FIRE calculators miss. Build a financial plan that truly represent you, your loved ones, and simulate your financial future.
Define what financial independence means to you
Plan for Lean FIRE, Coast FIRE, Fat FIRE, or other goals
Gain peace of mind about your financial future
Life milestones like your personal definition of financial independence and when you would like to retire

Calculate chance of success

Determine your success rate in achieving financial independence with our advanced simulations. Explore different scenarios and make informed decisions for a secure early retirement.
See how every decision affects financial independence
Run Monte Carlo simulations for retirement planning
Backtest your plan against historical data
Monte carlo retirement simulation showing projected net worth over time and overall chance of early retirement success

Visualize your whole life

Build a living model of your whole life's finances and discover the spectrum of possible outcomes. Identify trade-offs and experiment with different investment strategies, account types, contribution orders, drawdown options, and portfolio blends over time.
See how money flows in your plan
Estimated taxes, cash-flow, withdrawal rates, and more
Drill into each simulated year in detail
Cash flow diagram showing the flow of money into and out of financial independence plan
  • 🏝ïļPlan for early retirement
  • ðŸĪ‘Cash-flow visualization
  • ✂ïļTax planning and analytics
  • ðŸ‘ĐðŸŧ‍💞Model going part-time
  • ✈ïļTake time off for travel
  • 🔒No link to your accounts
  • 📈Historical backtesting
  • 🏘ïļModel rental income
  • ðŸ”ĒMore than a retirement calculator
  • ðŸĄPlan for buying a home
  • ðŸ”ĨCalculate when you can FIRE
  • ðŸĶRoth conversions
  • ðŸ’ĩ72t (SEPP) distributions
  • âĪïļGet started for free
  • 🌍International scenarios
  • ✂ïļTax estimation
  • ðŸ‘Ļ‍ðŸ’ŧSelf-host your own deployment
  • 🏠Better to rent vs own?
  • ⏰Time to Financial Independence
  • ✅Privacy-friendly
  • ðŸĪ‘Sankey diagrams
  • âĪïļYou are not the product
  • ðŸ‘Ļ‍ðŸ’ŧDeveloper support
  • 💞Pro version for advisors
  • 🧭Monte carlo simulations
  • 💰Project your future net worth
  • ✂ïļSee your effective tax brackets
  • ðŸ’đTrack your progress
  • ðŸĶĒModel black swan events
  • ðŸ’ąChoose your currency
  • 🌍International account types
  • 📁Control where your data is saved
  • 💑Plan as a couple
  • 📉Test against market volatility
  • ðŸ’ģMonthly, 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
@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!
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
king_ollo
king_ollo
u/king_ollo
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!
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.
Apr 16, 2023
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!
Sep 14, 2022
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.
Mar 25, 2022
Xavier LV
Xavier LV
@xavierelv
ProjectionLab is so intuitive, powerful, AND pretty. No-brainer sub IMO. 👏
Apr 16, 2023
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.
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
RobBerger.com
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
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
@TheFIShowGuys
The most robust financial planning tool we've ever seen!
Nov 15, 2022
Mark Stauber
Mark Stauber
@mark_stauber
Really love your product, subscribed in Jan. 22 and recommend it to everyone.
Apr 16, 2023
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.

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.