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About ProjectionLab
ProjectionLab is a powerful, privacy-focused financial planning tool designed to help you model your path to financial independence and retirement. Unlike basic calculators, ProjectionLab allows you to build a highly detailed digital twin of your financial life, including complex tax rules, investment strategies, and varying life stages.
The platform is a favorite among the FIRE (Financial Independence, Retire Early) community because of its ability to run sophisticated simulations. It helps you answer the "what-ifs" of life: what if I buy a house, what if the market crashes, or what if I change careers? It provides the data you need to make long-term decisions with confidence.
Key Features
- Scenario Modeling: Create and compare multiple financial futures side-by-side
- Monte Carlo Simulations: Stress-test your plan against thousands of random market iterations
- Detailed Tax Engine: Account for income tax, capital gains, and various account types (401k, IRA, HSA)
- Visual Roadmap: See your net worth, cash flow, and asset allocation evolve over decades
- Privacy First: No account linking required; your data is yours and can be kept entirely local
- Milestone Tracking: Set goals for FI (Financial Independence) and track your expected "crossover point"
- Custom Events: Model one-time events like home purchases, inheritance, or gap years
- Drawdown Strategies: Optimize how you will live off your assets during retirement
Pricing
Free
$0/month
Basic modeling and simulations with local browser storage
Premium
$9.00/month
Cloud sync, unlimited scenarios, and advanced analytics (billed annually)
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Who Should Use ProjectionLab?
ProjectionLab is built for the "financial engineer." If you find standard retirement calculators too simplistic and want to model every nuance of your financial future, this is the tool for you. It's particularly valuable for people pursuing Financial Independence (FIRE), high earners with complex tax situations, or anyone who enjoys data-driven decision making.