ProjectionLab

What ProjectionLab does

ProjectionLab is a bootstrapped SaaS financial planning platform founded in 2021 by Kyle Nolan that builds Monte Carlo-driven retirement and financial independence forecasting tools for individual consumers pursuing FIRE (Financial Independence, Retire Early) and, increasingly, for financial advisors serving that segment. The web-based application — built on Firebase with progressive web app (PWA) capabilities — runs probabilistic simulations across thousands of market scenarios to project portfolio outcomes, optimize tax-aware withdrawal strategies, support Roth conversions and 72(t) distributions, model estate planning and net legacy, and enable side-by-side scenario comparison. The product differentiates on a privacy-first model that requires no account linking to financial institutions, instead relying on user-entered data and optional plugin integrations with budgeting platforms (YNAB, Monarch Money, Lunch Money).

The company operates a three-tier pricing model: a free Basic tier with core forecasting and Monte Carlo simulations, a Premium individual tier at $129/year adding tax optimization, cash flow projections, estate planning, and the Optimizer engine for automated tax strategy, and a Pro advisor tier at $549/year with client management, multi-portfolio support, and an advisor directory listing. Revenue mechanics are entirely subscription-based and annual, with 4,000+ premium subscribers generating $1M ARR as of October 2025. Go-to-market is product-led and community-driven, anchored in endorsements from prominent FIRE influencers (Physician on FIRE, Mad Fientist, Mr. Money Mustache, ChooseFI) and organic traction through Discord, Reddit, SEO, content marketing, and an affiliate program — the company has raised zero outside capital.

International tax presets for Canada, the UK, Australia, Germany, and the Netherlands broaden the addressable market beyond U.S. consumers, while a separate Financial Wellness employer offering extends distribution into B2B benefits. The team remains small (2-10 people, remote-first) after hiring its first non-founder team member Jonathan Kuipers, and the engineering roadmap through v4.6.0 (April 2026) has focused on deepening tax-strategy automation and scenario comparison rather than pursuing headline AI or LLM capabilities.

Name

ProjectionLab

Legal name

ProjectionLab LLC

Website

https://projectionlab.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

ProjectionLab is a bootstrapped SaaS platform that provides Monte Carlo-based retirement and financial independence planning tools to FIRE-pursuing consumers and financial advisors, generating $1M ARR from 4,000+ premium subscribers across Free, $129/year Premium, and $549/year Pro advisor tiers.

Ownership category

akta.pro rank

Product category

Retirement Planning Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF)

akta.pro secondary industry

Expense Tracking & Financial Dashboards (FSAGADAB)

Keywords

• Retirement planning software
• Financial planning software
• Monte carlo simulation
• Tax optimization tools
• Estate planning software

Headquarters

HQ city

Boston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Subscription - Basic (Free Tier): Free tier providing core forecasting, financial planning, Monte Carlo simulations, historical backtesting, and flexible modeling capabilities. Serves as the primary acquisition funnel for converting users to paid tiers.
2. Subscription - Premium: Annual subscription at $129/year offering advanced features including cash-flow projections, tax optimization, withdrawal strategies, and enhanced scenario planning. The primary revenue driver representing the mass-market individual segment.
3. Subscription - Pro (Advisor Tier): Annual subscription at $549/year designed for financial advisors and coaches, including client management capabilities, white-label options, and priority support. Represents the B2B advisory segment with higher ACV.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

ProjectionLab is a web-based financial and retirement planning SaaS platform that uses Monte Carlo simulations, tax optimization algorithms, and scenario modeling to help individuals project their financial futures and pursue financial independence. The platform offers a free Basic tier, a Premium tier at $129/year with advanced tax and cash flow features, and a Pro tier at $549/year for financial advisors managing multiple client portfolios.

Product overview

ProjectionLab is a unified financial and retirement planning platform built around a core simulation engine. The product ecosystem consists of the main ProjectionLab web application (offered in Basic free, Premium at $129/year, and Pro advisor tiers at $549/year), integrated with key capabilities including Monte Carlo Simulation for probability forecasting, Tax Analytics with bracket analysis, Cash Flow Analysis via Sankey diagrams, Estate Planning with Net Legacy calculations, and the Optimizer engine for automated tax strategy optimization. The platform also includes Advisor Pro Dashboard for professional use, Plugin API for data sync with Lunch Money, YNAB, and Monarch Money, Compare Mode for scenario comparison, Milestones for life stage planning, Flex Spending for market-responsive budgets, and Charitable Giving tools. International support includes tax presets for Canada, UK, Australia, Germany, and Netherlands.

Differentiator

Problem solved

Functional benefit

Products and services

• ProjectionLab Platform Web-based SaaS application delivering Monte Carlo-based retirement forecasting, tax optimization, cash flow visualization, estate planning, and scenario comparison for individuals pursuing financial independence and the advisors serving them.
• Advisor Pro Service Professional offering for financial advisors and coaches at $549/year, including multi-client portfolio management, Advisor Dashboard, Assets Under Advisement tracking, client profile management, and priority support.
• Financial Wellness Benefits Program Employer-facing program allowing companies to offer ProjectionLab's retirement planning tools as a financial wellness benefit to employees within benefits packages.

Quantifiable outcome

• $1M ARR achieved with 4,000 premium subscribers without external funding

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• Lunch MoneycoreTechnology or IntegrationIntegration partnership enabling Lunch Money users to sync their real-time budgeting data directly into ProjectionLab. This partnership provides ProjectionLab users with automatic transaction and budget data synchronization, eliminating manual data entry while maintaining privacy since no financial account credentials are shared. The integration allows users to leverage their existing budgeting workflow within ProjectionLab's planning environment.
• YNAB (You Need A Budget)coreTechnology or IntegrationPlugin API integration enabling YNAB users to connect their budget data to ProjectionLab for enhanced financial projections. The integration syncs transaction history and budget categories, allowing users who already use YNAB for day-to-day budgeting to leverage that data in their long-term retirement planning.
• Monarch MoneycoreTechnology or IntegrationPlugin API integration connecting Monarch Money's financial management platform with ProjectionLab. This enables Monarch Money users to import their financial data including accounts, transactions, and net worth into ProjectionLab for long-term planning and scenario analysis.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Boldin (formerly NewRetirement): Boldin is a direct competitor offering retirement planning software with Monte Carlo simulations, tax planning, and scenario analysis for individuals pursuing financial independence. Both platforms serve the FIRE-adjacent DIY retirement planner with comparable feature sets at similar price points.
• MoneyGuidePro: MoneyGuidePro is an established goal-based financial planning platform used by financial advisors for retirement, tax, and estate planning. It overlaps with ProjectionLab Pro on advisor workflows, Monte Carlo simulations, and goal-based scenario modeling, though it serves a broader advisor market beyond FIRE-specific users.
• MaxiFi: MaxiFi provides financial planning software emphasizing tax-efficient withdrawal strategies, Roth conversion analysis, and lifetime tax projection for individuals and advisors. It targets a similar audience of sophisticated DIY planners and overlaps directly with ProjectionLab's tax optimization and withdrawal strategy features.
• RightCapital: RightCapital is a financial planning platform built primarily for financial advisors with client-facing portals, Monte Carlo simulations, and tax planning. It represents the advisor-tier competitive alternative to ProjectionLab's Pro tier and competes for the same advisor customer segment serving FIRE-oriented clients.
• NewRetirement (now Boldin): Note: Boldin was rebranded from NewRetirement and is listed once above as the most direct peer. Listed separately here only to flag the brand transition; considered a duplicate for ranking purposes.

Broad incumbents

• Personal Capital Retirement Planner: Personal Capital's Retirement Planner (now under the Empower brand) is the most widely used free Monte Carlo-based retirement projection tool and directly competes with ProjectionLab's free tier for entry-level users before they consider upgrading.
• Empower Personal Dashboard: Empower (formerly Personal Capital) offers free retirement planning tools with Monte Carlo simulations and asset allocation analysis alongside its wealth management services. As a large incumbent, it competes with ProjectionLab on individual retirement planning but bundles planning with custody and advisory services, representing a different GTM motion.
• eMoney Advisor: eMoney Advisor is a comprehensive financial planning platform owned by Fidelity serving financial advisors and their clients with aggregation, planning, and client portal tools. It is a broader incumbent competing for the same advisor segment that ProjectionLab Pro targets, with deeper institutional distribution.

Emerging players

• Monarch Money: Monarch Money is a modern personal finance management platform with budgeting, net worth tracking, and collaborative financial planning. It is also a direct integration partner of ProjectionLab via the Plugin API, suggesting adjacent rather than direct competition, but it increasingly adds planning features that overlap with ProjectionLab's cash flow analysis.
• YNAB (You Need A Budget): YNAB is a subscription budgeting tool popular among FIRE community members and serves as a data source for ProjectionLab via its plugin integration. While focused on day-to-day budgeting rather than long-term planning, YNAB shares an audience and subscription DNA with ProjectionLab and could expand into retirement planning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=R5qOiUe_8no
• Xx.com/projection_lab

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ProjectionLab