ProjectionLab
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.
- Company typePrivate
- Founded2021
- HeadquartersBoston, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
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.
ProjectionLab firmographics
Firmographics- 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
ProjectionLab industry classification
Industry- 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
Where ProjectionLab is headquartered
LocationHeadquarters
- HQ city
- Boston
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ProjectionLab business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Free tier with core forecasting and simulation capabilities |
| Subscription | Annual | Advanced individual planning at $129/year |
| Subscription | Annual | Advisor and coach tier at $549/year |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
ProjectionLab product offering
Product offeringCore 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
Companies that use ProjectionLab
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
ProjectionLab technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability3 records
Feature6 records
ProjectionLab partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Lunch MoneycoreIntegration 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)corePlugin 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 MoneycorePlugin 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
ProjectionLab competitors and assessment
Company assessmentDirect 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
ProjectionLab social profiles
Digital presenceProjectionLab financial estimates
Financial estimateRevenue estimate
Valuation estimate
ProjectionLab leadership team
Management profileNumber of profiles
Profiles2 records
ProjectionLab funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ProjectionLab M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ProjectionLab
What does ProjectionLab do?
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.
Is ProjectionLab a public or private company?
ProjectionLab is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ProjectionLab founded?
ProjectionLab was founded in 2021. It employs 1 to 10 people.
Where is ProjectionLab based?
ProjectionLab is headquartered in Boston, United States, in the North America region.
How does ProjectionLab make money?
Three revenue lines are on record. Subscription - Basic (Free Tier) is the primary driver. The others are subscription - Premium and subscription - Pro (Advisor Tier).
Who are ProjectionLab's main competitors?
Direct peers on record are Boldin (formerly NewRetirement), MoneyGuidePro, MaxiFi, RightCapital and NewRetirement (now Boldin). Broad incumbents are Personal Capital Retirement Planner, Empower Personal Dashboard and eMoney Advisor. Emerging players are Monarch Money and YNAB (You Need A Budget).
Does ProjectionLab have an API?
Yes. ProjectionLab offers a Plugin API that allows users to sync their data with popular budgeting tools. The API enables automatic balance synchronization from external services.
What industry is ProjectionLab in?
ProjectionLab's product category is Retirement Planning Software. Its primary akta.pro industry code is FSAGAEAF, Digital Retirement Platforms (IRA/401(k), Pension & Decumulation), with a secondary code of FSAGADAB, Expense Tracking & Financial Dashboards. Its NAICS code is 523940 and its SIC code is 6282.