Net Worth Snapshot vs ProjectionLab
ProjectionLab is a planner first. It models your financial life in depth, with Monte Carlo simulations even on its free plan and tax and Roth conversion modeling on Premium. Net Worth Snapshot is a tracker first: the monthly record of your accounts comes first, and the retirement plan starts from it. Neither one asks to link your accounts.
| Topic | ProjectionLab | Net Worth Snapshot |
|---|---|---|
| Price | Free basic plan; Premium $129 a year | $48.00 a year for the whole household, after a free 30-day trial with no card |
| Linking accounts | No link to your accounts | No link to your accounts |
| Tracking actual progress | A journal of your actual progress, plotted against your projections | The core of the app: monthly balances, the net worth trend, milestones and goals |
| Monte Carlo | On the free plan | Included |
| Taxes | Tax estimation and optimization on Premium | An optional federal-bracket tax model, with required minimum distributions |
| Roth conversions | Modeled on Premium | Not yet. The plan checks whether early retirement can be bridged until 59½, but doesn't schedule conversions. |
Choose ProjectionLab if
- You want to model your finances in detail: Roth conversions, tax optimization, capital gains harvesting.
- You plan more than you track, and can update your balances there as you go.
Choose Net Worth Snapshot if
- You want the monthly habit of recording your accounts to be the center of it.
- You want a household budget and an insurance checkup alongside the plan.
- You'd rather pay $48 a year than $129.
Also in Net Worth Snapshot
- An insurance and estate checkup: emergency fund, life, disability and umbrella cover sized from your own figures, with a checklist that comes due for a re-check.
- A budget of paychecks, bills and contributions at the frequency they arrive, showing what's genuinely left over each month.
- A library of short, plain-English lessons on debt, retirement, investing, insurance and estate planning.
- Everything exports to an Excel spreadsheet at any time, and stays readable and exportable even if you stop paying.
What the retirement plan models, and what it simplifies, is set out in How the projections work.
No card required to start.
Sources
Everything said about ProjectionLab on this page comes from its own website, checked on October 10, 2026. Prices and features change, so check there before you decide.
ProjectionLab is a trademark of its owner. Net Worth Snapshot isn't affiliated with or endorsed by it.