Does ProjectionLab currently list a lifetime plan?

As checked October 14, 2026, ProjectionLab's homepage advertises monthly, annual, or lifetime pricing, while its pricing page displays free Basic, $129-per-year Premium, and Pro pricing without a lifetime price. Confirm lifetime availability and terms with ProjectionLab; those pages alone do not establish what can be purchased. Meridary offers a founding lifetime license.

Is Meridary as configurable as ProjectionLab?

No. ProjectionLab lists a broader set of modeling, comparison, tax, estate, and international features. Meridary does not support international or estate planning, state-specific tax rules, or more than one Social Security benefit.

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retirement planning software comparison

Meridary vs ProjectionLab

ProjectionLab emphasizes flexible, detailed model building. Meridary helps you examine when retirement may be possible and how different savings and spending assumptions change the estimate.

By Steven, Founder · Updated October 14, 2026

Short answer

ProjectionLab's current pricing lists a free Basic tier and Premium at $129 per year.
Meridary lets you compare U.S. retirement scenarios and explore an estimated retirement age at a chosen planning confidence target.
ProjectionLab exposes more modeling and optimization controls. Meridary does not support international or estate planning.

The central difference

ProjectionLab's current product pages describe flexible financial modeling, Monte Carlo and historical backtesting, tax estimates, cash-flow projections, withdrawal strategies, Roth conversions, ACA subsidies, and coordinated optimization. Premium is listed at $129 per year; Basic is free.

Meridary guides you through household, account, income, spending, and return assumptions to build a year-by-year U.S. retirement projection. Compare plans to see how those assumptions affect estimated retirement timing and the simulated odds your money lasts. Its founding lifetime license is $149–$199, with a $12-per-month option for the same planner access.

Choose ProjectionLab for modeling flexibility

ProjectionLab is the clearer choice when you want to construct complex timelines, compare many scenarios, use international presets, explore coordinated tax strategies, or adjust a larger set of planning variables.

Consider Meridary for savings and spending scenarios

Consider Meridary when you want to explore the trade-offs between how much you save, what you spend, and when you stop working. It supports two-earner wages, manual account entry, one Social Security benefit, and federal tax plus a flat state rate. Its source and validation pages state what is calculated, what is tested, and what remains outside the model.

Compare the actual plan you need

Start with the events and assumptions your household needs to model, then compare each product's coverage. Retirement ages and success probabilities are scenario estimates, not financial advice or guarantees. Competitor features and prices reflect the cited source access dates; confirm them before buying.