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RetIQ vs ProjectionLab

ProjectionLab is a modern, cloud-based scenario tool. RetIQ runs the same kind of comparisons locally, as a one-time purchase.

Where they differ

Scenario exploration

Both let you test retirement dates, spending and market assumptions side by side. ProjectionLab's interface is built around visual scenario branches; RetIQ's What-If Explorer and Strategy Report do the same work inside one projection.

Where the plan lives

ProjectionLab is account-based and cloud-hosted. RetIQ keeps the plan on your device and can export it as a file you own.

Price model

RetIQ is a one-time purchase. ProjectionLab is a subscription.

Where ProjectionLab goes further

Polished scenario branching and sharing with a partner or advisor.
Cloud access from any device without moving a file.

Where RetIQ is the better fit

You want to buy once and stop paying.
You want an iPhone app as well as the web.
You want the detailed tax machinery — IRMAA, ACA, RMDs, state tax, estate — in the same model as the spending plan.

Pricing and features change; check ProjectionLab's site for current details. RetIQ is not affiliated with ProjectionLab.

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