Enough

Honest Comparison · 2026

EnoughMoney vs ProjectionLab

ProjectionLab is a modern, fast-growing FIRE planning tool known for its slick UI, flexible scenario modeling, and Monte Carlo simulations — particularly loved by the FIRE Reddit community.

Bottom Line

ProjectionLab is the best-looking and arguably most flexible FIRE Monte Carlo tool if you're US-based. EnoughMoney is the only tool that combines FIRE math with 86-country tax data and 307-city cost-of-living intelligence. Both are legitimately good; they solve different halves of the problem.

Feature-by-Feature Comparison

FeatureEnoughMoneyProjectionLab
Retirement Math
Safe Withdrawal Rate Calculator✓Yes✓Yes
Monte Carlo simulation✓YesBest-in-class
Historical returns backtest✓Yes✓Yes
Dynamic / variable withdrawal (Guyton-Klinger, VPW)✓Yes✓Yes
Sequence-of-returns risk modeling✓Yes✓Yes
Tax Planning
US federal tax engine✓Yes✓Yes
US state tax (all 50 states)✓Yes✓Yes
International tax (86 countries)✓YesPartial
Roth conversion modeling✓Yes✓Yes
Tax-optimized withdrawal sequencing✓Yes✓Yes
Geographic Intelligence
City cost-of-living comparison✓Yes✗No
Cities covered307None
Geo-arbitrage FIRE modeling✓Yes✗No
Lifestyle-tier simulator✓Yes✗No
Planning & Experience
Multi-account portfolio tracking✓Yes✓Yes
What-if scenarios✓YesBest-in-class
AI-powered coaching✓Yes✗No
Public calculators (no login)✓Yes✗No
Mobile accessWeb-responsiveWeb-responsive

Based on publicly available feature documentation as of 2026-04-17. Corrections and updates welcome.

Pricing: ProjectionLab vs EnoughMoney

ProjectionLab

Free: 14-day trial

  • Premium: $8 per month
  • Premium annual: $79 per year (save ~18%)
  • Lifetime: $399 one-time

EnoughMoney

Free: All public calculators (FIRE, SWR, Roth, tax, city comparison) — no signup.

  • Navigator: $19/mo or $15/mo annual ($179/yr)the money dimension — personal CFO: FIRE planning, tax, withdrawal, lifestyle simulator
  • Architect: $29/mo or $23/mo annual ($279/yr)all 10 dimensions of a wealthy life — adds Studio, Thread, life-events planning, emotional resilience

What ProjectionLab Does Well

  • ✓Excellent Monte Carlo simulation with customizable Bengen-style historical backtesting
  • ✓Very flexible income, expense, and life-event modeling — milestone-based timelines feel like a game
  • ✓Great modern UX and chart design; arguably the best-looking FIRE planner on the market
  • ✓Strong active development and responsive developer (Kyle Nolan)
  • ✓Reasonable pricing ($8/month or $79/year) with 14-day free trial

Where EnoughMoney Goes Further

  • →US-centric: limited international tax modeling, no non-US retirement systems
  • →No city cost-of-living database — you manually set your expenses, no geographic intelligence
  • →No lifestyle-tier simulator: tells you the Monte Carlo distribution, doesn't tell you what your budget buys in Porto vs. Brooklyn
  • →Requires subscription for full features; Enough's equivalent calculators are free

Which Should You Pick?

Pick ProjectionLab if…

Pick ProjectionLab if you want the best pure-Monte-Carlo simulation experience, you love tweaking milestones and life events on a visual timeline, and you're planning within the US (or with simple international assumptions). The UX is hands-down the most enjoyable in the category.

Visit ProjectionLab →

Pick EnoughMoney if…

Pick EnoughMoney if you need real international tax modeling, cost-of-living data for 307 cities worldwide, or the lifestyle-tier simulator that shows what your budget buys category-by-category in a specific place. We're also free-tier viable for anyone who doesn't need the paid features, whereas ProjectionLab paywalls core Monte Carlo after the trial.

Try our FIRE Calculator →

FAQs

Is ProjectionLab worth the subscription?

For dedicated FIRE planners, yes — the Monte Carlo engine and milestone flexibility are unmatched. For occasional users or those needing only basic calculators, Enough's free tier covers the same core math.

Does ProjectionLab work for non-US residents?

It works — you can set custom tax rates — but it doesn't have built-in models for specific country tax regimes (UK ISAs, Portuguese NHR, Brazilian PGBL, etc.). If you need those, EnoughMoney's 86-country tax engine is the better fit.

Which has better Monte Carlo simulation?

ProjectionLab's Monte Carlo engine is probably the most refined in the retail space — extensive return-model customization. EnoughMoney's is academically solid (Bengen/Trinity/Pfau-based) but less customizable. If that specific feature matters most, ProjectionLab wins.

Try EnoughMoney — free, no credit card

Run our FIRE calculator, compare cities, model your tax drag across 86 countries, or explore the lifestyle simulator. All core planning is free; Navigator ($19/mo) unlocks AI coaching and the full personal plan.

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This comparison is an independent editorial analysis. EnoughMoney has no affiliate or financial relationship with ProjectionLab. Feature descriptions reflect publicly-available documentation as of April 2026 — things change; verify current features before subscribing.