Family Office vs ProjectionLab

We make Family Office. Every fact about another app here comes from its own public pages, linked below and dated; where those pages do not say, the cell is blank. Family Office's column comes from its own code.

Who ProjectionLab suits

ProjectionLab is a planning tool with forecasting, Monte Carlo and historical backtesting on its free plan, presets for several countries including the UK, and a Pro plan for advisers.

Side by side

Feature	Family Office (ours)	ProjectionLab
UK tax	Income tax with Scotland's own bands, capital gains tax and dividend tax, year by year in the plan, and inheritance tax on the estate it leaves	UK tax estimation on Premium, with National Insurance and regional differences; an inheritance tax estimate
US tax	Federal and state income tax (51 regimes, one per state and DC), capital gains and dividends with the net investment income tax, 85 percent of Social Security taxed (the statutory maximum) and IRMAA on Medicare premiums, year by year in the plan, and federal estate tax on the estate it leaves	Tax estimation and Roth conversions on Premium, and a US federal estate tax estimate (Premium)
Canadian tax	Federal and provincial income tax (13 regimes, one per province and territory), capital gains at the inclusion rate, dividends with the gross-up and credit, the OAS recovery tax and RRIF minimum withdrawals, year by year in the plan, and the tax at death on RRSP, RRIF, LIRA and LIF balances	A preset for Canada; tax estimation on Premium
Other countries	122 tax regimes in 34 countries; a move from one to another in the plan on Premium and up	Presets for several countries, including Canada, the UK, Australia, Germany and the Netherlands
Monte Carlo	The chance of success on every plan, the Free plan included; the paths and the fan chart on Gold and Platinum	Yes, on every plan, with historical backtesting
Companies and trusts	On Platinum: any number of companies, sole traders, partnerships or trusts, beside the household
Property	Homes and rentals with their mortgages, purchases and sales: 1 on Free, 3 on Premium, no limit on Gold and Platinum	Rental income, buying a home, rent or own
Pensions	UK: SIPP, ISA, Lifetime ISA, Junior ISA and State Pension. US: 401(k), IRA, Roth IRA, 529 and Social Security. Canada: RRSP, RRIF, TFSA, FHSA, RESP, CPP and OAS. Other pension income as an annuity.	ISAs, workplace pensions and SIPPs; defined benefit pensions
Bank links	Through Plaid (United States and Canada): 2 on Premium, 10 on Gold and Platinum. Not yet: United Kingdom	None: no link to your accounts
Free plan	Yes, with no card and no time limit: up to 8 items, one taxpayer and a projection of 5 periods. The paid plans start with 14 days free, card needed. The calculators are free, with no account.	Yes: forecasting, Monte Carlo and historical backtesting
Price	£12 to £49 a month ($15 to $59, CA$20 to CA$79); a year costs the price of 10 months	Premium $129 a year; Pro $549 a year for advisers
Where data is kept	Amazon Web Services in London (eu-west-2); bank links (Plaid), payments (Stripe) and maps (Google) through US providers; e-mail through Google Workspace; see the privacy policy for the full list	Google Cloud Platform and Firebase
Export	The whole plan as a file you can import again, on every plan; the report printed to PDF on the paid plans; budget transactions as CSV	Downloadable reports on Premium

A blank cell: ProjectionLab's public pages did not say.

When ProjectionLab is the better choice

You want Monte Carlo and historical backtesting for free: both are on the Basic plan.
You want tax estimation, Roth conversions and estate planning for $129 a year (Premium).
You are an adviser: Pro has an adviser dashboard and 10 client seats for $549 a year.

When Family Office is the better choice

You own a company, a partnership or a trust: Platinum keeps any number of them beside the household.
You want your plan stored in the UK: Amazon Web Services in London.
Your banks are in a country where Family Office links accounts through Plaid (Canada and United States), and you want their balances brought in (Premium and up).

Sources

Facts about other apps checked on 2026-11-10. Prices and features change: each app's own page is the reference.

Other comparisons

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