Comparison
Yield Clarity vs ProjectionLab
Both tools help you plan for financial independence. They approach the problem differently. This page is an honest comparison — where Yield Clarity is stronger, where ProjectionLab is stronger, and where they overlap.
Last reviewed: July 2025. If anything has changed, let us know.
Feature comparison
| Feature | Yield Clarity | ProjectionLab |
|---|---|---|
| Portfolio tracking from actual holdings | ||
| Monte Carlo simulation | ||
| Scenario comparison | ||
| Multi-currency native support | ||
| FI-eligible vs total wealth separation | ||
| Tax modelling (US, UK) | ||
| Estate planning | ||
| Social Security / State Pension modelling | ||
| Household / multi-person planning | ||
| Life-event modelling | ||
| ISA & SIPP awareness (UK) | Partial | |
| Free tier |
Where Yield Clarity is stronger
Native multi-currency support — each asset stays in its original currency with automatic conversion to your base currency.
FI-eligible wealth separation — Yield Clarity distinguishes between total net worth and the assets actually funding financial independence.
Simpler interface focused on the core FI question: when can your portfolio sustain your retirement income?
Where ProjectionLab is stronger
Tax modelling — ProjectionLab models US federal and state taxes in detail, including Roth conversions and capital gains.
Estate and legacy planning with beneficiary modelling.
Household planning with support for multiple people and shared finances.
Life-event modelling including career changes, property purchases, and major expenses.
Social Security and State Pension income modelling.
Different tools for different needs
ProjectionLab currently has greater breadth in areas such as tax, estate, household and life-event modelling. If those are important to your planning, ProjectionLab may be a better fit.
Yield Clarity focuses on the core FI question with native multi-currency support and a clear distinction between total wealth and FI-eligible wealth. If you hold investments across currencies or want a focused probabilistic forecast, Yield Clarity may be a better fit.
Both tools offer free tiers. The best way to decide is to try both with your own data.