Networo vs ProjectionLab
Quick answer: ProjectionLab is best for deep, forward-looking FIRE planning (tax modeling, Roth, historical backtesting). Networo is best for simpler net-worth tracking + planning, cheaper, with a delight layer. Networo is private and manual-first (no bank login required) at $39/yr; below is an honest, side-by-side comparison, including where ProjectionLab genuinely wins.
| Networo | ProjectionLab | |
|---|---|---|
| Price | $4.99/mo · $39/yr · $99 lifetime | $129/yr (Premium, annual billing only) |
| Bank login required | No | Typically yes |
| Best for | simpler net-worth tracking + planning, cheaper, with a delight layer | deep, forward-looking FIRE planning (tax modeling, Roth, historical backtesting) |
Where Networo wins
- $39/yr vs $129/yr
- Lower complexity, the "watch your net worth grow" tracking loop
- Wrapped, milestones + AI Coach
Where ProjectionLab wins
- Monte Carlo + historical backtesting + multi-country tax estimation
- Roth conversion + estate modeling
- Beloved in the FIRE community
What $39 a year actually buys
Free forever: your accounts, your full history and your freedom date. Pro adds the interpretation of it.
Your record, kept properly
- Unlimited assets and liabilities, in 30 currencies
- Every value change saved forever as a timestamped snapshot, never overwritten
- Switch currency and convert your whole history at the real ECB rate, once
- Import an existing spreadsheet by CSV, export any time
- Optional bank sync, never required to use the product
Understanding what happened
- Net worth trend from your first recorded value to today
- Category breakdown and a money-flow view of where it all sits
- Your line against the S&P 500 and inflation, so growth is real, not nominal
- What moved since you last looked, decomposed by account
- How you compare to your age group, from Federal Reserve survey data
Deciding what to do next
- Your financial independence date, recalculated as your numbers change
- Monte Carlo simulation across thousands of market outcomes
- What-If scenarios: model a raise, a house, a career break, side by side
- Debt payoff planner comparing avalanche and snowball
- A financial health score with the four things dragging it down
- An AI coach that answers questions about your actual numbers
Staying with it
- Milestones and a yearly Wrapped, because progress you cannot see is progress you abandon
- A monthly close that updates every account in under a minute
- Share with a partner, with view-only or edit access
Try Pro for 7 days without a card. Or pay once: $99 for life, capped at the first 100 people, then retired for good.
Competitor names are the property of their respective owners. Pricing and features are summarized in good faith and were last verified in August 2026. They may have changed since, so please check the current details on each provider’s own website before deciding.
Frequently asked questions
Networo vs ProjectionLab, which should I use?
ProjectionLab is deeper on forward planning (tax, Roth, backtesting) and is the pick for serious FIRE modeling. Networo is simpler, cheaper ($39/yr vs $129), and stronger on the actual net-worth tracking loop and delight. Both are privacy-friendly and manual-optional.
Related
Track your net worth over time, free
No bank login. Private by design. Watch it grow.
Get started free