A ProjectionLab alternative that starts with this month’s bills
Beyond Payday is for households who want this month’s bills and retirement in one simpler plan. If you want deep tax and scenario modeling, ProjectionLab may suit you.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Why people switch to Beyond Payday
$90/yr vs $129/yr (Premium)
Pro is $90/yr. ProjectionLab lists $129/yr (Premium) on its own site.Source: ProjectionLab pricing page (opens in a new tab), verified Sep 25, 2026
Today’s money too
Bills, what’s left each month and net worth, free.
The whole household
Owner, spouse and kids, with per-person permissions.
Ask ChatGPT or Claude
Connect either one to your own numbers.
Beyond Payday and ProjectionLab at a glance
Yes (their site says so) No (their site says so) Couldn’t confirm
| Feature | Beyond Payday | ProjectionLab |
|---|---|---|
| Price | Free plan, or Pro at $9/mo or $90/yr | Yes, their site says so: Free Basic, or Premium $129/yrsource: ProjectionLab pricing page, checked Sep 25, 2026 (opens in a new tab) |
| Free plan | Yes. Income, bills, net worth, goals and debt payoff | Yes, their site says so: Yes (Basic)source: ProjectionLab pricing page, checked Sep 25, 2026 (opens in a new tab) |
| Free trial | Yes. 30 days of Pro, no card needed | Yes, their site says so: 7 dayssource: ProjectionLab help: Billing, checked Sep 25, 2026 (opens in a new tab) |
| Links bank accounts | No. By design: no bank login needed | No, their site says so: Nosource: projectionlab.com, checked Sep 25, 2026 (opens in a new tab) |
| Household sharing | Yes. Owner, spouse and kids, with per-person permissions | Couldn’t confirm on their site |
| Retirement plan | Yes. On Pro: month by month to age 95 | Yes, their site says so: Yes, with Monte Carlosource: projectionlab.com, checked Sep 25, 2026 (opens in a new tab) |
| Social Security timing | Yes. On Pro: any claiming age 62–70, spousal and survivor | Yes, their site says so: Models claiming agessource: ProjectionLab: Social Security, checked Sep 25, 2026 (opens in a new tab) |
| Debt payoff plan | Yes. Free: avalanche or snowball, with a debt-free date | Yes, their site says so: Extra loan paymentssource: ProjectionLab help: Early loan pay off, checked Sep 25, 2026 (opens in a new tab) |
| Business tracking | Yes. On Pro: one or more businesses | Yes, their site says so: Side-hustle incomesource: ProjectionLab help: Add income to your plan, checked Sep 25, 2026 (opens in a new tab) |
| AI assistant | Yes. On Pro: Beth answers from your own numbers | Couldn’t confirm on their site |
| Connects to ChatGPT & Claude | Yes. Connect either one to your own data | Couldn’t confirm on their site |
| Data export | Yes. Every plan: a .zip of JSON and CSV files | Yes, their site says so: PDF, CSV, JSONsource: ProjectionLab blog: What’s new in v4.4, checked Sep 25, 2026 (opens in a new tab) |
| Tracks transactions | No. By design: no transaction busywork | Couldn’t confirm on their site |
| Platforms | Web app you can install on your phone or computer | Yes, their site says so: Web (installable on phones)source: ProjectionLab help: Mobile support, checked Sep 25, 2026 (opens in a new tab) |
| Tax-bracket optimization | No. One effective tax rate you set | Yes, their site says so: Yessource: projectionlab.com, checked Sep 25, 2026 (opens in a new tab) |
| Monthly bills and what’s left | Yes. Yes, free | Couldn’t confirm on their site |
Based on each company’s own website, checked Sep 25, 2026. A – means we couldn’t confirm it on their site; features change, so check with them. Beyond Payday isn’t affiliated with ProjectionLab.
Something wrong or missing? Let us know and we’ll review it and update this page.
Beyond Payday is a great fit if…
- You want this month and retirement in one place.
- You want a simpler plan than a full modeling tool.
- You want your spouse and kids in, each with their own permissions.
Might not be for you if…
- You want tax strategies modeled against brackets, IRMAA or ACA limits.Source: projectionlab.com (opens in a new tab), verified Sep 25, 2026
- You live outside the US. Beyond Payday is US-only.Source: projectionlab.com (opens in a new tab), verified Sep 25, 2026
How switching works
Import or type in your bills, assets and debts
CSV, TSV or XLSX files work. Transactions don’t carry over — Beyond Payday doesn’t track them. How import works
Add your income
Type it in, or scan a paystub photo and review what it fills in (3 scans on Free, unlimited on Pro).
Leave any time with your data
Export everything as a .zip of JSON and CSV files, on every plan.
Questions
- Does Beyond Payday link to my bank?
- No. It never asks for a bank login. You type your numbers in or import them from a spreadsheet, and you keep them current.
- How does Beyond Payday handle taxes in retirement?
- On Pro, the retirement plan applies one effective tax rate, which you can change, to taxable income such as traditional withdrawals, pensions and taxable Social Security. It does not model tax brackets. Projections are estimates, not tax advice.
- Can my partner and kids use it too?
- Yes. One account covers the household: an owner, a spouse and children, with per-feature permissions for each person. One subscription covers everyone.
- Is there a free plan?
- Yes. The Free plan covers the dashboard, income, bills, assets, debts, net worth, goals, the Scenario Tester, import and export. Pro adds retirement planning, business tracking and Beth, the AI assistant. New accounts start with a 30-day Pro trial with no card needed, and keep the Free plan afterward unless they subscribe.
- Can I use it outside the US?
- Not yet. Beyond Payday is built for US households only: amounts are in US dollars, and taxes and Social Security rules are US-only.
Facts verified Sep 25, 2026 from each company’s own website (or an archived copy of it); features change — check the provider for current details.
Current details from each provider: projectionlab.com (opens in a new tab).
ProjectionLab is a trademark of its owner. Beyond Payday has no affiliation with or endorsement from it.
Beyond Payday is a planning tool, not a financial advisor. Its figures are estimates based on what you enter, not guarantees.
See this month and retirement on one plan
Income, bills, what is left each month, net worth and, on Pro, retirement. No bank login.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.