Top 5 ProjectionLab Alternatives UK 2026
Stop wondering if you are on track. Get financial clarity on where you stand and know what to do next.
ProjectionLab focuses on financial projections. I tested it against every alternative to see which actually helps you plan your future.
| Tool | Best For | Rating |
|---|---|---|
| DelphinaRecommended | Comprehensive financial clarity and forward planning | |
| PensionBee | Consolidating and managing old pensions | |
| Nutmeg | Managed investments with growth projections | |
| Wealthify | Straightforward investment planning for beginners | |
| Moneybox | Saving towards specific financial goals |
What Makes a Good ProjectionLab Alternative
After evaluating dozens of options, here is what separates the useful from the useless when it comes to planning your financial future:
- Prospective modelling: It shows you where your wealth will be in 10, 20, and 30 years, not just where it has been.
- Scenario comparison: You can model different choices and see the impact on your future self.
- UK-specific context: It understands ISAs, pensions, tax bands, and UK financial products.
- Actionable guidance: It tells you what to do next, not just what your numbers are.
- Clear presentation: Complex financial data is presented in a way that actually informs decisions.
The Prospective vs Retrospective Divide
Here is the critical distinction that most financial tools miss: many are retrospective. They show you what you have already spent, categorise your transactions, and tell you where your money went. That is useful information, but it does not tell you whether you are on track for your goals.
Prospective tools take a different approach. They model your financial future across decades, showing you how your wealth will evolve based on your current trajectory and the changes you could make. ProjectionLab and tools like it do projections. Delphina does projections AND shows you what to do about them.
This is the key difference. Most tools will show you where your wealth might be in 20 years. Delphina will show you where your wealth might be, and crucially, exactly what changes will have the biggest impact on getting you to where you want to be.
DelphinaOur Pick
Know where you are. Change where you are going.
Delphina stands apart by focusing entirely on financial clarity. Rather than showing you abstract numbers, it models your financial future and tells you what changes will have the biggest impact. The interface is clean, the projections are clear, and the guidance is practical. Built specifically for people who want to understand whether they are on track for their goals and exactly what to do next.
Best for: Comprehensive financial clarity and forward planning
Pros
- Prospective modelling across 10-30 year horizons
- Clear scenario comparisons
- Focuses on actionable guidance
- Built by people who understand UK finances
What Delphina does not do
We believe in being transparent about what we are and what we are not:
- It is not a daily budgeting app that tracks every transaction
- It is not a micro-investing platform
- It is not FCA-regulated financial advice
- It does not execute trades or manage investments directly
Instead, Delphina focuses entirely on prospective modelling: showing you where your wealth will be in 10, 20, and 30 years, and what changes will have the biggest impact on your future.
PensionBee
Pension consolidation and management
PensionBee has built a strong reputation for helping people track and consolidate their pension pots. The platform shows your projected pension income based on your current savings and allows you to model different contribution levels. It is particularly good at finding and merging old workplace pensions, which is a genuinely useful feature for forward planning.
Best for: Consolidating and managing old pensions
Pros
- Pension consolidation in one place
- Clear projection of pension income
- Manage contributions online
- Award-winning customer service
Considerations
- Focuses primarily on pensions
- Less comprehensive for broader wealth planning
- Projections depend on assumed growth rates
Nutmeg
Robo-adviser with portfolio projections
Nutmeg is one of the UK's leading robo-advisers, offering managed investment portfolios with clear projected returns. Their platform allows you to see how your portfolio might grow over time based on different contribution levels and risk profiles. It is straightforward to set up and manage, making it a popular choice for people who want professional portfolio management with some forward visibility.
Best for: Managed investments with growth projections
Pros
- Professionally managed portfolios
- Clear projected returns
- Fully diversified investment approach
- Simple to set up and monitor
Considerations
- Investment-focused, not comprehensive financial planning
- Less emphasis on actionable guidance
- Higher fees than some DIY platforms
Wealthify
Simple investing with future projections
Wealthify offers a simple way to start investing with clear projections of how your money might grow. Their plans are straightforward to understand, and the platform shows you potential growth scenarios based on your selected risk level and contributions. It is designed for people who want something simple without complicated options.
Best for: Straightforward investment planning for beginners
Pros
- Very simple to use
- Clear projected growth scenarios
- No complicated investment jargon
- Affordable pricing
Considerations
- Less customisation than advanced platforms
- Limited strategic guidance
- Focused on investments rather than holistic planning
Moneybox
Goal-based savings and investing
Moneybox takes a goal-oriented approach to financial planning. You set specific targets, whether that is a house deposit, a wedding, or retirement, and the app tracks your progress towards those goals. Their retirement planner shows projected income based on your current contributions and allows you to adjust scenarios. The clean interface makes financial planning feel more approachable.
Best for: Saving towards specific financial goals
Pros
- Goal-based approach keeps you motivated
- Clear progress tracking
- Simple and intuitive interface
- Good range of account types including pensions
Considerations
- Focuses on goals, less on comprehensive wealth modelling
- Limited strategic guidance beyond goal tracking
- Free tier has restricted features
Why Forward-Looking Planning Matters
When I talk to people about their finances, the same pattern keeps appearing. They know roughly what they earn, they have a vague sense of what they spend, and they hope they are saving enough for retirement. But they have never actually seen what their wealth will look like in 20 years.
This is not a criticism. It is a product of the tools available. Most financial apps focus on the present: this month\'s spending, this year\'s returns, today\'s balance. They are retrospective by design. You see what happened, not what will happen.
The problem with that approach is that financial decisions made today have outsized impacts on your future. Whether to overpay your mortgage or invest more in your pension, whether to consolidate your pensions or leave them where they are, whether to fund a child\'s university or prioritise your own retirement: these are 10, 20, and 30 year decisions. You cannot make them well with a rear-view mirror.
The Bottom Line
If you want a tool to track your spending and categorise transactions, there are plenty of options. If you want a robo-adviser to manage your investments, there are good options for that too.
But if you want to understand where your wealth will be in 10, 20, and 30 years, and what to do differently to change that trajectory, Delphina is built specifically for that purpose.
ProjectionLab and similar tools do projections. Delphina does projections AND shows you what to do about them.
Conclusion
The UK financial planning landscape has improved significantly. There are now genuine tools that can help with different aspects of your financial life. The key is choosing the right tool for the question you are trying to answer.
If your question is: "Am I on track for my goals, and what should I do differently?" then the answer is prospective modelling with actionable guidance, and that is exactly what Delphina does. It is why we built it, and it is why we believe it is the most important financial planning tool you can use.
Stop wondering if you are on track
Get clear on where your wealth will be in 10, 20, and 30 years. Know what to do next.