The five year number
Five years of ProjectionLab comes to $645 on Premium. That assumes the cheapest billing period at the current price, with no price rises. Verified 21 July 2026.
Year by year
| Time held | ProjectionLab | Delphina |
|---|---|---|
| After 1 year | ProjectionLab$0 on Basic, or $129 on Premium | Delphina£119.88 |
| After 3 years | ProjectionLab$387 on Premium | Delphina£359.64 |
| After 5 years | ProjectionLab$645 on Premium | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: FX fees on paid tiers, because billing is in US dollars
- Hidden cost: Your time: the model is only as good as the assumptions you feed it
- Hidden cost: Pro is $549 a year, aimed at advisers rather than individuals
Figures based on ProjectionLab’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For confident planners who want to model complex scenarios themselves, that is a fair price. Genuinely powerful scenario and projection modelling. A real free tier, so you can try the core idea without paying.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see ProjectionLab pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
ProjectionLab is the better choice if you want to build the model yourself and enjoy doing it. Delphina is for people who want the UK answer, with ISAs, SIPPs and UK tax already built in, without becoming a modelling hobbyist.
More on ProjectionLab
ProjectionLab: common questions
It is worth it for confident planners who want to model complex scenarios themselves. It is a poor buy for anyone who needs assumes us account types and us tax by default, because that is not what it is built to do.
3 things are not on the pricing page: fx fees on paid tiers, because billing is in us dollars; your time: the model is only as good as the assumptions you feed it; pro is $549 a year, aimed at advisers rather than individuals.
Priced in US dollars, so UK cards pay an FX fee on paid tiers. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.