ProjectionLab vs Owned Map: planning your future or seeing what you own

The short answer

• Pick ProjectionLab if your question is about the future: when can I retire, how much can I spend, what happens to my plan if returns are poor. It has a free Basic plan with forecasting and Monte Carlo simulations.^[1]
• Pick Owned Map if your question is about what you own now: which property earns the most, what each one is worth after the loan, what your share of a co-owned house is, where the papers are, and what a boat or a plane costs you a year.
• Use both if you have a plan and also a portfolio of physical assets. The plan needs the numbers; the map produces them.

Where we describe ProjectionLab, we rely on its own website and help centre, and we link each claim. We have not run a plan in it. If you are comparing several tools, our roundup of the best net worth tracker for real estate sets them side by side.

At a glance

“Not listed” means we did not find it on the ProjectionLab pages we read in November 2026. Its help centre has an article titled “Add a Rental Property” that we did not open, so ProjectionLab may do more with rentals than its main pages say. Ask before you rule anything out.

A planner or a map

The two products share a word, net worth, and little else.

ProjectionLab is a planner. Its homepage promises financial plans you love and a way to simulate your financial future; its features include Monte Carlo simulation, cash-flow diagrams, tax analytics, estate planning and a calculation of when you could reach financial independence.^[3] You model your life, the tool runs it forward, and you adjust the assumptions. The output is a range of futures.

Owned Map is a map and a calculator. It starts from the assets themselves. Open any one and you see its value, what you paid, income, expenses, loan, your share, and the documents and dates attached, and from those the yield, cash flow, equity, loan-to-value, payback and net worth after debt. The output is a clear picture of the present, asset by asset.

A planner needs one number for each bucket: “real estate: $1.2 million”. A map is where that number comes from, and it also tells you that one of the three properties behind it earns 4% and another 8%. The planner cannot fix a weak property; the map cannot say whether you can retire at 58. They sit at different ends of the same decision.

No bank linking, on both sides

This is the rare comparison where the privacy story is the same. ProjectionLab’s help centre says it “doesn’t support linking financial accounts directly” and that it intends to explore optional linking in the future. It offers optional plugins built by third parties for Lunch Money, YNAB and Monarch, which you switch on yourself.^[2] Its data page says the app runs on Google Cloud and Firebase, encrypts data at rest and in transit, does not require linking your accounts and never sells your planning data.^[4]

Owned Map does not connect to a bank, a broker or a card. There is nothing to authorize and no bank login to protect. You enter figures by hand, or import a CSV or read them from a document you upload, and you review them before anything is saved.

So if your reason for looking is “I do not want an app to log in to my bank”, neither of these is a problem. Our page on the net worth tracker without linking bank accounts explains what manual tracking costs you in effort, and what it saves you in exposure.

Feature by feature

Planning

ProjectionLab wins this without a contest. Basic lists forecasting, financial planning, Monte Carlo simulations, historical backtesting and flexible modeling. Premium adds cash-flow projections, tax optimization, withdrawal strategies, estate planning, what-if scenarios, Roth conversions, downloadable reports and international planning.^[1] Owned Map has projections of how an asset’s value and loan balance move over the years, and a sale simulation that shows what you would keep after costs, tax and the loan. It does not simulate your retirement.

Judging each asset

This is Owned Map’s ground. For every income-producing asset it shows gross yield, net yield on current value, yield on cost, cash flow after the loan, payback, equity and loan-to-value, and it ranks them by net yield. The net yield is the capitalization rate: net operating income divided by current value, not the price you paid.^[5] ProjectionLab’s net worth page says you can add real estate and debt;^[3] it does not list per-asset yield on the pages we read.

Anything that is not a financial account or a house

Land, cars, trucks, motorcycles, RVs, yachts, sailboats, jet skis, aircraft and heavy equipment each get a pin on the map in Owned Map, with a value, costs, documents and dates, and they count in your net worth. ProjectionLab’s pages list “financial accounts, real estate, debt, and other items”;^[3] we did not find vehicles or boats named.

Sharing and ownership

If you hold a property with a partner or a sibling, Owned Map applies your ownership share to every figure, so your net worth and cash flow are yours rather than the whole property’s. It also lets you share a read-only link and add household members. We did not find an equivalent on the ProjectionLab pages we read.

What neither does

Neither is a bookkeeping tool or a tax form generator. Neither collects rent. If you need your rental income sorted by tax category, that is a landlord tool; see how we compare with the best known of them in Stessa vs Owned Map.

A worked example: a rental house, land and a boat

Imagine an owner of three things: a rented house, a plot of land held for the future, and a boat. These are the inputs, and what Owned Map calculates from them.

The rented house

• Value $420,000. Purchase cost $350,000. Rent $30,000 a year. Expenses $10,500. Loan balance $250,000, payments $1,500 a month.

• Net operating income: $30,000 − $10,500 = $19,500 a year
• Gross yield 7.1%, net yield on value 4.6%, yield on cost 5.6%
• Cash flow after the loan: $19,500 − ($1,500 × 12) = $1,500 a year, $125 a month
• Equity $170,000; loan-to-value 59.5%; payback 17.9 years; appreciation 20.0%

The land

• Worth $90,000, bought for $70,000, so it is up 28.6%. Property tax and upkeep cost $1,200 a year, which is 1.3% of its value. It earns nothing.

The boat

• Worth $64,000, bought for $80,000, so it has lost 20.0%. Mooring, insurance and upkeep cost $6,400 a year, which is 10.0% of its value, about $533 a month.

Together

Value: $420,000 + $90,000 + $64,000 = $574,000. Debt: $250,000. Net worth: $324,000. Cash flow across all three: $1,500 − $1,200 − $6,400 = −$6,100 a year.

Reading the example

Here is what a planner would do with this. You would enter roughly $574,000 of assets, $250,000 of debt and a yearly cost of holding them, and ask what that does to your plan over 30 years. That is a good question, and ProjectionLab is built for it.

Here is what the map adds before you ask it. The house is the only asset that pays, and it pays thinly: a 4.6% net yield and $125 a month after the loan, with a 17.9-year payback. The land costs 1.3% of its value to hold and has risen 28.6%, so it is doing its job. The boat loses money in two ways at once, down 20.0% on what you paid and costing 10.0% of its value every year. Together the three subtract $6,100 a year from your cash. A plan that treats them as one bucket would never show that the boat is the largest line.

Two points keep the numbers honest. The net yield divides by current value, not the original price.^[5] And the loan payment sits outside net operating income, because the IRS tells US rental owners that mortgage principal payments cannot simply be deducted; keep accurate records and separate repairs from improvements.^[6] Cash flow, property performance and taxable profit are three different numbers, and your accountant owns the third.

Documents and dates

Ownership produces paper and deadlines: a deed, a title, a registration, an insurance policy that renews, a loan agreement. The costly surprises usually come from a date nobody wrote down.

Owned Map keeps documents on any asset and holds the dates (insurance, tax, registration, inspections) with reminders, so the policy and its renewal sit next to the thing they cover. Upload a deed, an invoice or a contract and the details are read for you to review before anything is saved; check the result, because it is a help and not an oracle. We did not find documents or reminders on the ProjectionLab pages we read.

For every asset keep four things together: proof of ownership, the insurance policy, the loan agreement if there is one, and the next date that needs action. Our free inventory template uses the exact columns the app imports.

If something happens to you

Estate planning is one of ProjectionLab’s Premium features,^[1] and it is a planning feature: it models what happens to money. It does not tell an executor which boat exists and where the title is kept. In Caring.com’s 2025 survey of more than 2,500 US adults, only 24% said they have a will, down from 33% in 2022.^[7] An executor cannot settle what nobody knows exists.

Owned Map lets you share a read-only link, give household members access, and set a private emergency sheet for one trusted person. The Nebraska Department of Insurance advises recording brand, price, purchase date, model, serial number and receipts, with photos, and the same applies to vehicles and boats, with the registration or title number added.^[8]

Price

ProjectionLab’s pricing page lists Basic at $0 a year, Premium at $129 a year and Pro, for advisors and coaches, at $549 a year. The page does not state monthly prices; the homepage mentions monthly, annual or lifetime options without figures. Its Premium button offers a free trial whose length the pages we read do not give, and its help centre says refunds are reviewed case by case.^[1] Check projectionlab.com/pricing for today’s terms.

Owned Map’s pricing is public and simple. $47 a month includes 3 assets. $15 each for assets 4 to 10, $10 each for assets 11 to 25 and $5 each from the 26th, up to 100 assets. Paying yearly is 30% less. There is a 7-day free trial, and a card is required.

ProjectionLab Basic is free and Premium is $129 a year, so for the same three assets Owned Map ($394.80 a year paid yearly) costs more. They answer different questions, so the right comparison is what you would otherwise do. If you would otherwise keep a spreadsheet of properties, loans, shares and renewal dates, Owned Map replaces it. If you would otherwise guess at your retirement, ProjectionLab replaces that.

Who should choose which

Choose ProjectionLab if

• Your main question is about retirement, spending or financial independence.
• You want Monte Carlo simulation, tax estimation or withdrawal strategies.
• You want a capable free plan to start with.

Choose Owned Map if

• You want to compare assets on yield, cash flow, equity and loan-to-value.
• You own more than houses and accounts: land, vehicles, boats, aircraft or equipment.
• You hold properties with partners and want your own share of every figure.
• You want documents, renewal dates and an emergency sheet next to each asset.

A five-question test

1. Do you want to know if you can retire by a certain age? If yes, ProjectionLab.
2. Do you need to know which of your properties is weakest? If yes, Owned Map.
3. Do you own anything that is not a house or an account? If yes, Owned Map covers it.
4. Do you share ownership of any asset? If yes, Owned Map applies your share.
5. Could someone find your documents if something happened to you? If not, fix that first, with either tool.

Using both

A sensible setup for an owner with a plan and a portfolio is Owned Map for the assets and ProjectionLab for the plan. Once a year, update the values in Owned Map, read off the total value, debt and yearly cost of holding your assets, and feed those into ProjectionLab’s plan. The two never need to talk to each other, which suits an owner who does not want accounts linked anywhere.

To start Owned Map from a spreadsheet, download the inventory template, paste your list in and import the CSV. If it is not for you, you can cancel from your profile menu and export your data first. For another view of how Owned Map works for landlords, read about the rental property portfolio tracker.

How we checked

We wrote this page on November 7, 2026. What we say about ProjectionLab comes from its public pricing page, its net worth page, its homepage and three help-centre articles (refunds, plugins and data security), which carry their own dates. We have not run a plan in ProjectionLab, so where we found nothing we say “not listed”, not “not available”. What we say about Owned Map is what the product does today.

Every outside claim is numbered and listed under Sources below. Both products change. If you spot something out of date, email support@ownedmap.com and we will correct it.

Sources

1. ProjectionLab: pricing, ProjectionLab. Basic is $0 a year; Premium is $129 a year; Pro, for advisors and coaches, is $549 a year. Monthly prices are not stated on the page. Read November 3, 2026.
2. ProjectionLab: plugins, ProjectionLab help centre. ProjectionLab does not support linking financial accounts directly; optional third-party plugins exist for Lunch Money, YNAB and Monarch (page updated June 23, 2026). Read November 3, 2026.
3. ProjectionLab: net worth, ProjectionLab. Add financial accounts, real estate, debt and other items to track assets, liabilities and net worth. Read November 3, 2026.
4. ProjectionLab: data security, ProjectionLab help centre. Runs on Google Cloud and Firebase, encrypted at rest and in transit; does not require linking financial accounts and does not sell planning data. Read November 3, 2026.
5. Capitalization rate, Wikipedia. The cap rate is net operating income divided by current value, not the original price. Read November 3, 2026.
6. Publication 527, Residential Rental Property (2025), Internal Revenue Service. You cannot simply deduct mortgage principal payments; separate the costs of repairs and improvements and keep accurate records; residential rental property is depreciated over 27.5 years under GDS. Read November 3, 2026.
7. Wills Survey 2025, Caring.com, with YouGov. 24% of respondents have a will, down from 33% in 2022 (more than 2,500 US adults). Read November 3, 2026.
8. Before the Storm: Don’t Wait Until It’s Too Late, Nebraska Department of Insurance. An inventory should record brand, price, purchase date, model, serial number and receipts, with photos. Read November 3, 2026.