#1 by market share, three years running · Retirement Distribution · T3 Survey
Comprehensive financial planning.
Built on deep retirement expertise.
Software for financial advisors. Help clients make clear decisions about retirement income, taxes, account withdrawals, and Social Security, with tools for the broader financial picture.
One platform.
Ready for the questions your clients actually ask.
Four core uses, one client plan. Client conversations start from specific numbers, not vague reassurance.
"When can I retire, and how much can I spend?"
Retirement Planning & Income
Income planning with spending guardrails and stress testing. Not "you have an 82% chance," but "you can spend $8,200/month, and here's the trigger that would change it." When markets fall, the guardrails already define the adjustment. For tracked plans, guardrails are recalculated monthly.
"How would different tax strategies affect my plan?"
Tax Planning & Roth Conversions
Tax Lab models how different strategies play out in the client's plan. For a Roth conversion: the bracket impact, suggested amount, and IRMAA effect, ready for the meeting.
"Which accounts should fund this expense?"
Tax-Aware Withdrawals
The Withdrawal Optimizer plans how to fund a one-time expense across the client's accounts, taxable and retirement alike: which accounts to draw from and the estimated tax cost, ready for your review.
"When should we claim, and what changes if we wait?"
Social Security Planning
The Social Security Optimizer analyzes 9,000+ claiming combinations for couples against the full plan. Highest-rated Social Security tool in the T3 2026 survey (8.60).
More Planning Tools
The broader financial picture
Retirement depth is the foundation. These tools cover more of the household's finances.
"Are we saving enough?" The plan's accumulation years run on the savings you enter. A separate view compares retirement dates against monthly savings levels and shows the spending each combination could support, in today's dollars.
"What will college cost, and how do we cover it?" Build a per-student plan: school-specific costs, estimated financial aid, 529 savings, and the remaining gap, alongside the household's plan.
Model whole life, universal, indexed universal, and variable policies inside the plan, with premiums, cash value, and distributions reflected throughout the plan.
Every tool above works from the same client plan.
The Old Way
“You have an 82% probability of success.”
A number and a hope. Not an answer.
“What if I run out?”
What your client is thinking
The Income Lab Way
“You can spend $8,200 per month. Here's when that adjusts.”
Guardrails. Specific. Actionable. In the meeting.
“I can see exactly where I stand.”
What your client walks out with
Stop doing data entry like it’s 1992.
Income Lab works your way, not ours. Drop in the plans, notes, and conversations you already have. The platform drafts the rest, ready for your review.
01 · Plan Builder & Updater
Drop in the plans you already have.
Old plans and meeting transcripts. Income Lab drafts the plan from what’s already on your desk, ready for your review.
02 · Income Lab Pro Scribe
Record the meeting. Get the plan back.
Action items, assumptions, and decisions, parsed straight from the conversation. The plan is half-built before you leave the room.
03 · Income Lab Pro Interviewer
Send a smart questionnaire that builds the plan.
Clients answer at their own pace. A draft plan builds as they answer, ready for your review. Data entry comes off your desk.
We work your way. Not the other way around.
Everything in Core. Plus the productivity tools and AI paraplanner that scale you up.
Pro is the full Income Lab platform. Spending answers, tax analysis, stress testing, Social Security optimization. Everything from Core. Plus the AI productivity suite that cuts data entry, Penny your AI paraplanner, and practice-wide intelligence that surfaces opportunities across your whole book. Penny's answers: math from deterministic engines, sources cited.
Income Lab doesn't just serve your clients.
It grows your practice.
Advisors lose clients each year to attrition. The ones who keep them bring value proactively, not just reactively. That's what Income Lab is built for.
Clients Stay
Answer the hard questions with Income Lab. Show them the plan is working before they need to call. That confidence is what keeps clients for the long term and creates organic referrals.
Every Client Gets More
Practice Intelligence scans the households across your book and finds what you'd miss. Not alerts about markets. Actions for specific clients worth specific dollars. Proactive advice that deepens the relationship.
Your Practice Compounds
More households means more intelligence. More intelligence means more opportunities. More households surface more specific opportunities. Better outcomes, better retention, more referrals.
What Practice Intelligence finds in a single scan
Roth Conversion Window
The Johnsons: a conversion window in their current bracket, closing when pension distributions begin. Flagged in time to act.
IRMAA Cliff Alert
The Parks: sitting just above an IRMAA threshold.
Social Security Timing
The Chens: their claiming timing was worth a second look. Practice Intelligence flagged it so you can compare claiming ages against the full plan.
Charitable Tax Strategy
The Thompsons: charitable intent plus an RMD obligation. Practice Intelligence flagged a QCD fit worth exploring. The kind of proactive advice that keeps clients.
Practice Intelligence surfaces specific opportunities across your practice, household by household.
Works with the tools you already use.
SOC 2 Type II · Enterprise-grade security · View all integrations
Next time your client asks, you'll have the answer ready.
14-day free trial. Full Pro access. No contracts.
See why advisors choose Income Lab: comprehensive financial planning, specific answers clients can act on, and depth in retirement income.
Go deeper.
Explore the platform, the research, and the results.
Meet Penny
Capabilities, scenarios, and tools. The full Penny deep dive.
→ Pillar GuideRetirement Income Guardrails
The complete guide to dynamic spending, adjustment-based planning, and why guardrails go beyond Monte Carlo.
→ AI ProductivityAI Plan Builder & Updater
Drop in old plans or meeting transcripts. Income Lab drafts the plan from what you already have, ready for your review.
→ LearnAcademy & Webinars
Training, live webinars, and on-demand education from the Income Lab team.
→ PlansPricing
Core and Pro plans. Transparent pricing. 14-day free trial on both.
→ Ready?Book a Walkthrough
See Income Lab in action. See the full platform live, end to end.
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