Retirement planning. Taxes. Meetings. Done.
14-day free trial. Full Pro access. Cancel anytime.
Core
billed annually at $1,990 $2,388/yr billed monthly
2 months freeThe #1 rated retirement distribution tool. Guardrails, tax planning, Social Security, and reports advisors trust.
- Guardrails retirement income planning
- Tell clients exactly how much they can spend
- Stress test plans against 130 years of data
- Roth conversion optimizer with bracket management
- Social Security claiming, 9,000+ strategies
- Tax Lab: withdrawal sequencing across accounts
- Preretirement and accumulation planning
- Scenario comparisons and trade-off analysis
- Annuity modeling and income analysis
- Investment Strategy Planner with ticker-level detail
- Life Hub mind maps for holistic conversations
- Longevity-aware projections
- 43 state tax engines
- Custom asset allocation models
- One-page plans clients actually understand
- Custom report content with your firm disclosures
- 15+ integrations: Schwab, Fidelity, Orion
- AI Assistant for quick plan questions
Pro
billed annually at $2,990 $3,588/yr billed monthly
2 months freeEverything in Core plus Penny, your AI paraplanner. Tax analysis, practice intelligence, and meeting prep in seconds.
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Eliminate data entry Drop in old plans, intake forms, or custodian exports. Income Lab builds and updates the plan from what you already have.
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Build a plan from meeting notes Drop in notes or a document. Penny builds a complete plan in minutes, not hours.
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Auto-update plans from Zoom calls AI Scribe joins your meetings and captures the conversation. The plan updates itself.
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Zoom plugin for Income Lab Pull up any client's plan inside the Zoom meeting. No tab-switching mid-conversation.
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AI Interviewer for client onboarding Guided questionnaire asks clients the right questions. Data flows straight into their plan.
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Ask anything about a client's plan Ask a question in the meeting, get an answer from your client's real numbers. No guessing.
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Find every opportunity across your client base Roth windows, IRMAA cliffs, tax-loss triggers across every client in one search.
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Upload a 1040, get a full tax analysis Hand Penny a tax return. Brackets, IRMAA, and Roth opportunities in seconds.
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Verify any AI response with one click Every response has a Verify button. One click audits the math. Sign your name to it.
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Estate planning suite Inherited IRA, beneficiary allocation, gift vs. step-up, and charitable giving in one suite.
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Medicare and IRMAA planning Enrollment timelines, IRMAA projections to 65+, and appeal docs for both spouses.
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Account aggregation (Yodlee) Clients link their own accounts. Holdings and balances stay current. No spreadsheets.
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Team permissions and SSO Give paraplanners the right access level. Enterprise single sign-on for firms.
Support Staff Seats at $80/mo per seat. Add team members to either plan.
Need SSO, custom integrations, volume licensing, or a Core-only plan? Talk to our team.
One platform. Every retirement planning capability you need.
| What you can do | Core | Pro |
|---|---|---|
| Retirement income planning click to collapse | ||
| Tell clients exactly how much they can spend | ||
| Guardrails with upper and lower spending bounds | ||
| Show where every dollar of income comes from | ||
| Model income from pensions, Social Security, annuities, and portfolios | ||
| Adaptive spending plans that adjust with markets | ||
| Longevity-aware projections | ||
| Plan for pre-retirees and working-age clients, not just retirees | ||
| Tax planning | ||
| Optimal Roth conversion amount with bracket management | ||
| Tax-smart withdrawal sequencing across account types | ||
| Marginal tax rate visualization (federal, state, IRMAA, ACA) | ||
| Multi-year Roth conversion projections through 2050 | ||
| Full state tax engines for 43 states | ||
| Verify calculations against Congressional Budget Office tax model | – | |
| Upload a 1040 and get a complete tax analysis in seconds | – | |
| W-4 withholding analysis for clients | – | |
| NUA analysis for employer stock in 401(k)s | – | |
| Override plan assumptions with actual current-year tax numbers | – | |
| Social Security | ||
| Optimize claiming across 9,000+ strategy combinations | ||
| Divorced-spouse and survivor benefit modeling | ||
| WEP and GPO impact analysis | ||
| Social Security tax torpedo visualization | ||
| Medicare and healthcare | ||
| IRMAA appeal calculator with SSA-44 instructions | – | |
| Medicare enrollment timeline with IEP dates per spouse | – | |
| ACA to Medicare transition coverage planning | – | |
| IRMAA surcharge projections to age 65+ | – | |
| Estate planning | ||
| Inherited IRA distribution optimizer (10-year rule) | – | |
| Tax-efficient beneficiary allocation across accounts | – | |
| Gift vs. step-up in basis comparison | – | |
| Year-by-year QCD and charitable giving optimizer | – | |
| Scenario analysis and stress testing | ||
| Stress test any plan against 130 years of market data | ||
| Side-by-side scenario comparisons | ||
| Model the impact of major life events (job loss, inheritance, divorce) | ||
| Compare state-to-state tax impact of relocation | ||
| Annuity vs. portfolio income comparison | ||
| Client deliverables and reporting | ||
| One-page retirement plans clients actually understand | ||
| Custom report content with your firm disclosures | ||
| Print-ready memos from any analysis | – | |
| White-labeled deliverables with your logo | – | |
| Life Hub mind maps for holistic planning conversations | ||
| AI and automation (Pro) | ||
| Ask any question about a client plan in plain English | – | |
| Build a complete plan from meeting notes in minutes | – | |
| Search your entire client base for planning opportunities | – | |
| Auto-update plans from Zoom call transcripts | – | |
| Guided data collection that asks the right questions | – | |
| Verify any AI response with one click | – | |
| Upload documents without selecting a household first | – | |
| Analyze prospects without an Income Lab plan | – | |
| Surface IRMAA and Roth opportunities across your client base | – | |
| Integrations and data | ||
| Import client data from Schwab, Fidelity, Orion, Black Diamond | ||
| CRM sync with Redtail, Wealthbox, Salesforce | ||
| Ticker-level investment analysis | ||
| Custom asset allocation models | ||
| Client-credentialed account aggregation (Yodlee) | – | |
| SSO and advanced team permissions | – | |
| Replace your stack | ||
| Retire standalone tax planning tools | ||
| Replace your Social Security optimizer | ||
| Consolidate Medicare and IRMAA planning into one tool | – | |
| Drop your separate estate planning tools | – | |
Retirement income planning
Tell clients exactly how much they can spend
Guardrails with upper and lower spending bounds
Show where every dollar of income comes from
Model income from pensions, Social Security, annuities, and portfolios
Adaptive spending plans that adjust with markets
Longevity-aware projections
Plan for pre-retirees and working-age clients, not just retirees
Tax planning
Optimal Roth conversion amount with bracket management
Tax-smart withdrawal sequencing across account types
Marginal tax rate visualization (federal, state, IRMAA, ACA)
Multi-year Roth conversion projections through 2050
Full state tax engines for 43 states
Verify calculations against Congressional Budget Office tax model
Upload a 1040 and get a complete tax analysis in seconds
W-4 withholding analysis for clients
NUA analysis for employer stock in 401(k)s
Override plan assumptions with actual current-year tax numbers
Social Security
Optimize claiming across 9,000+ strategy combinations
Divorced-spouse and survivor benefit modeling
WEP and GPO impact analysis
Social Security tax torpedo visualization
Medicare and healthcare
IRMAA appeal calculator with SSA-44 instructions
Medicare enrollment timeline with IEP dates per spouse
ACA to Medicare transition coverage planning
IRMAA surcharge projections to age 65+
Estate planning
Inherited IRA distribution optimizer (10-year rule)
Tax-efficient beneficiary allocation across accounts
Gift vs. step-up in basis comparison
Year-by-year QCD and charitable giving optimizer
Scenario analysis and stress testing
Stress test any plan against 130 years of market data
Side-by-side scenario comparisons
Model the impact of major life events (job loss, inheritance, divorce)
Compare state-to-state tax impact of relocation
Annuity vs. portfolio income comparison
Client deliverables and reporting
One-page retirement plans clients actually understand
Custom report content with your firm disclosures
Print-ready memos from any analysis
White-labeled deliverables with your logo
Life Hub mind maps for holistic planning conversations
AI and automation (Pro)
Ask any question about a client plan in plain English
Build a complete plan from meeting notes in minutes
Search your entire client base for planning opportunities
Auto-update plans from Zoom call transcripts
Guided data collection that asks the right questions
Verify any AI response with one click
Upload documents without selecting a household first
Analyze prospects without an Income Lab plan
Surface IRMAA and Roth opportunities across your client base
Integrations and data
Import client data from Schwab, Fidelity, Orion, Black Diamond
CRM sync with Redtail, Wealthbox, Salesforce
Ticker-level investment analysis
Custom asset allocation models
Client-credentialed account aggregation (Yodlee)
SSO and advanced team permissions
Replace your stack
Retire standalone tax planning tools
Replace your Social Security optimizer
Consolidate Medicare and IRMAA planning into one tool
Drop your separate estate planning tools
Every household, in focus. Every question, answered in the meeting.
See what Income Lab replaces in your stack.
"Income Lab has been a game changer for me. It's very clear how much you can spend and the guardrails around that number."
Frequently asked questions
Your clients are going to ask how much they can spend.
Have the answer ready.
Start Your Free Trial
14 days. Full Pro access. Cancel anytime during trial.