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Scenarios

scenarios.uk

From £6/mo Free plan Web
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Spec score 7.4 #23 of 34 in Financial Planning Software

What it is

Scenarios is a web-based financial modelling tool for exploring retirement projections, testing assumptions and considering long-term trade-offs. It runs 1,000 independent simulations using investment returns, inflation and market conditions, then presents results as percentile bands. The free plan includes a wealth fan chart, editable plan inputs and configurable assumptions.

Paid features include a UK tax engine modelling 2026/27 rules, including Scottish income tax bands, capital gains, dividend and savings taxes, and pension allowances. Planning tools include cashflow and portfolio analysis, scenario comparison, retirement safety analysis, withdrawal strategies, inheritance tax planning, life events and spending phases. Solo costs £6/month billed annually (£72/year) and allows three saved plans, 100 AI requests per month and comparison of up to three scenarios; it does not include couple modelling. Duo costs £10/month billed annually (£120/year), supports joint modelling for two people and provides a combined household view. The maker says data is encrypted in transit and at rest, hosted in the EU and not transferred outside the UK/EEA. Scenarios says it is UK GDPR compliant and does not provide financial advice; its projections are illustrative and educational.

Spec sheet

Purpose
Scenarios is a financial modelling tool for individuals to explore retirement projections, stress-test assumptions, and understand long-term financial trade-offs.Read 7 Oct 2026 · scenarios.uk
Integrations
The privacy policy identifies Google sign-in, Stripe payment processing, and Anthropic as the processor for AI assistant messages.Read 7 Oct 2026 · scenarios.uk
Security
The maker says data is encrypted in transit and at rest, hosted in the EU, and not transferred outside the UK/EEA; optional two-factor authentication is available.Read 7 Oct 2026 · scenarios.uk
Support
Support is available by email at [email protected], and the Help Centre says most queries are answered within 24 hours.Read 7 Oct 2026 · scenarios.uk
Headquarters
Nottingham, United KingdomRead 28 Sep 2026 · scenarios.uk
Cancellation
Paid subscriptions can be cancelled at any time without fees or notice, with access continuing until the end of the billing period.Read 7 Oct 2026 · scenarios.uk
Couples
The Duo plan supports joint modelling for two people with a combined household view and shared market conditions.Read 7 Oct 2026 · scenarios.uk
Limitations
Scenarios states that it does not provide financial advice and that its projections are illustrative and educational.Read 7 Oct 2026 · scenarios.uk
Planning tools
Paid features include cashflow analysis, scenario comparison, retirement safety analysis, portfolio analysis, withdrawal strategy tools, inheritance tax planning, life events, and spending phases.Read 7 Oct 2026 · scenarios.uk
Privacy and compliance
Scenarios says it is UK GDPR compliant and registered with the ICO under number ZC115276; it says it does not sell users’ data or use advertising trackers.Read 7 Oct 2026 · scenarios.uk
Simulation
The service runs 1,000 independent simulations using investment returns, inflation, and market conditions to produce percentile bands.Read 7 Oct 2026 · scenarios.uk
UK tax modelling
Its paid tax engine models 2026/27 UK tax rules, including Scottish income tax bands, capital gains, dividend and savings taxes, and pension allowances.Read 7 Oct 2026 · scenarios.uk

Plans and prices

Free Free Wealth fan chart · Editable plan inputs · Configurable assumptions · No sidebar sliders, full UK tax engine, cashflow breakdown, scenario comparison, or exports Read 7 Oct 2026 · scenarios.uk
Solo £72 a year £72/year; £6/month — billed annually 3 saved plans · 100 AI requests/month · Scenario comparison up to 3 · No couple modelling Read 7 Oct 2026 · scenarios.uk
Duo £120 a year £120/year; £10/month — billed annually 5 saved plans · 150 AI requests/month · Couple modelling · Combined wealth fan chart Read 7 Oct 2026 · scenarios.uk

Every Scenarios plan and price →

Strong points and limits

Strong points

  • Runs 1,000 simulations and shows percentile bands
  • Free plan includes editable inputs and assumptions
  • Paid plans model listed UK tax rules
  • Duo supports joint modelling for two people
  • Data is described as encrypted and EU-hosted

Limits

  • Free plan lacks the full UK tax engine
  • Free plan lacks cashflow breakdown and exports
  • Solo does not include couple modelling
  • Projections are illustrative, not financial advice

Who it suits

It suits individuals exploring retirement outcomes and how assumptions affect longer-term financial projections. Duo is intended for two people who want joint modelling and a combined household view.

Verdict

Scenarios offers a free starting point and paid planning tools for more detailed UK tax and retirement modelling. Treat its projections as educational, not financial advice, and compare plan limits before subscribing.

Where Specifiction places it

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