Scenarios
Scenarios is a web-based financial modelling tool for exploring retirement projections and the long-term effects of financial assumptions.
What Scenarios is
Scenarios is a web-based financial modelling tool for exploring retirement projections and the long-term effects of financial assumptions. It runs 1,000 independent simulations using investment returns, inflation and market conditions, presenting results as percentile bands. The free plan includes a wealth fan chart, editable inputs and configurable assumptions. Paid plans add a UK tax engine for 2026/27 rules, including Scottish income tax bands, capital gains, dividend and savings taxes, and pension allowances. Other paid tools cover cashflow, scenario comparison, retirement safety, portfolios, withdrawal strategies, inheritance tax, life events and spending phases. Duo supports joint planning for two people with a combined household view and shared market conditions. Scenarios says data is encrypted in transit and at rest, hosted in the EU, and not transferred outside the UK/EEA. It also says it does not sell user data or use advertising trackers. The service does not provide financial advice; its projections are illustrative and educational.
Good
- Runs 1,000 simulations and displays percentile bands.
- Free plan includes editable inputs and configurable assumptions.
- Paid plans include detailed UK tax modelling.
- Duo supports joint household modelling.
Watch out
- Free plan lacks the full UK tax engine.
- Free plan lacks cashflow breakdown and scenario comparison.
Who it suits
It suits individuals comparing retirement assumptions and long-term financial trade-offs. Duo is intended for two people planning with a combined household view.
Verdict
Scenarios provides retirement projections with simulation-based outcomes and a range of paid planning tools. Treat its projections as educational, not financial advice.
Plans and prices
From Scenarios's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | Wealth fan chart · Editable plan inputs · Configurable assumptions · No sidebar sliders, full UK tax engine, cashflow breakdown, scenario comparison, or exports |
| Solo | £72 a year | 3 saved plans · 100 AI requests/month · Scenario comparison up to 3 · No couple modelling · £72/year; £6/month — billed annually |
| Duo | £120 a year | 5 saved plans · 150 AI requests/month · Couple modelling · Combined wealth fan chart · £120/year; £10/month — billed annually |
The facts
Each one read from Scenarios's own pages, with the date it was checked.
What it does
- Cancellation
- Paid subscriptions can be cancelled at any time without fees or notice, with access continuing until the end of the billing period.checked 7 Oct 2026
- Couples
- The Duo plan supports joint modelling for two people with a combined household view and shared market conditions.checked 7 Oct 2026
- Integrations
- The privacy policy identifies Google sign-in, Stripe payment processing, and Anthropic as the processor for AI assistant messages.checked 7 Oct 2026
- Limitations
- Scenarios states that it does not provide financial advice and that its projections are illustrative and educational.checked 7 Oct 2026
- 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.checked 7 Oct 2026
- Purpose
- Scenarios is a financial modelling tool for individuals to explore retirement projections, stress-test assumptions, and understand long-term financial trade-offs.checked 7 Oct 2026
- 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.checked 7 Oct 2026
- Simulation
- The service runs 1,000 independent simulations using investment returns, inflation, and market conditions to produce percentile bands.checked 7 Oct 2026
- Support
- Support is available by email at [email protected], and the Help Centre says most queries are answered within 24 hours.checked 7 Oct 2026
- 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.checked 7 Oct 2026
The company
- Headquarters
- Nottingham, United Kingdomchecked 28 Sep 2026
Money
- 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.checked 7 Oct 2026
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