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Scenarios
Nottingham, United Kingdom
What it is
Scenarios is a web-based financial modelling tool for exploring retirement projections and the long-term effects of changing assumptions. It runs 1,000 independent simulations using investment returns, inflation and market conditions, then presents outcomes as percentile bands. Users can edit plan inputs and configure assumptions. The free plan includes a wealth fan chart, while paid plans add cashflow analysis, scenario comparison, retirement safety analysis, portfolio analysis, withdrawal strategies, inheritance tax planning, life events and spending phases. The paid tax engine models 2026/27 UK rules, including Scottish income tax bands, capital gains, dividend and savings taxes, and pension allowances. Solo costs £6/month billed annually (£72/year); Duo costs £10/month billed annually (£120/year) and supports two-person household modelling. Data is encrypted in transit and at rest, hosted in the EU, and not transferred outside the UK/EEA. Scenarios states that projections are illustrative and educational, not financial advice.
For and against
For
- Runs 1,000 independent financial simulations
- Includes detailed 2026/27 UK tax modelling
- Supports scenario and withdrawal analysis
- Duo provides combined household modelling
- Free plan includes editable assumptions
Against
- Paid plans are needed for the full tax engine
- Social Security modelling is not provided
- Projections are illustrative, not financial advice
- Solo and Duo require annual billing
The verdict
Scenarios combines simulation-based retirement projections with UK tax and planning tools. Its free tier offers a starting chart and editable assumptions, while paid plans expand analysis and joint modelling.
Who it suits
Scenarios suits people planning retirement who want to compare assumptions, withdrawals, taxes and other long-term financial outcomes. Duo is designed for joint household planning.
Plans and prices
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
3 saved plans · 100 AI requests/month · Scenario comparison up to 3 · No couple modelling
Read 7 Oct 2026 · scenarios.uk
Duo
5 saved plans · 150 AI requests/month · Couple modelling · Combined wealth fan chart
Read 7 Oct 2026 · scenarios.uk
On the record
- Cancellation
- Paid subscriptions can be cancelled at any time without fees or notice, with access continuing until the end of the billing period.scenarios.uk · read 7 Oct 2026
- Couples
- The Duo plan supports joint modelling for two people with a combined household view and shared market conditions.scenarios.uk · read 7 Oct 2026
- Integrations
- The privacy policy identifies Google sign-in, Stripe payment processing, and Anthropic as the processor for AI assistant messages.scenarios.uk · read 7 Oct 2026
- Limitations
- Scenarios states that it does not provide financial advice and that its projections are illustrative and educational.scenarios.uk · read 7 Oct 2026
- 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.scenarios.uk · read 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.scenarios.uk · read 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.scenarios.uk · read 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.scenarios.uk · read 7 Oct 2026
- Simulation
- The service runs 1,000 independent simulations using investment returns, inflation, and market conditions to produce percentile bands.scenarios.uk · read 7 Oct 2026
- Support
- Support is available by email at [email protected], and the Help Centre says most queries are answered within 24 hours.scenarios.uk · read 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.scenarios.uk · read 7 Oct 2026
