Freedom251 › Financial Planning Software
Scenarios
What Scenarios is
Scenarios is a web-based financial modelling tool for individuals exploring retirement projections and long-term financial trade-offs. It runs 1,000 independent simulations using investment returns, inflation, and market conditions, then shows outcomes as percentile bands. The free plan includes a wealth fan chart, editable plan inputs, and configurable assumptions. Paid plans add a UK tax engine covering 2026/27 rules, including Scottish income tax bands, capital gains, dividend and savings taxes, and pension allowances. Other paid tools include cashflow analysis, scenario comparison, retirement safety and portfolio analysis, withdrawal strategies, inheritance tax planning, life events, and spending phases. Solo costs £6 per month billed annually (£72 per year); Duo costs £10 per month billed annually (£120 per year) and supports joint modelling 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 states that projections are illustrative and educational, not financial advice.
Who it suits
Scenarios suits individuals exploring retirement and other long-term financial scenarios through configurable assumptions. Duo is for two people who want joint modelling and a combined household view.
What it does well
- Runs 1,000 independent simulations.
- Free plan includes editable inputs and a wealth fan chart.
- Paid plans include UK tax modelling.
- Duo supports joint modelling for two people.
What to know first
- Free plan lacks the full UK tax engine.
- Free plan lacks cashflow breakdown and exports.
- Solo has no couple modelling.
Limits
The Free plan has a wealth fan chart, editable inputs, and configurable assumptions, but no full UK tax engine, cashflow breakdown, scenario comparison, or exports. Solo is listed with 3 saved plans, 100 AI requests per month, comparison of up to 3 scenarios, and no couple modelling. Duo is listed with 5 saved plans and 150 AI requests per month.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Wealth fan chart · Editable plan inputs · Configurable assumptions · No sidebar sliders, full UK tax engine, cashflow breakdown, scenario comparison, or exports | Free |
| Duo | £120/year; £10/month — billed annually · 5 saved plans · 150 AI requests/month · Couple modelling · Combined wealth fan chart | £120 a year |
| Solo | £72/year; £6/month — billed annually · 3 saved plans · 100 AI requests/month · Scenario comparison up to 3 · No couple modelling | £72 a year |
As scenarios.uk lists them, read 7 Oct 2026. The maker's own page has the final word.
Getting started
- Visit https://www.scenarios.uk/.
- Use the web service.
- Start with the Free plan or select Solo or Duo.
- Choose Duo for joint modelling of two people.
Verdict
Scenarios offers free projection tools and paid UK tax and planning features, with Duo adding shared household modelling. Its projections are educational, not financial advice.
Questions
Is Scenarios free?
Yes. The Free plan costs nothing and includes a wealth fan chart, editable plan inputs, and configurable assumptions.
What do Solo and Duo cost?
The pricing note lists Solo from £6 per month billed annually and Duo at £10 per month billed annually. The plan entries list £72 per year for Solo and £120 per year for Duo.
What does the free plan exclude?
It excludes sidebar sliders, the full UK tax engine, cashflow breakdown, scenario comparison, and exports.
Can two people plan together?
Yes. Duo supports joint modelling for two people, with a combined household view and shared market conditions.
Does Scenarios provide financial advice?
No. Scenarios says it does not provide financial advice and describes its projections as illustrative and educational.
How are paid subscriptions cancelled?
Paid subscriptions can be cancelled at any time without fees or notice. Access continues until the end of the billing period.
Facts from Scenarios's own pages
- 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, 7 Oct 2026
- Couples
- The Duo plan supports joint modelling for two people with a combined household view and shared market conditions. · scenarios.uk, 7 Oct 2026
- Headquarters
- Nottingham, United Kingdom · scenarios.uk, 28 Sept 2026
- Integrations
- The privacy policy identifies Google sign-in, Stripe payment processing, and Anthropic as the processor for AI assistant messages. · scenarios.uk, 7 Oct 2026
- Limitations
- Scenarios states that it does not provide financial advice and that its projections are illustrative and educational. · scenarios.uk, 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, 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, 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, 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, 7 Oct 2026
- Simulation
- The service runs 1,000 independent simulations using investment returns, inflation, and market conditions to produce percentile bands. · scenarios.uk, 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, 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, 7 Oct 2026
Where Scenarios stands on Freedom251
- Financial Planning Software#7 of 34
- Retirement Planning Software#17 of 26