Scenarios review
A UK-focused planner with free projections and paid tax, withdrawal and couple modelling.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Scenarios is a web-based retirement and financial planning platform for UK individuals and couples. It projects pensions, ISAs, property, spending, investment returns, inflation, taxes and withdrawals through year-by-year cashflow modelling. Monte Carlo simulations help explore possible outcomes, while scenario comparisons let users examine up to three projections. It is intended for educational and planning purposes, not regulated financial advice, so it suits households planning their finances rather than people looking for regulated advice within the product.
The plan structure makes it possible to begin without a subscription. Free includes a wealth fan chart, editable inputs, configurable assumptions and Monte Carlo simulation. Solo costs £6 per month when billed annually and adds the full UK tax engine, cashflow analysis, scenario comparison, withdrawal strategy optimisation, and CSV and report exports. The higher Duo tier costs £10 per month billed annually; it adds joint couple modelling, a combined wealth fan chart, shared market conditions and marriage allowance modelling. Buyers should compare those additions with their need for individual versus household projections before choosing a tier.
Its planning depth is oriented around UK finances: tax modelling covers income, capital gains, dividends and savings, while withdrawal analysis includes PCLS and UFPLS. The feature set also includes portfolio diversification, inheritance tax and gifting, plus a property and mortgage calculator; AI-generated explanations can describe plans and charts. That breadth will appeal to households who want to explore tax-aware retirement scenarios in one web service. It is a less natural fit for anyone seeking Social Security modelling or a documented connection to external financial providers, and couples who want joint projections need Duo rather than Free or Solo.
Scenarios pros and cons
- Where it wins
- Free plan includes Monte Carlo simulations and editable assumptions
- Solo adds UK tax, cashflow and withdrawal strategy analysis
- Duo supports joint planning, shared market conditions and marriage allowance modelling
- Where it doesn't
- Paid Solo and Duo prices are annual billing equivalents
- Couple modelling requires the Duo plan
- Not suited to buyers seeking Social Security modelling
Scenarios fact sheet, pricing and score →
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