Timeline review
A UK-focused planning tool with detailed cash-flow, tax and scenario modelling.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Timeline is financial planning software for financial advisers, particularly UK advisers and firms. Its core use is modelling retirement and accumulation scenarios, comparing alternative plans, and explaining projected outcomes to clients. The feature set combines cash-flow modelling, historical-market stress testing, tax-wrapper planning, inheritance-tax planning, fact-finding, risk profiling, reporting and client-portal functions. Advisers can use it as a standalone planning tool or alongside Timeline’s portfolio and platform services.
Cash-flow modelling is the product’s clearest strength. Advisers can work with historical market and inflation data, run what-if scenarios, and compare alternative plans. Tax-aware planning and inheritance-tax planning add useful context for UK-focused advice, while customisable fact-finding and risk profiling support structured client reviews. Modular reporting, digital letters of authority, and audit trails extend the workflow beyond analysis. The client portal gives clients visibility of their financial plan and secure messaging, making Timeline more suitable for adviser-led planning processes than for standalone consumer budgeting.
The published plan shows one paid option, Timeline Planning, at £142 per month, billed monthly, with unlimited clients and VAT charged separately. That price places the product toward the higher-cost end of a focused cash-flow planning purchase, especially where a firm needs broader goal-planning or insurance-planning coverage. Timeline is a stronger fit for advisers who prioritise detailed cash-flow reviews, tax-aware modelling, and client communication. Firms seeking a wider planning scope, a non-web platform, or more extensive ecosystem coverage should compare alternatives before choosing it.
Timeline pros and cons
- Where it wins
- Cash-flow modelling uses historical market and inflation data
- Tax-wrapper and inheritance-tax planning support
- Client portal with plan visibility and secure messaging
- Where it doesn't
- £142 per month makes it a costly specialist option
- No explicit goal-planning or insurance-planning coverage
- Web-only access with four listed integrations
Timeline fact sheet, pricing and score →
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