| Anonymous | Signed Up | |||
|---|---|---|---|---|
| Guest | Basic | Standard | Premium1 | |
| Free Allows initial use without signing up. Sign-up is required to generate a strategy or save work for later. | Free Provides the ability to create a plan, generate a strategy, analyse results, and save work for later. | £... /year All Basic features plus additional capabilities, including manual editing of strategy settings and numerical scenario views. | /year All Standard features plus additional capabilities, including multiple plans, advanced strategy controls, and unlimited reports. | |
| Create plans | ||||
| Create plans | ✔ 1 plan | ✔ 1 plan | ✔ 1 plan | ✔ Unlimited plans |
| Add up to two plan members | ||||
| Add up to two plan members | ✔ | ✔ | ✔ | ✔ |
| Specify attitudes to risk, legacy, etc. | ||||
| Specify attitudes to risk, legacy, etc. | ✔ | ✔ | ✔ | ✔ |
| Enter tangible asset values (e.g. property) | ||||
| Enter tangible asset values (e.g. property) | ✔ | ✔ | ✔ | ✔ |
| Enter state pension | ||||
| Enter state pension | ✔ | ✔ | ✔ | ✔ |
| Enter annuities & Defined Benefit pensions | ||||
| Enter annuities & Defined Benefit pensions | ✔ | ✔ | ✔ | ✔ |
| Enter employments | ||||
| Enter employments | ✔ | ✔ | ✔ | ✔ |
| Enter self-employments | ||||
| Enter self-employments | ✔ | ✔ | ✔ | ✔ |
| Enter any other income | ||||
| Enter any other income | ✔ | ✔ | ✔ | ✔ |
| Enter asset values | ||||
| Enter asset values | ✔ | ✔ | ✔ | ✔ |
| Enter debts | ||||
| Enter debts | ✔ | ✔ | ✔ | ✔ |
| Enter life insurance policies | ||||
| Enter life insurance policies | ✔ | ✔ | ✔ | ✔ |
| Enter anticipated inheritance(s) | ||||
| Enter anticipated inheritance(s) | ✔ | ✔ | ✔ | ✔ |
| Enter present and future spending | ||||
| Enter present and future spending | ✔ | ✔ | ✔ | ✔ |
| Modify plan details | ||||
| Modify plan details | ✔ | ✔ | ✔ | ✔ |
| Modify financial assumptions | ||||
| Modify financial assumptions | ✔ | ✔ | ✔ | ✔ |
| Save plan for later | ||||
| Save plan for later | ✔ | ✔ | ✔ | |
| Share plan with another user | ||||
| Share plan with another user | ✔ | ✔ | ✔ | |
| Generate strategy | ||||
| Generate strategy | 2 credits at sign-up2 | 2 credits added at upgrade/extension2 | 5 credits added at upgrade/extension2 | |
| Monte Carlo simulation | ||||
| Monte Carlo simulation | ✔ | ✔ | ✔ | |
| View detailed results of strategy | ||||
| View detailed results of strategy | ✔ | ✔ | ✔ | |
| Use the AI Assistant | ||||
| Use the AI Assistant | ✔ | ✔ | ✔ | |
| Sensitivity analysis | ||||
| Sensitivity analysis | ✔ Up to 2 | ✔ Up to 2 | ✔ Unlimited | |
| Survival analysis | ||||
| Survival analysis | ✔ 1 | ✔ 1 | ✔ Unlimited | |
| Scenarios: charts | ||||
| Scenarios: charts | ✔ | ✔ | ✔ | |
| Scenarios: underlying numerical analysis | ||||
| Scenarios: underlying numerical analysis | ✔ | ✔ | ||
| Scenarios: run with fine-grained options | ||||
| Scenarios: run with fine-grained options | ✔ | ✔ | ||
| Manually edit strategy | ||||
| Manually edit strategy | ✔ | ✔ | ||
| Download full plan report | ||||
| Download full plan report | ✔ | ✔ | ||
| Ability to rule out the possibility of buying new lifetime annuities | ||||
| Ability to rule out the possibility of buying new lifetime annuities | ✔ | ✔ | ||
| Ads-free experience | ||||
| Ads-free experience | ✔ | ✔ | ||
| Access plans shared with you | ||||
| Access plans shared with you | ✔ | |||
| Create an unlimited number of plans | ||||
| Create an unlimited number of plans | ✔ | |||
| Make copies of your plans that you can modify independently | ||||
| Make copies of your plans that you can modify independently | ✔ | |||
| Transfer plans to other users | ||||
| Transfer plans to other users | ✔ | |||
| Modify default planning assumptions | ||||
| Modify default planning assumptions | ✔ | |||
| Ability to exclude the possibility of equity release from the model | ||||
| Ability to exclude the possibility of equity release from the model | ✔ | |||
| Explicitly plan for long-term care | ||||
| Explicitly plan for long-term care | ✔ | |||
| Create AI-generated overview of plan, strategy, and results | ||||
| Create AI-generated overview of plan, strategy, and results | ✔ | |||
| Lock strategy setting(s) before generating | ||||
| Lock strategy setting(s) before generating | ✔ | |||
| Prioritised access to fastest processing | ||||
| Prioritised access to fastest processing | ✔ | |||
| Prioritised access to fastest processing | ||||
| Download API Guide for integration using REST | ✔ | |||
1 If you upgrade from a standard to a premium subscription, you’ll receive a discount based on the unused portion of your current plan. We subtract the value of any related bonus credits and apply a handling charge. You will never pay more than the regular price of a premium subscription. If your standard subscription is multi‑year and its remaining value exceeds the premium price, you will only pay the £1.25 handling charge. In that case, your subscription expiry date will be adjusted accordingly.
2 You can top up your strategy generation credits.
