| Anonymous | Signed Up | |||
|---|---|---|---|---|
| Guest | Basic | Standard | Premium1 | |
| Free Lets you get started right away without signing up till you're ready to generate your strategy or you want to save your work for later. | Free The best way to get started in earnest. Create a plan, generate and optimise a strategy, analyse the results, and save your work for later. | £... /year All basic features, plus more including the ability to manually edit your strategy and view scenarios numerically. | /year All standard features, plus much more including multiple plans, partial optimisation, 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 | ✔ | ✔ | ✔ | |
| Optionally share plan with another user | ||||
| Optionally share plan with another user | ✔ | ✔ | ✔ | |
| Generate optimised strategy | ||||
| Generate optimised 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 | ✔ | ✔ | ||
| Suppress purchase of new annuities | ||||
| Suppress purchase of new 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 | ✔ | |||
| Lock strategy setting(s) before optimising | ||||
| Lock strategy setting(s) before optimising | ✔ | |||
| 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 already have a standard subscription, you'll receive a discount to your premium upgrade equal to the pro rata value of any unused subscription, less the pro rata value of related bonus credits, less a small handling charge: but the total price is capped at the standard premium price. However, if you have a multi-year standard subscription worth more in total than a premium subscription, then you'll only be charged the handling charge and your subscription expiry date will be brought forward.
2 You can top up your optimisation credits.
