Pay For Clarity When The Stakes Are High
You probably do not want another subscription. You want fewer irreversible surprises. Start free, pay for one full run when a choice is live, or keep unlimited access if you will keep asking.
A wrong guess on a house or a career change costs a lot more than £3.99. See the numbers first, then decide.
Free
Have a look — no card needed
- Model up to 2 decisions
- 15-year year-by-year projections
- UK tax in the model — income tax, NI (including Scotland), the higher-earner Child Benefit charge, funded childcare, student loans and SDLT
- Jobs, pensions, ISAs, property, Ltd and family inputs
- Track My Progress: planned versus recorded
- Mortgage, car BiK, and salary/dividend calculators
One Decision
Pay once when the stakes are high — no subscription
When one question is live:
- Premium result depth for that journey (tax, retirement, property, business)
- 30-year detailed projections
- 5 recalculations included
- Permanent journey access
- Full UK tax modelling for that journey
Premium
Save £16 yearly — unlimited decision paths
- Unlimited decision paths
- 30-year projections
- Tax, retirement, property and business result detail
- Monte Carlo market paths
- Historical market backtesting
- Side-by-side decision comparison
Lifetime Access
Pay once, use forever - only 100 spots available
Best value for ongoing decision modelling:
- Everything in Premium, with no renewal
- Unlimited decision paths
- 30-year projections, Monte Carlo and backtesting
- Side-by-side decision comparison
- One-time payment
What's Included
Free to explore. Pay once for a single decision. Subscribe when you want unlimited what-ifs.
| Feature | Free | Single Purchase | Premium | Lifetime |
|---|---|---|---|---|
| Number of journeys | Up to 2 | 1 per purchase | Unlimited | Unlimited |
| Projection length | 15 years | 30+ years | 30+ years | 30+ years |
| Recalculations | Unlimited | 5 per journey | Unlimited | Unlimited |
| Year-by-year cashflow | ||||
| UK income tax and NI (including Scotland) | ||||
| Jobs, pensions, ISAs, property, Ltd and family inputs | ||||
| The higher-earner Child Benefit charge, funded childcare, student loans and SDLT in the model | ||||
| Tax, retirement, property and business result detail | ✗ | |||
| Monte Carlo simulations | ✗ | |||
| Historical market backtesting | ✗ | |||
| Journey comparison | ✗ | |||
| Track My Progress (planned versus recorded) |
Common Questions
Can I Switch Between Plans?
Yes, you can upgrade or downgrade your plan at any time. When upgrading, you'll only be charged the prorated difference for your remaining subscription period.
Can I Try The Platform Before Subscribing?
Everyone gets a free account. Model your first 15 years and try the core tools before you pay for anything. If you want to see further ahead, Premium extends that to 30 years with Monte Carlo and the full result depth.
What Is The Single Purchase Option?
Single Purchase gives you one full-depth decision for £3.99, no subscription. Useful when you have a specific question — buying a property, changing career, or testing an early retirement date. Each purchase includes full premium modelling depth, 30-year projections, 5 recalculations, and permanent access to that path. Upgrade later if you end up with more than one question.
How Do The UK Tax Calculations Work?
The model applies current UK tax rules in every run — including income tax bands, National Insurance, corporation tax, dividend tax, ISA allowances, pension contribution rules, the High Income Child Benefit Charge (HICBC — the Child Benefit clawback that only starts once one parent earns over £60k), funded childcare, student loans and SDLT. Free includes that maths in year-by-year cashflow. Premium adds the Tax, Retirement, Property and Business result tabs, a 30-year horizon, Monte Carlo paths, historical backtesting and side-by-side comparison.
What Payment Methods Do You Accept?
We accept all major credit and debit cards, including Visa, Mastercard, and American Express. All payments are processed securely through Stripe with bank-level security.