Retirement planning apps compared: United Kingdom
There is no single best app: it depends on what you need. Each app here plans for this country; the facts about it come from its own public pages, Family Office's from its own code. We make Family Office, so read our rows knowing that.
What Family Office covers in this country
| UK tax | Income tax with Scotland's own bands, capital gains tax and dividend tax, year by year in the plan, and inheritance tax on the estate it leaves |
|---|---|
| Pensions | SIPP, ISA, Lifetime ISA, Junior ISA and State Pension; other pension income as an annuity |
| Bank links | None yet; Plaid links work in other countries only (Canada and United States) |
| Other countries | 122 tax regimes in 34 countries; a move from one to another in the plan on Premium and up |
| Where data is kept | Amazon Web Services in London (eu-west-2); bank links (Plaid), payments (Stripe) and maps (Google) through US providers; e-mail through Google Workspace; see the privacy policy for the full list |
Side by side
| App | Bank links | Free plan | Price | Monte Carlo |
|---|---|---|---|---|
| Family Office (ours) | None yet; Plaid links work in other countries only (Canada and United States) | Yes, with no card and no time limit: up to 8 items, one taxpayer and a projection of 5 periods. The paid plans start with 14 days free, card needed. The calculators are free, with no account. | £12 to £49 a month ($15 to $59, CA$20 to CA$79); a year costs the price of 10 months | The chance of success on every plan, the Free plan included; the paths and the fan chart on Gold and Platinum |
| Family Office vs WealthR | None: manual entry by design, no Open Banking | Yes: net worth, the UK tax calculator, the Monte Carlo chance, one property, one asset group and 12 months of history | Pro GBP 5.99 a month or GBP 39.99 a year; 7-day free trial | 5,000 simulated futures: the chance your money lasts is free, the full simulator is on Pro |
| Family Office vs Delphina | None: Delphina has no link to your bank | Yes, with no time limit and no card: a 5-year forecast, up to five assets, one portfolio, no data export | Wealth Builder GBP 9.99 a month, Investor GBP 19.99 a month | On Investor |
| Family Office vs Fidelity | Not stated | UK calculator: an anonymous short quiz | No fee to generate a plan | US planner: yes |
| Family Office vs ProjectionLab | None: no link to your accounts | Yes: forecasting, Monte Carlo and historical backtesting | Premium $129 a year; Pro $549 a year for advisers | Yes, on every plan, with historical backtesting |
| Family Office vs a spreadsheet | You type or paste the figures | Yes: LibreOffice Calc is free | Free with LibreOffice | Possible if you build it |
WealthR
WealthR is built in Edinburgh for self-directed UK investors, still working or retired: net worth, UK tax, pensions and property, entered by hand.
Delphina
Delphina calls itself the UK's personal financial clarity platform: forecasts and goals for UK households, with ISAs, SIPPs and UK tax built in.
Fidelity
Fidelity offers free retirement tools: in the UK, a short anonymous retirement calculator powered by Wealth Wizards; in the US, a Retirement Planner for persons in the US.
ProjectionLab
ProjectionLab is a planning tool with forecasting, Monte Carlo and historical backtesting on its free plan, presets for several countries including the UK, and a Pro plan for advisers.
A spreadsheet
A spreadsheet suits someone who wants to see and change every formula, and is happy to build and update them.
Other comparisons
Facts about other apps checked on 2026-11-10. Prices and features change: each app's own page is the reference.