How Hundred Summers compares
An honest comparison across the field. The UK consumer tools (Guiide, RetireEasy, EvolveMyRetirement, MyFinanceFuture, Moola, and, added October 2026, MoneyHorizon, Scenarios, FIRElogic and Delphina) are the head-to-head choice for someone planning their own retirement. The adviser suites (Voyant, the professional cashflow standard, CashCalc and EV Pro) are bought by firms, not individuals. ProjectionLab is the strongest self-directed international planner. All are credible tools; the differences below are about fit, not quality. Competitor details come from their public materials and were last verified in August–October 2026; prices are shown only where we hold a published figure; corrections are welcome at contact@hundredsummers.co.uk.
The one-line version: the UK consumer tools range from quick sense checks to fuller planners, and the closest to Hundred Summers in scope, MoneyHorizon, is free; the adviser suites are bought by firms; ProjectionLab is superb if your taxes are American; Hundred Summers exists for UK individuals who want a lifetime cashflow plan built on the UK's own tax, pension and inheritance rules, at a consumer price, with their data staying on their own device. Where a cell says “depth not compared here”, the tool covers the area and we have not ranked how deeply.
Also in the field, not tabled here: Timeline and Prestwood Truth (adviser platforms; Timeline's calling card is withdrawal-sustainability testing on historical data), and Boldin (formerly NewRetirement, ProjectionLab's closest rival, whose strengths are US-tax-specific). Wealth365 (planning and practice software for adviser firms, in closed beta in October 2026) is watched until it opens to individuals.
| Hundred Summers | Guiide | RetireEasy | EvolveMyRetirement | MyFinanceFuture | Moola | MoneyHorizon | Scenarios | FIRElogic | Delphina | Voyant | CashCalc | EV Pro | ProjectionLab | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Who it's for | UK consumers, plus an adviser tier where the client owns the data; for other software, the engine by API (a proof of concept for design partners, October 2026) | UK savers building a retirement income plan | UK consumers, single or couples: a subscription planner established in 2011 | UK consumers, single or couples | UK consumers: individuals and couples, primarily in their 40s, 50s and 60s planning the transition to retirement | UK consumers: AI-guided financial planning with coaching | UK individuals and couples: a free whole-life planner launched in August 2026 | UK individuals (Solo) and couples (Duo) planning retirement | UK individuals and couples planning retirement, including early retirement | UK consumers wanting a monthly on-track check; an adviser tier too | Financial advisers (adviser-owned) | Financial advisers (FE CashCalc, part of FE fundinfo) | Financial advisers | Consumers, US-first with international presets |
| Typical price | Free / £4.99 per month or £49.99 per year / adviser £39 per month | Free: no referral fees today; earns from licensing its technology and, once launched, a drawdown product | Basic £5.99 per month / Classic £7.99 per month or £79 per year / Premium £9.99 per month or £99 per year | Free Basic / Standard £19.99 per year / Premium £54.99 per year, with strategy credits topped up separately | Free Basic (a quick outline plan) / Premium £95 for a year's access | Freemium | Free: no paid tier and no account | Free / Solo £72 per year / Duo £120 per year | £29.99 for a 12-month licence; a free one-week check-up once a year | Free / £79 or £149 per year (£9.99 or £19.99 per month); advisers £499 per seat per year | £175 per adviser per month (AdviserGo), as listed on its UK pricing page | £80 per adviser per month plus VAT, with a free paraplanner licence | Per-seat, on quotation | Free Basic / Premium $129 per year / Pro for advisers $549 per year |
| UK tax depth | rUK and Scottish bands, NI (incl. Class 4), personal-allowance taper, HICBC, marriage allowance, CGT, savings and dividend tax | Estimates the tax on your income and shows a tax-efficient way to take it | Income tax, with single or dual (couples) tax tables; capital gains tax not calculated (its FAQ) | Current rates and bands for income tax (Scottish rates by postcode), NI, CGT and IHT, with ISA and pension rules | Income tax (including Scottish and Welsh rates), National Insurance, CGT and IHT, with marriage allowance | Guidance-led: tax-modelling depth not compared here | Income tax and NI at 2026/27 rates, the personal-allowance taper, savings and dividend allowances, CGT; Scottish bands not stated | A 2026/27 UK tax engine (paid tiers) with Scottish bands, CGT with cost-basis tracking, and dividend and savings tax | UK tax including Scottish bands, and a tax-aware withdrawal order; its tax engine is checked against an independent re-implementation | Tax depth not detailed on its site; tax planning marked as coming soon | UK tax modelled for advisers: depth not compared here | UK tax modelled for advisers: depth not compared here | UK tax modelled for advisers: depth not compared here | UK tax presets on Premium, including National Insurance and marriage allowance; the finer structure not compared here |
| Pensions | Annual allowance with taper and carry-forward, MPAA, tax-free cash with the lump-sum allowance, DB schemes, annuities, State Pension from your NI record with triple lock and deferral | DC pots, other savings and the State Pension; annuity and drawdown blended at market rates | Pensions alongside investments, property and business assets in one lifetime view | ISA and pension tax rules modelled; the drawdown strategy is optimised rather than hand-set | DB and DC pensions, drawdown, UFPLS and tax-free cash, annuities, the State Pension, the MPAA, the lump-sum allowance and carried-forward annual allowance | Guidance-led: pension-modelling depth not compared here | Annual allowance with taper and carry-forward, MPAA, tax-free cash, DB pensions with capped indexation, the State Pension with deferral, annuities | Pensions and ISAs modelled together, with a tax-free cash (PCLS) vs UFPLS withdrawal optimiser | Both partners' SIPPs, ISAs and State Pensions, with withdrawals sequenced across accounts | Pensions, ISAs and SIPPs tracked and projected, with drawdown planning; allowance mechanics not detailed | Pensions modelled for advisers: depth not compared here | Drawdown and PCLS covered; other pension rules not compared here | Allowances and drawdown covered: depth not compared here | ISAs, workplace pensions and SIPPs; tax-free cash (PCLS) and UFPLS withdrawals; MPAA and tapered annual allowance calculations |
| Inheritance tax | UK IHT: nil-rate bands with taper, gifts and 7-year clocks, charity rate, the 2026 relief cap and the 2027 pensions rule | Not covered | Not stated on its site | Deducted in projections at current rates and bands | IHT included in the built-in UK tax rules, with ways to reduce the bill explored | Not compared here | Inside the projection at every age: gifts and their seven-year clocks, the residence band taper, transferable bands and pensions in the estate from 2027 | Inheritance tax planning and gift modelling (paid tiers) | Estimated per person with both nil-rate bands and the 2027 pensions rule (though its terms say inheritance tax is not covered) | Not stated on its site | Covered: depth not compared here | Covered: depth not compared here | Covered: depth not compared here | Estimates UK inheritance tax on the estate (Premium): depth not compared here |
| Stress testing | Monte Carlo up to 10,000 paths (correlated assets, fat tails, persistent inflation, validated against 1928–2023), a historical backtest of your own full plan through every market sequence since 1928, and a named stress battery (market crash tomorrow, a year without earnings, an unexpected £20,000 bill, care arriving early, living to 100), each re-run through the full engine | Stress tests of the plan (such as living longer), not Monte Carlo | Forecasts when the money runs out, with what-if scenarios (up to 10 saved on Premium); Monte Carlo not stated on its site | Monte Carlo simulation, driving its strategy optimiser | Resilience testing against higher inflation, lower returns and unexpected events, across multiple scenarios; Monte Carlo not stated | Scenario modelling in its dashboard; stress testing not compared here | Ten named stress tests, replays of 1973, 2000 and 2008, and a Monte Carlo that resamples UK market history since 1871 | Monte Carlo of 1,000 runs with correlated returns and percentile bands | Deterministic stress scenarios such as higher inflation; no Monte Carlo found | Monte Carlo against thousands of market scenarios (Investor tier) | Monte Carlo (50 to 1,000 runs) and historical-returns insights alongside the cashflow projection | Deterministic, stochastic and gross cashflow modelling, with market simulations to stress-test plans | Stress-testing within an end-to-end adviser suite (assess, build, stress-test, review, solve) | Monte Carlo with custom probability distributions, and historical backtesting: polished and mature |
| Privacy | Plan data stays on your device; sharing is end-to-end encrypted: the server holds only ciphertext | Cloud-hosted | Cloud-hosted | Cloud-hosted | Cloud-hosted web app; data encrypted in transit and at rest under UK GDPR | Cloud-hosted; Open Banking connections on Moola Pro | Plan data stays in your browser; optional sync is encrypted on your device first | Stored on its servers (Supabase, AWS Frankfurt) and in your browser | Your figures stay on your device and are not stored on its servers | Cloud-hosted (AWS Dublin and Hetzner); no bank connection: you upload transactions | Cloud-hosted, adviser-controlled | Cloud-hosted, adviser-controlled | Cloud-hosted, adviser-controlled | Cloud-hosted (Google Cloud Firestore, encrypted at rest); never sells data |
| Who controls the data | The client. Your plan lives on your device; an adviser you share with works on a copy and can only propose changes, which you review line by line and accept or reject, and you can stop sharing at any time. The adviser supports; you decide | Your own account: no adviser role | Your own account: no adviser role stated | Your own account; a plan can be shared with another user, such as a financial adviser | Your own account: no adviser role stated | Your own account, with on-demand coaching from qualified experts | Your own browser: no account and no adviser role; share links carry the plan itself | Your own account: no adviser role stated | Your own device: no adviser role | Your own account; an Advisory Studio tier for advisers, coaches and accountants | The adviser owns and edits the plan; the client views and contributes updates through the client portal | The adviser owns the plan; the client adds to it through the client portal (fact-find, documents) | The adviser owns the plan; the client contributes through questionnaires | Your own plan; on the Pro tier an adviser manages client plans from their dashboard |
| Where they're stronger | — | Free with genuine UK tax awareness: an excellent quick sense check | Years of UK track record (since 2011), lifetime mortgages and home downsizing, narrative reports and a life assurance premium checker | Handles couples, and its genetic algorithm searches for an optimal strategy rather than testing the one you entered | Built around the shape of the transition (carry on working, downshift, go part time or change career) with a planning guide, email help and couples supported; a free outline plan in minutes | Simplicity and accessibility: conversational guidance and on-demand coaching, with no learning curve | Free and private, with couples, inheritance tax and gifts, and UK market history since 1871 in one projection, plus live gilt yields and a retirement income lab | A full UK tax engine, a 1,000-run Monte Carlo and couples modelling at a low annual price, with an AI support agent | Data that never leaves your device, a couples-first design, and a tax engine tested against an independent re-implementation, for £29.99 a year | A simple monthly verdict with one clear action, spending categorisation, and paid one-to-one coaching | Breadth of adviser workflow, integrations, goals-based Monte Carlo, and 15+ years of professional trust | Price among adviser suites, a large adviser base (848,000 cashflows created), stochastic and deterministic modelling in one tool, and a wide calculator set | Risk profiling (attitude to risk, knowledge and experience, capacity for loss, sustainable investing), annuity quotes through iPipeline and a secure lifetime income option inside drawdown | UI polish, a large community, years of reviews, and deep US tax analytics |
Competitor information from public materials, last verified August–October 2026. Guiide, RetireEasy, EvolveMyRetirement, MyFinanceFuture, Moola, Voyant, CashCalc, EV Pro, ProjectionLab, Timeline, Prestwood Truth and Boldin are trademarks of their respective owners; none endorses Hundred Summers. Education, not advice — the right tool depends on your circumstances.