How to compare scenarios

Summary

• The What-if tab overlays an alternative scenario on top of your baseline plan so you can see the impact side by side.
• Only sliders (retirement age, spending, contributions) vary between scenarios — accounts, life events, DB pensions and properties stay fixed.
• Use it to answer specific "what if" questions quickly, without leaving your dashboard.

Steps

1. Navigate to the What-if tab on your dashboard.

2. Your current plan is shown as the baseline. Adjust any input (retirement age, spending, contributions) to create an alternative scenario.

3. The chart overlays both scenarios so you can see the impact side by side — differences in median wealth, probability of success, and total income.

This is one of the most powerful tools for making decisions — you can see exactly how much difference a single change makes over the full plan.

Example scenarios

"What if I retired at 63 instead of 65?"

Set the baseline to your current plan, then move the retirement age slider to 63 in the scenario panel. Probability of success and median wealth usually decrease — two fewer years of contributions plus two extra years of withdrawals.

"What if I cut my spending by £3,000 a year?"

Lower the annual spending input in the scenario panel. Probability of success usually rises, often more than the raw percentage cut in spending suggests, since the effect compounds across the whole plan.

What stays the same

Scenarios here only vary sliders (retirement age, spending, contributions) on a single plan. Accounts, life events, DB pensions and properties stay the same across every scenario. To compare separate saved plans with genuinely different structures, see How to compare different plans.

Frequently asked questions

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