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Solo vs Duo mode

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Summary

  • Solo models a single person's finances in one simulation.
  • Duo models you and your partner as one shared household — both partners' accounts and guaranteed income are pooled into a single simulation against your combined spending.
  • Plan confidence reflects the household as a whole, funded from that shared pot, not each person individually.

Solo vs Duo, explained

During setup you choose "Solo" or "Duo". Solo models a single person's finances. Duo models you and your partner as one shared household: both partners' accounts and guaranteed income (state pension, DB pensions, employment, rental, etc.) are pooled into a single simulation and tested against your combined spending, with shared inflation and market conditions throughout. The plan confidence score reflects the household as a whole — funded from that shared pot — rather than each person individually.

Frequently asked questions

Can I switch between Solo and Duo later?
You can create a new plan in the other mode at any time — see How to compare different plans if you want to compare a solo plan against a joint one.
Does Duo model us as one combined pot, or separately?
As one combined pot. Both partners' accounts and guaranteed income are pooled into a single simulation and tested against your combined spending, rather than simulated as two separate people and combined afterward.

More in Getting Started

Creating your first planWhat information do I need?Understanding the free vs paid plans
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