This page compares Money Horizon with the UK tools people most often try first. It reports what each tool's own site showed on 30 August 2026; tools change, so check the current versions. None of the others is named here to disparage it — Guiide in particular is a good free planner — and Money Horizon's own limits are listed too.
At a glance
| Money Horizon | Guiide | MoneyHelper pension calculator | RetireEasy | FIRElogic | |
|---|---|---|---|---|---|
| Price | Free | Free | Free | From about £3 a month | About £30 a year |
| Sign-up | None | Email to save | None | Account | Account |
| Couples | Yes, with two deaths | "Coming soon" | No | Yes | Yes |
| Year-by-year cash-flow | Yes | Yes | No (converts the pot to an annuity) | Yes | Yes |
| Inheritance tax inside the plan | Yes, at every age, with gifts and taper | Only a protected pot | No | Yes | Yes, with the home-allowance taper |
| Gifting strategy and the seven-year clocks | Yes, with the safe amount to give | No | No | Partial | No |
| Stress tests | Ten named, plus replays of 1973, 2000, 2008 and the worst start since 1871 | Four named | None | Some | Some |
| Monte Carlo | Yes, resampling UK history | No | No | Yes | No |
| Care costs | Yes, with the means-test threshold | Yes (a two-year test) | No | Partial | No |
| Withdrawal order and spending rules | Three orders and four rules compared | Tax-aware order | No | Partial | No |
| Risk profile → asset mix → funds and gilts → fees in pounds | Yes | Partly (a matched strategy) | No | No | No |
| Tracks your own return over time | Yes, from yearly reviews | Dashboard after registering | No | Yes | Partial |
| Works on a phone | Yes, same site | Web only | Yes | Desktop-first | Desktop-first |
| Where your data goes | Stays in your browser | Their servers when you save | Not stored | Their servers | Their servers |
What the others do that Money Horizon does not
- Guiide offers a paid investment strategy matched to the plan's withdrawals, and its seven-step guided entry with a help note on every concept is the clearest onboarding in the UK.
- MoneyHelper is the government-backed service, links straight to Pension Wise appointments, and its calculator needs only four inputs.
- RetireEasy and FIRElogic have been modelling couples for years and have communities of long-standing users; RetireEasy includes more life-event types.
- Money Horizon has no account linking (by design), does not analyse defined-benefit transfers (the FCA reserves that for regulated advice), and its fund and platform figures are hand-checked against public documents rather than fed live.
What to try first
If you have ten minutes and one pension, MoneyHelper. If you want a plan for a household, with inheritance tax and gifts inside it and tested against real UK history — free, without an account — Money Horizon. Start with the example household and change the numbers that are yours.
Questions people ask
Is Money Horizon really free? Yes. There is no paid tier, no account and no advertising. Its one licence condition is that the historical dataset it uses is for non-commercial use, which is why it stays free.
Which tool is most accurate? None of them knows your circumstances; all of them project on assumptions. The differences are in what they model. Money Horizon shows every assumption and its source on the assumptions page, and every rule change is dated.
Can I move my figures from one tool to another? Not automatically. Money Horizon exports and imports its own plan as a file and by share link.