Scenario planning

Try a decision before you make it

Change a contribution, a retirement date or your spending and see how the plan responds, side by side with your current plan. A scenario never changes it.

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app.yieldclarity.com

Illustrative demo plan. Scenario results are estimates from the expected-path forecast.

What you can change

The decisions you control, combined in one scenario

Each scenario can hold several changes at once, so you can test the decision as you'd really make it, not one lever at a time.

Monthly contributions
Retirement date
Retirement spending
Expected return
Withdrawal rate
Inflation
One-off investment

Current plan and scenario

Differences, stated plainly

Dates and values sit side by side with the difference spelled out (earlier or later, higher or lower), so you can weigh the trade-off yourself.

How the forecast works

app.yieldclarity.com

Current plan and scenario

	Current plan	Scenario	Difference
Financial independence	Jun 2035	Apr 2035	2 months earlier
FI target	£1,050,000	£1,050,000	Same
Monthly contribution	£2,800	£3,300	£500 higher
Expected return	6.2%	5.5%	Lower
Total contributions to FI	£294,000	£339,900	£45,900 higher

Financial independence: Jun 2035 → Apr 20352 months earlier
FI target: £1,050,000 → £1,050,000Same
Monthly contribution: £2,800 → £3,300£500 higher
Expected return: 6.2% → 5.5%Lower
Total contributions to FI: £294,000 → £339,900£45,900 higher

Nothing changes by accident

Compare, save, duplicate. Your plan stays as it is.

01
Compare
Calculating a scenario changes nothing. It sits beside your current plan, which stays exactly as it is.
02
Save
Keep scenarios to revisit later, and update them as your thinking changes.
03
Duplicate
Copy a scenario to try a variation without losing the original.
04
Decide
When you settle on a change, update your plan's own settings. Scenarios never alter the plan themselves.

Scenarios and simulation answer different questions

Monte Carlo simulation

Scenarios: what if I…?

Decisions you control (saving, spending, timing), compared against your plan.

Simulation: what could markets do?

Thousands of possible market paths, outside your control, run on your current plan.

Questions

Scenario planning, answered

Does creating a scenario change my plan?

No. A scenario is a comparison and never changes your plan. If you decide to act on one, you update your plan's own settings. Scenarios never touch your holdings, cash or property records.

Can one scenario include several changes?

Yes. Combine changes such as a higher contribution, a different expected return and a one-off investment, and compare them together against your current plan.

Do scenarios show a probability of success?

Not yet. Scenario comparisons use the expected-path forecast, so they show estimated dates and values rather than probabilities. Monte Carlo simulation runs on your current plan.

Monte Carlo simulation

Which plans include scenarios?

Saving and comparing scenarios is part of Plus and Pro.

Compare plans

Test your next decision

Build your plan, then try a scenario beside it. Your plan stays exactly as it is.