Top 5 Voyant Alternatives UK 2026
Stop wondering if you are on track. Get financial clarity on where you stand and know what to do next.
A Practitioner Perspective
Voyant is a well-known financial planning tool. But there are alternatives that better serve UK users. I tested them all and here is my honest verdict on which ones actually help you plan your financial future.
Summary: Top 5 Voyant Alternatives in the UK
| Tool | Best For | Rating |
|---|---|---|
| Delphina | UK financial clarity and prospective planning | ★★★★★ |
| Truth About Money | Free consumer cashflow modelling | ★★★★★ |
| Moneyfarm | Robo-advice with planning tools | ★★★★★ |
| FE CashCalc | Professional cashflow modelling with calculators | ★★★★★ |
| ProjectionLab | DIY financial planning with Monte Carlo simulations | ★★★★★ |
| Timeline | Integrated financial planning and portfolio management | ★★★★★ |
What Makes a Good Voyant Alternative
If you were using Voyant for financial planning, you will want an alternative that offers at least the same capabilities, if not better. Here is what to look for.
- Long-term wealth projection: The tool should show you where your wealth is headed over 10, 20, or 30 years, modelling different scenarios and retirement ages
- Complete financial picture: It should connect to all your accounts, pensions, investments, ISAs, and property in one unified view
- UK-specific features: Consideration of UK state pension, ISA allowances, pension contribution limits, and tax-efficient planning
- Scenario modelling: The ability to test different decisions, such as increasing pension contributions, changing retirement age, or different investment returns
- Clear retirement readiness assessment: A direct answer to whether you are on track for the retirement you want
- Actionable next steps: Not just projections, but specific changes you can make to improve your financial trajectory
The 5 Best Voyant Alternatives in the UK
Delphina
Visit Delphina→Know where you are. Change where you are going.
Delphina focuses on what most financial planning tools ignore: not where your money has been, but where it is going. It projects your wealth forward over 10 to 30 years, showing whether your current trajectory will support the retirement and life you want. Built specifically for UK users, it connects all your accounts, pensions, investments, and property to give you a complete picture of your financial future and the specific changes that would make the most difference.
Truth About Money
Visit Truth About Money→How much is enough?
Truth About Money is a free consumer cashflow modelling tool from Prestwood, the same company behind the professional Truth software used by financial planners. It helps individuals visualise their financial future by asking questions about earnings, spending, savings, assets, and debts. The tool shows the effects of financial decisions or inaction over time, using government statistical rates to model scenarios. It is aimed at everyone regardless of wealth status or life stage.
Moneyfarm
Visit Moneyfarm→Invest with confidence
Moneyfarm is a UK-based robo-advisor that manages investments with low-cost portfolio options. They offer a pension calculator and planning tools alongside their managed ISA, pension, and general investment accounts. Their B Corp certification reflects a commitment to social and environmental standards. The platform provides guidance rather than full financial advice, suitable for those comfortable making their own investment decisions while wanting professional portfolio management.
FE CashCalc
Visit FE CashCalc→Simple. Powerful. Engaging.
FE CashCalc is a cashflow modelling and financial planning tool designed to turn complex client data into clear, engaging lifetime financial plans. It combines a digital fact-find, interactive cashflow projections, and scenario comparisons. The tool delivers powerful gross and net cashflow modelling without overwhelming clients with jargon, with visual timeline and side-by-side scenario comparisons that make it easy to show "what if" outcomes. Pricing is £75/month + VAT per adviser licence.
ProjectionLab
Visit ProjectionLab→Build Financial Plans You Love
ProjectionLab is a powerful DIY financial and retirement planning tool for the United Kingdom. It enables users to build living financial models with features like Monte Carlo simulations to gauge chance of success, cash flow visualization with Sankey diagrams, detailed tax analytics and estimates, and net worth tracking over time. The platform supports UK-specific account types like ISAs, workplace pensions, and SIPPs, with free retirement planning capabilities and no requirement to link to actual accounts.
Timeline
Visit Timeline→Work Smarter, Serve Better, Grow Faster
Timeline is a fully-integrated ecosystem for financial planning that combines advanced planning software, evidence-based model portfolios, and platform technology. It features stress-testing and comparison of financial plans, investment analytics and portfolio comparison, modular reporting, and evidence-based cashflow modelling. The platform includes integrated IHT planning, client portals with secure messaging, and real-time transfer tracking. While primarily designed for financial advisers, it offers comprehensive tools for retirement income planning and portfolio management.
The Key Differentiator: Prospective vs Retrospective Planning
Most financial planning tools, including many Voyant alternatives, are retrospective. They show you what you have saved, what your pension is worth now, and how much you have contributed. This is useful information, but it does not answer the question that matters most.
The question that actually matters is: will my wealth last?
Retrospective tools tell you where you have been. They track contributions, show current pot values, and compare against national averages. But they do not tell you whether your current trajectory will deliver the retirement you want.
Delphina is prospective. It takes your complete financial position, your expected income paths, and shows you where you are headed over the next 10, 20, and 30 years. It answers whether you are on track for retirement, whether your savings rate is sufficient, and what changes would have the biggest impact on your future financial security.
Who Delphina Is Not For
Delphina is not a daily transaction tracker. If you need to see every transaction in your current account, manage your weekly cash flow, or track daily spending by category, you will find other tools more suited to that purpose.
Delphina is not an FCA-regulated financial advice service. It provides tools and projections to help you understand your financial position, but it does not provide personalised financial advice that considers your specific circumstances.
If you want to know whether your wealth will last through retirement, whether you are saving enough, and what your financial future actually looks like across all your accounts and assets, that is what Delphina is for.
Conclusion
The right Voyant alternative depends on what you need. If you want free cashflow modelling, robo-advice with planning tools, professional cashflow modelling with calculators, DIY financial planning with advanced simulations, or integrated planning and portfolio management, Truth About Money, Moneyfarm, FE CashCalc, ProjectionLab, and Timeline are all solid choices with strong capabilities.
If you want to understand whether you are on track for the life you want, whether your current trajectory will deliver the retirement you are hoping for, and what specific changes would have the biggest impact on your future, Delphina is the tool built specifically for this purpose.
Most financial planning tools tell you where you have been. Delphina shows you where you are going and gives you the clarity to change direction.
Know Where You Are. Change Where You Are Going.
Stop wondering if you are on track. Get the clarity that comes from seeing your financial future clearly.