Top 5 Voyant Alternatives UK 2026
Voyant is the software your adviser would use, and a full financial plan from an adviser typically costs £1,000 or more. These five tools get you the answer that plan produces, without the adviser.
A Practitioner Perspective
Voyant is genuinely good software. It is also built for advisers, priced for advisers, and assumes an adviser is driving it. I tested the tools that give you its output (a lifetime cashflow and a verdict on your plan) without needing one.
One note before we start: if you are an adviser looking for planning software, this list is for consumers. Timeline and CashCalc are your comparisons.
Summary: Top 5 Voyant Alternatives in the UK
| Tool | Best For | Pricing | Free Tier | UK-Specific | Rating |
|---|---|---|---|---|---|
| Delphina | People who want the adviser's answer without the adviser's software | Free tier / From £9.99/mo | ✓ | ✓ | ★★★★★ |
| Truth About Money | Free consumer cashflow modelling | Free | ✓ | ✓ | ★★★★★ |
| ProjectionLab | DIY financial planning with Monte Carlo simulations | From $9/mo | ✓ | ✗ | ★★★★★ |
| Open Money | UK-focused cashflow planning for individuals | From £6/mo | ✗ | ✓ | ★★★★★ |
| Boldin (formerly NewRetirement) | Detailed retirement income planning | Free tier / Plus from $108/yr | ✓ | ✗ | ★★★★★ |
The output of adviser software, without the adviser
Voyant builds a lifetime cashflow chart for your adviser to explain to you. Delphina builds your lifetime cashflow and gives you the verdict directly.
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
Try Delphina free →Know where you are. Change where you are going.
Delphina does the job you were going to hire Voyant for: it takes your complete position (accounts, pensions, ISAs, property) and projects it forward over 10 to 30 years. Where Voyant hands your adviser a model to interpret, Delphina gives you the verdict itself: whether your plan works, and which changes would make the most difference. Built for UK adults doing their own planning, not for the adviser sitting across the desk.
See where you actually stand, free
Track your net worth, assets and a five-year forecast built on your real position, not a guess. Free plan, no card.
See where I standTruth 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.
ProjectionLab
Visit ProjectionLab→Build Financial Plans You Love
ProjectionLab is a powerful DIY financial and retirement planning tool. It enables users to build living financial models with features like Monte Carlo simulations, 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.
Open Money
Visit Open Money→Plan, project, and prepare
Open Money is a UK-built cashflow planning tool aimed at individuals who want to understand their financial future without going through a financial adviser. It projects forward over 10–30 years and accounts for UK-specific tax wrappers including ISAs, pensions and the state pension.
Boldin (formerly NewRetirement)
Visit Boldin (formerly NewRetirement)→The most powerful retirement planner
Boldin (formerly NewRetirement) is a US-built retirement planner with a strong DIY ethos and detailed income and expense modelling. UK support exists but requires manual entry of UK tax wrappers. Strong for users who want comprehensive scenario modelling and don't mind the manual data entry.
The Real Difference: Who the Tool Expects to Drive It
Let's be straight about one thing: Voyant is a forward-looking planning tool. So are most serious alternatives to it. The difference is not what the software models. It is who the software expects to be sitting at the keyboard.
Voyant assumes a trained adviser is driving. It takes hours to set up properly, and its output is designed to be interpreted by a professional and explained to you in a meeting you are paying for.
Delphina assumes you are driving. Same forward projection (where your wealth is headed over 10, 20, 30 years) but the interpretation is built in. You get the verdict, not a chart that needs a translator.
If you were considering Voyant because you want an adviser-grade answer about your own future, that is exactly the job Delphina was built for.
Who Delphina Is Not For
Delphina is not adviser software. If you are an IFA or paraplanner producing plans for clients, you need Voyant, Timeline or CashCalc. Delphina is built for the person the plan is about, not the person writing it.
Delphina is not a daily transaction tracker, and it is not FCA-regulated financial advice. It gives you tools and projections, not a personal recommendation.
If you are planning your own future and want the answer an adviser's cashflow model would give you (will my wealth last, am I saving enough, what should change) that is precisely what Delphina is for.
Conclusion
The right Voyant alternative depends on what you need. For free consumer cashflow modelling from the company behind professional planning software, Truth About Money is a solid start. For DIY modelling with Monte Carlo simulations, ProjectionLab is powerful. For UK-built cashflow planning, Open Money does the job. For detailed retirement income modelling, Boldin (formerly NewRetirement) is comprehensive, though US-centric.
If what you actually want is the answer (whether you are on track for the life you want, and what specific changes would have the biggest impact) Delphina is built for exactly that.
An adviser would put your numbers into Voyant and charge you for the interpretation. Delphina gives you the interpretation.
"I'd been using spreadsheets for years to plan my retirement. Tried Voyant for an hour and gave up. Too complex for someone who isn't an adviser. Delphina gave me the same answer in 2 minutes."
Trusted by
12,000+ UK households
planning their financial future with Delphina
Is your retirement number enough?
A 5-minute scorecard that compares your projected pension against what you'll actually need — UK-specific.
The Adviser Question, Answered Without the Adviser Fee
You don't need Voyant. You need the answer Voyant produces. See yours in minutes, not meetings.