The short version
Dynamic Planner is the broader practice tool; Timeline is the sharper instrument for drawdown decisions. They overlap less than the pricing suggests, so firms frequently run both.
Why people compare them
Both are used in UK retirement advice, one for withdrawal strategy and one for risk and suitability.
Price and fit, side by side
| Feature | Timeline | Dynamic Planner |
|---|---|---|
| Cheapest paid plan | Timeline£142 per month | Dynamic Planner£60 per month |
| Free tier | TimelineNo | Dynamic PlannerNo |
| Billed in pounds | TimelineNo | Dynamic PlannerNo |
| Best for | TimelineAdvice firms that want cashflow planning, a platform and model portfolios from one supplier at a published price | Dynamic PlannerUK advice firms that want risk profiling, suitability and cashflow in one system |
Where Timeline wins
- Timeline publishes a flat monthly price with unlimited clients, which is unusual among UK adviser software vendors and makes budgeting straightforward
- £1 for the first 30 days is a genuinely low-risk way to evaluate the full product rather than sit through a sales demo
- Stress testing against more than a century of real market data, rather than a single smooth growth assumption
Where Dynamic Planner wins
- Risk profiling is its strongest suit, and it is deeply embedded in UK advice processes
- Covers the regulated workflow end to end: fact find, profiling, suitability and review
- Publishes per-adviser pricing openly, which most adviser software vendors do not
Where both fall short
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job Timeline does for advice firms that want cashflow planning, a platform and model portfolios from one supplier at a published price, so if that is the real problem, Timeline is still the better buy. Free plan is £0, no card.
Timeline vs Dynamic Planner: common questions
Timeline is £142 per month and Dynamic Planner is £60 per month. Compare the billing period before the number: an annual price and a monthly price are not the same thing.
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. Check each one against those three points, because a tool that scores well elsewhere can still be a poor fit in the UK.
Timeline suits advice firms that want cashflow planning, a platform and model portfolios from one supplier at a published price. Dynamic Planner suits uk advice firms that want risk profiling, suitability and cashflow in one system. The one that matches how you already think about money will take less setting up.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job Timeline does for advice firms that want cashflow planning, a platform and model portfolios from one supplier at a published price, so if that is the real need, pick one of these two.