The short version
Timeline is stronger on evidence-based drawdown and sustainability; Voyant covers the whole financial life more broadly. Timeline is deliberately narrow, which is a strength for retirement advice and a limit everywhere else.
Why people compare them
UK advisers compare general lifetime cash flow modelling against Timeline's decumulation and withdrawal focus.
Price and fit, side by side
| Feature | Voyant | Timeline |
|---|---|---|
| Cheapest paid plan | Voyant£175 per month | Timeline£142 per month |
| Free tier | VoyantNo | TimelineNo |
| Billed in pounds | VoyantYes | TimelineNo |
| Best for | VoyantAdvice firms that need deep, defensible cashflow modelling across a client book | TimelineAdvice firms that want cashflow planning, a platform and model portfolios from one supplier at a published price |
Where Voyant wins
- Long established in UK advice firms, so the modelling has been stress tested by professionals for years
- AdviserGo handles genuinely complex cases: multiple pensions, phased drawdown, business owners, cross-border clients
- ClientGo and Vault let a firm bring the client into the plan rather than emailing a PDF
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
Voyant vs Timeline: common questions
Voyant is £175 per month and Timeline is £142 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.
Voyant suits advice firms that need deep, defensible cashflow modelling across a client book. Timeline suits advice firms that want cashflow planning, a platform and model portfolios from one supplier at a published price. The one that matches how you already think about money will take less setting up.