Pricing
Paid by you, and only by you.
No commissions, no product placement, no referral fees. Plenence never earns more because you chose a particular product, so nothing in your plan is there because someone paid for it.
Free
Know where you are.
£0
- Upload up to 10 documents
- Your financial map, net worth and health score
- One retirement projection at default assumptions
- Every public calculator
- 5 Ask Plenence questions a month
- Your top decisions, by title
- A monthly snapshot on your plan timeline
Plenence Pro
Know what to do, and what changed.
0.15% a year of the assets it watches
Minimum £120, maximum £1,500 a year (or £10 to £125 a month). Your home and defined benefit pensions are not counted.
- Continuous monitoring: your plan is re-checked every day, and when a validated UK rule changes, a deadline nears or a figure goes stale, your plan timeline says what it means for you and roughly how much
- Every ranked decision with its facts, rules, £ estimate and history
- Unlimited what-ifs on your retirement plan, with Monte Carlo probability of success and sequence-of-returns risk
- Unlimited documents and fair-use Ask Plenence
- Your plan in your own AI assistant through MCP
£250,000
Annual
£375
or monthly
£31.25
0.15% a year of £250,000 monitored assets, minimum £120, maximum £1,500 a year. Your price is set from your confirmed picture at checkout and re-checked at each renewal.
Why priced on assets?
The work grows with what there is to watch: more pensions to read, more rules that can affect you, more at stake when one changes. A cap keeps it fair at the top, and a floor covers the cost of the monitoring itself.
Plenence gives guidance, not personal recommendations. If you want a recommendation on a specific product or a pension transfer, use an FCA-authorised adviser.
For developers and agents
Plenence API. 60 keyless calls a day; with a key, 500 free calls a month, then £0.02 a call, metered monthly. The rules change feed is included.