The policy area addressing the climate crisis in the UK, ‘Net Zero’, will affect many aspects of people’s everyday life. Given that policy builds from where we are now, which for some (post austerity, and mid cost of living crisis) means in financial crisis, there is work to be done in enabling a socially inclusive Net Zero. In this article, we modify the Bristol Social Exclusion Matrix’s four forms of participation for social inclusion, drawing on the existing literature on the social risks of environmental policy, to articulate the risks of social exclusion in transition to Net Zero. This enables us to develop a ‘person-centred’ approach to understanding the risks of Net Zero, articulating the risks of exclusion, and who is likely to be affected by them. We conclude by outlining a framework for an inclusive transition, and commenting on the policy and research implications of our thinking.