RetireSecure
RetireSecure is a free web-based simulator for planning retirement cash flow, designed primarily for UK investors.
What RetireSecure is
RetireSecure is a free web-based simulator for planning retirement cash flow, designed primarily for UK investors. Users enter a target retirement income, current portfolio, planned savings, and retirement timing, then examine plans across backtest scenarios. It helps explore how portfolio withdrawals might be combined with secure retirement income such as an annuity or index bond ladder. Plan Simulator provides choices for simulation models, secure income strategies, dynamic asset allocation, and withdrawal methods. Decumulation compares outcomes across drawdown and secure income strategies, while Bond Ladder helps build a ladder of government index-linked bonds intended to provide a secure income floor. The simulator offers GBP- and USD-denominated datasets, incorporates UK tax treatment for various account types, and supports individual and joint plans. RetireSecure describes its purpose as educational and informational, including for experienced investors, and says it is not financial advice. The listed contact email is [email protected].
Good
- Free to use
- Includes Plan Simulator, Decumulation, and Bond Ladder modes
- Supports individual and joint plans
- Offers GBP- and USD-denominated datasets
- Incorporates UK tax treatment for account types
Watch out
- Designed primarily for UK investors
- For education and information, not financial advice
Who it suits
RetireSecure is aimed primarily at UK investors exploring retirement income and savings scenarios. Its individual and joint plans and GBP- and USD-denominated datasets may suit people comparing different household and currency setups.
Verdict
RetireSecure brings retirement income, savings, tax, and withdrawal scenarios into a web-based simulator. It is intended for planning exploration, not as a source of financial advice.
Plans and prices
From RetireSecure's own pricing page, checked 10 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | No limits stated · Free to use |
The facts
Each one read from RetireSecure's own pages, with the date it was checked.
What it does
- Advice disclaimer
- The site says RetireSecure is for educational and informational purposes and does not constitute financial advice.checked 9 Oct 2026
- Audience
- The product is designed primarily for UK investors.checked 9 Oct 2026
- Backtesting
- The simulator tests a plan against different historical backtest scenarios.checked 10 Oct 2026
- Bond Ladder
- Bond Ladder builds a ladder of government index-linked bonds to provide a secure income floor.checked 9 Oct 2026
- Bond Ladder mode
- Bond Ladder helps build a ladder of government index-linked bonds to provide a secure income floor.checked 10 Oct 2026
- Contact
- The site lists [email protected] as its contact email.checked 10 Oct 2026
- Currencies and audience
- The simulator is designed primarily for UK investors and offers GBP and USD denominated simulation datasets.checked 10 Oct 2026
- Currency datasets
- The simulator offers GBP- and USD-denominated simulation datasets.checked 9 Oct 2026
- Decumulation
- Decumulation compares simulation outcomes across drawdown and secure income strategies.checked 9 Oct 2026
- Decumulation mode
- Decumulation compares simulation outcomes across different drawdown and secure income strategies.checked 10 Oct 2026
- Income strategy
- It helps users optimise the mix of drawdown portfolio income and secure retirement income, such as an annuity or index bond ladder.checked 9 Oct 2026
- Intended use
- RetireSecure says it is for educational and informational purposes, for experienced investors, and does not constitute financial advice.checked 10 Oct 2026
- Purpose
- RetireSecure is a retirement cash flow planning simulator.checked 10 Oct 2026
- Simulator modes
- The site offers Plan Simulator, Decumulation and Bond Ladder modes.checked 9 Oct 2026
- Strategy analysis
- It helps users explore drawdown and secure retirement income strategies, including annuities and index bond ladders.checked 10 Oct 2026
- Support contact
- The site lists [email protected].checked 9 Oct 2026
- Withdrawal methods
- Plan Simulator offers choices of withdrawal methods, secure income strategies and dynamic asset allocation.checked 10 Oct 2026
Money
- Plan inputs
- Users can enter target retirement income, their current portfolio, planned savings and retirement timing.checked 10 Oct 2026
- Plan Simulator
- Plan Simulator offers input and simulation model choices, secure income strategies, dynamic asset allocation and withdrawal methods.checked 9 Oct 2026
- Price
- The site says RetireSecure is free to use.checked 9 Oct 2026
- Tax and household plans
- It incorporates UK tax treatment for various account types and supports individual and joint plans.checked 10 Oct 2026
- Tax and plan types
- It incorporates UK tax treatment for various account types and supports individual and joint plans.checked 9 Oct 2026
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