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RetireSecure
What it is
RetireSecure is a free web based retirement cash flow simulator designed primarily for UK investors. Users enter a target retirement income, current portfolio, planned savings and retirement timing, then examine the plan across different backtest scenarios. The tool helps explore how portfolio withdrawals might work alongside secure income such as an annuity or an index bond ladder. Plan Simulator offers choices for simulation models, secure income strategies, dynamic asset allocation and withdrawal methods. Decumulation compares outcomes for different drawdown and secure income approaches. Bond Ladder helps build a ladder of government index-linked bonds intended to provide a secure income floor. RetireSecure offers GBP and USD simulation datasets, incorporates UK tax treatment for various account types, and supports individual and joint plans. Its listed Free plan is free, and the site says it is free to use. RetireSecure describes the simulator as educational and informational, including for experienced investors, and says it does not provide financial advice. The listed contact email is [email protected].
For and against
For
- Free to use
- Offers three simulator modes
- Supports individual and joint plans
- Includes GBP and USD datasets
- Incorporates UK tax treatment for account types
Against
- Designed primarily for UK investors
- Uses UK tax treatment
- The site says it is not financial advice
The verdict
RetireSecure provides several ways to explore retirement cash flow, drawdown and secure income strategies. Its UK focus and educational purpose are central considerations when deciding whether it fits your planning needs.
Who it suits
RetireSecure is designed primarily for UK investors comparing retirement income and withdrawal plans. It may suit experienced investors exploring individual or joint scenarios with GBP or USD datasets.
Plans and prices
Free
No limits stated
Read 10 Oct 2026 · retiresecure.co.uk
On the record
- Advice disclaimer
- The site says RetireSecure is for educational and informational purposes and does not constitute financial advice.retiresecure.co.uk · read 9 Oct 2026
- Audience
- The product is designed primarily for UK investors.retiresecure.co.uk · read 9 Oct 2026
- Backtesting
- The simulator tests a plan against different historical backtest scenarios.retiresecure.co.uk · read 10 Oct 2026
- Bond Ladder
- Bond Ladder builds a ladder of government index-linked bonds to provide a secure income floor.retiresecure.co.uk · read 9 Oct 2026
- Bond Ladder mode
- Bond Ladder helps build a ladder of government index-linked bonds to provide a secure income floor.retiresecure.co.uk · read 10 Oct 2026
- Contact
- The site lists [email protected] as its contact email.retiresecure.co.uk · read 10 Oct 2026
- Currencies and audience
- The simulator is designed primarily for UK investors and offers GBP and USD denominated simulation datasets.retiresecure.co.uk · read 10 Oct 2026
- Currency datasets
- The simulator offers GBP- and USD-denominated simulation datasets.retiresecure.co.uk · read 9 Oct 2026
- Decumulation
- Decumulation compares simulation outcomes across drawdown and secure income strategies.retiresecure.co.uk · read 9 Oct 2026
- Decumulation mode
- Decumulation compares simulation outcomes across different drawdown and secure income strategies.retiresecure.co.uk · read 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.retiresecure.co.uk · read 9 Oct 2026
- Intended use
- RetireSecure says it is for educational and informational purposes, for experienced investors, and does not constitute financial advice.retiresecure.co.uk · read 10 Oct 2026
- Plan inputs
- Users can enter target retirement income, their current portfolio, planned savings and retirement timing.retiresecure.co.uk · read 10 Oct 2026
- Plan Simulator
- Plan Simulator offers input and simulation model choices, secure income strategies, dynamic asset allocation and withdrawal methods.retiresecure.co.uk · read 9 Oct 2026
- Price
- The site says RetireSecure is free to use.retiresecure.co.uk · read 9 Oct 2026
- Purpose
- RetireSecure is a retirement cash flow planning simulator.retiresecure.co.uk · read 10 Oct 2026
- Simulator modes
- The site offers Plan Simulator, Decumulation and Bond Ladder modes.retiresecure.co.uk · read 9 Oct 2026
- Strategy analysis
- It helps users explore drawdown and secure retirement income strategies, including annuities and index bond ladders.retiresecure.co.uk · read 10 Oct 2026
