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RetireSecure
What RetireSecure is
RetireSecure is a free web-based retirement cash flow simulator designed primarily for UK investors. You enter a target retirement income, current portfolio, planned savings, and retirement timing, then examine plans across backtest scenarios. The simulator helps explore combinations of portfolio drawdown and secure retirement income, including annuities and index bond ladders.
Plan Simulator offers choices for simulation models, secure income strategies, dynamic asset allocation, and withdrawal methods. Decumulation compares outcomes across drawdown and secure income strategies. Bond Ladder helps build a ladder of government index-linked bonds to provide a secure income floor. RetireSecure offers GBP- and USD-denominated simulation datasets, incorporates UK tax treatment for various account types, and supports individual and joint plans. It describes the tool as educational and informational, including for experienced investors, and says it does not provide financial advice. The listed contact email is [email protected].
Who it suits
RetireSecure is aimed primarily at UK investors exploring retirement income and withdrawal strategies. It supports individual and joint plans and provides both GBP- and USD-denominated simulation datasets.
What it does well
- Free to use.
- Compares drawdown and secure income strategies.
- Offers Plan Simulator, Decumulation, and Bond Ladder modes.
- Supports individual and joint plans.
- Includes GBP- and USD-denominated datasets.
What to know first
- Designed primarily for UK investors.
- Includes UK tax treatment, which may not suit other tax systems.
- The site says it is not financial advice.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Free to use · No limits stated | Free |
As retiresecure.co.uk lists them, read 10 Oct 2026. The maker's own page has the final word.
Getting started
- Open the RetireSecure website.
- Use the free web-based simulator.
- Enter a target retirement income, current portfolio, planned savings and retirement timing.
- Choose Plan Simulator, Decumulation or Bond Ladder to explore a planning approach.
Verdict
RetireSecure brings retirement cash flow scenarios, withdrawal planning, and secure income strategies into a free simulator. Its UK focus and educational purpose are important context when interpreting results.
Questions
How much does RetireSecure cost?
The site says RetireSecure is free to use. Its Free plan is listed as free.
What platforms does it support?
RetireSecure is available on the web.
What can I model with it?
It supports income and savings growth projections, withdrawal planning and scenario analysis. Its modes cover plan simulation, decumulation comparisons and government index-linked bond ladders.
Does RetireSecure support joint plans?
Yes. It supports individual and joint plans and incorporates UK tax treatment for various account types.
Does it provide financial advice?
No. RetireSecure describes its use as educational and informational and says it does not constitute financial advice.
How can I contact RetireSecure?
The site lists [email protected].
Facts from RetireSecure's own pages
- Advice disclaimer
- The site says RetireSecure is for educational and informational purposes and does not constitute financial advice. · retiresecure.co.uk, 9 Oct 2026
- Audience
- The product is designed primarily for UK investors. · retiresecure.co.uk, 9 Oct 2026
- Backtesting
- The simulator tests a plan against different historical backtest scenarios. · retiresecure.co.uk, 10 Oct 2026
- Bond Ladder
- Bond Ladder builds a ladder of government index-linked bonds to provide a secure income floor. · retiresecure.co.uk, 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, 10 Oct 2026
- Contact
- The site lists [email protected] as its contact email. · retiresecure.co.uk, 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, 10 Oct 2026
- Currency datasets
- The simulator offers GBP- and USD-denominated simulation datasets. · retiresecure.co.uk, 9 Oct 2026
- Decumulation
- Decumulation compares simulation outcomes across drawdown and secure income strategies. · retiresecure.co.uk, 9 Oct 2026
- Decumulation mode
- Decumulation compares simulation outcomes across different drawdown and secure income strategies. · retiresecure.co.uk, 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, 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, 10 Oct 2026
- Plan inputs
- Users can enter target retirement income, their current portfolio, planned savings and retirement timing. · retiresecure.co.uk, 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, 9 Oct 2026
- Price
- The site says RetireSecure is free to use. · retiresecure.co.uk, 9 Oct 2026
- Purpose
- RetireSecure is a retirement cash flow planning simulator. · retiresecure.co.uk, 10 Oct 2026
- Simulator modes
- The site offers Plan Simulator, Decumulation and Bond Ladder modes. · retiresecure.co.uk, 9 Oct 2026
- Strategy analysis
- It helps users explore drawdown and secure retirement income strategies, including annuities and index bond ladders. · retiresecure.co.uk, 10 Oct 2026
- Support contact
- The site lists [email protected]. · retiresecure.co.uk, 9 Oct 2026
- Tax and household plans
- It incorporates UK tax treatment for various account types and supports individual and joint plans. · retiresecure.co.uk, 10 Oct 2026
- Tax and plan types
- It incorporates UK tax treatment for various account types and supports individual and joint plans. · retiresecure.co.uk, 9 Oct 2026
- Withdrawal methods
- Plan Simulator offers choices of withdrawal methods, secure income strategies and dynamic asset allocation. · retiresecure.co.uk, 10 Oct 2026
Where RetireSecure stands on Freedom251
- Retirement Planning Software#15 of 26