The Finance Base / Retirement planning tools / RetireSecure
retiresecure.co.uk
RetireSecure
RetireSecure is a web-based retirement cash-flow simulator. You enter retirement income goals, portfolio value, savings and timing, then compare backtest scenarios and income strategies. It includes drawdown, annuity and index-linked bond-ladder analysis, UK tax treatment, and individual or joint…
Visit retiresecure.co.uk ↗ What it costs
- 7.6 No. 8on Retirement planning tools
- Free planprice, as published
- Oct 10, 2026read on
What RetireSecure costs
- Free Free
RetireSecure is free to use, with no stated usage limits.
As retiresecure.co.uk publishes them, read Oct 10, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 25
Strengths and limits
Strengths
- Free to use, with no stated limits
- Backtests retirement plans across scenarios
- Models drawdown, annuities and bond ladders
- Supports UK tax treatment and joint plans
Limits
- Designed primarily for UK investors
- Only GBP and USD datasets are stated
What RetireSecure does
RetireSecure models retirement cash flow. You enter a target income, current portfolio, planned savings and retirement date, then examine projected income, savings growth and withdrawals.
Its simulations compare drawdown with secure-income approaches such as annuities and index-linked bond ladders. The site provides Plan Simulator, Decumulation and Bond Ladder modes for exploring these choices.
Fees and plans
The provider says RetireSecure is free to use. A free plan is listed, with no stated usage limits.
Where it runs
RetireSecure runs on the web.
Protection and rules, as published
RetireSecure says it is for educational and informational purposes and does not constitute financial advice. It describes the product as intended for experienced investors.
A contact email listed by the site is [email protected].
Strengths
The simulator supports GBP- and USD-denominated datasets while focusing primarily on UK investors.
It includes UK tax treatment for various account types and supports both individual and joint plans.
Plan Simulator offers choices for withdrawal methods, secure-income strategies and dynamic asset allocation. Decumulation compares outcomes, and Bond Ladder models government index-linked bonds for a secure income floor.
Catches and checks
The product is designed primarily for UK investors, so users elsewhere should check whether its tax treatment and assumptions fit their situation.
Results depend on the inputs, simulation model choices and backtest scenarios selected.
The provider frames the tool as educational information rather than financial advice.
Who should skip it
It may not fit someone seeking a regulated advice service or coverage clearly tailored outside the UK.
Verdict
RetireSecure suits experienced investors who want a free, browser-based way to test retirement cash-flow assumptions, compare drawdown with secure-income strategies, and model UK tax treatment for individual or joint plans.
It is less suitable for people who need personal financial advice or non-UK-focused planning.
Who it suits
Pick it if
- Experienced investors comparing retirement income strategies
- UK-focused individual or joint retirement modelling
Skip it if
- You need personal financial advice or a stated regulatory framework
- Your planning needs fall outside the UK focus and listed datasets
Facts we read
- Advice disclaimerThe site says RetireSecure is for educational and informational purposes and does not constitute financial advice. · retiresecure.co.uk, Oct 9, 2026
- AudienceThe product is designed primarily for UK investors. · retiresecure.co.uk, Oct 9, 2026
- BacktestingThe simulator tests a plan against different historical backtest scenarios. · retiresecure.co.uk, Oct 10, 2026
- Bond LadderBond Ladder builds a ladder of government index-linked bonds to provide a secure income floor. · retiresecure.co.uk, Oct 9, 2026
- Bond Ladder modeBond Ladder helps build a ladder of government index-linked bonds to provide a secure income floor. · retiresecure.co.uk, Oct 10, 2026
- ContactThe site lists [email protected] as its contact email. · retiresecure.co.uk, Oct 10, 2026
- Currencies and audienceThe simulator is designed primarily for UK investors and offers GBP and USD denominated simulation datasets. · retiresecure.co.uk, Oct 10, 2026
- Currency datasetsThe simulator offers GBP- and USD-denominated simulation datasets. · retiresecure.co.uk, Oct 9, 2026
- DecumulationDecumulation compares simulation outcomes across drawdown and secure income strategies. · retiresecure.co.uk, Oct 9, 2026
- Decumulation modeDecumulation compares simulation outcomes across different drawdown and secure income strategies. · retiresecure.co.uk, Oct 10, 2026
- Income strategyIt helps users optimise the mix of drawdown portfolio income and secure retirement income, such as an annuity or index bond ladder. · retiresecure.co.uk, Oct 9, 2026
- Intended useRetireSecure says it is for educational and informational purposes, for experienced investors, and does not constitute financial advice. · retiresecure.co.uk, Oct 10, 2026
- Plan inputsUsers can enter target retirement income, their current portfolio, planned savings and retirement timing. · retiresecure.co.uk, Oct 10, 2026
- Plan SimulatorPlan Simulator offers input and simulation model choices, secure income strategies, dynamic asset allocation and withdrawal methods. · retiresecure.co.uk, Oct 9, 2026
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Questions
How much does RetireSecure cost?
The provider says RetireSecure is free to use.
What can I model in RetireSecure?
You can enter retirement income, portfolio, savings and timing assumptions, then examine income projections, savings growth, withdrawals and backtest scenarios.
Does it compare annuities and drawdown?
Yes. Its tools compare drawdown with secure-income strategies such as annuities and index-linked bond ladders.
Does RetireSecure support UK taxes?
The simulator incorporates UK tax treatment for various account types and supports individual and joint plans.
Which currencies are available?
The simulator offers GBP- and USD-denominated simulation datasets.
Is RetireSecure financial advice?
No. The provider says the service is for educational and informational purposes and does not constitute financial advice.
Is RetireSecure yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.