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SPECIFICTION
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RetireSecure

retiresecure.co.uk

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Spec score 7.8 #15 of 26 in Retirement Planning Software

What it is

RetireSecure is a web-based simulator for planning retirement cash flow. Enter a target retirement income, current portfolio, planned savings and retirement timing, then explore how a plan performs across backtest scenarios. It offers three modes: Plan Simulator, Decumulation and Bond Ladder. Plan Simulator lets users choose simulation models, withdrawal methods, secure income strategies and dynamic asset allocation. Decumulation compares outcomes across drawdown and secure income strategies, while Bond Ladder builds a ladder of government index-linked bonds to provide a secure income floor. The simulator is designed primarily for UK investors, offers GBP- and USD-denominated datasets, applies UK tax treatment across various account types, and supports individual and joint plans. RetireSecure says it is free to use and intended for educational and informational purposes, including for experienced investors; it does not constitute financial advice. The listed contact email is [email protected].

Spec sheet

Purpose
RetireSecure is a retirement cash flow planning simulator.Read 10 Oct 2026 · retiresecure.co.uk
Audience
The product is designed primarily for UK investors.Read 9 Oct 2026 · retiresecure.co.uk
Advice disclaimer
The site says RetireSecure is for educational and informational purposes and does not constitute financial advice.Read 9 Oct 2026 · retiresecure.co.uk
Backtesting
The simulator tests a plan against different historical backtest scenarios.Read 10 Oct 2026 · retiresecure.co.uk
Bond Ladder
Bond Ladder builds a ladder of government index-linked bonds to provide a secure income floor.Read 9 Oct 2026 · retiresecure.co.uk
Bond Ladder mode
Bond Ladder helps build a ladder of government index-linked bonds to provide a secure income floor.Read 10 Oct 2026 · retiresecure.co.uk
Contact
The site lists [email protected] as its contact email.Read 10 Oct 2026 · retiresecure.co.uk
Currencies and audience
The simulator is designed primarily for UK investors and offers GBP and USD denominated simulation datasets.Read 10 Oct 2026 · retiresecure.co.uk
Currency datasets
The simulator offers GBP- and USD-denominated simulation datasets.Read 9 Oct 2026 · retiresecure.co.uk
Decumulation
Decumulation compares simulation outcomes across drawdown and secure income strategies.Read 9 Oct 2026 · retiresecure.co.uk
Decumulation mode
Decumulation compares simulation outcomes across different drawdown and secure income strategies.Read 10 Oct 2026 · retiresecure.co.uk
Income strategy
It helps users optimise the mix of drawdown portfolio income and secure retirement income, such as an annuity or index bond ladder.Read 9 Oct 2026 · retiresecure.co.uk
Intended use
RetireSecure says it is for educational and informational purposes, for experienced investors, and does not constitute financial advice.Read 10 Oct 2026 · retiresecure.co.uk
Plan inputs
Users can enter target retirement income, their current portfolio, planned savings and retirement timing.Read 10 Oct 2026 · retiresecure.co.uk
Plan Simulator
Plan Simulator offers input and simulation model choices, secure income strategies, dynamic asset allocation and withdrawal methods.Read 9 Oct 2026 · retiresecure.co.uk
Price
The site says RetireSecure is free to use.Read 9 Oct 2026 · retiresecure.co.uk
Simulator modes
The site offers Plan Simulator, Decumulation and Bond Ladder modes.Read 9 Oct 2026 · retiresecure.co.uk
Strategy analysis
It helps users explore drawdown and secure retirement income strategies, including annuities and index bond ladders.Read 10 Oct 2026 · retiresecure.co.uk
Support contact
The site lists [email protected].Read 9 Oct 2026 · retiresecure.co.uk
Tax and household plans
It incorporates UK tax treatment for various account types and supports individual and joint plans.Read 10 Oct 2026 · retiresecure.co.uk
Tax and plan types
It incorporates UK tax treatment for various account types and supports individual and joint plans.Read 9 Oct 2026 · retiresecure.co.uk
Withdrawal methods
Plan Simulator offers choices of withdrawal methods, secure income strategies and dynamic asset allocation.Read 10 Oct 2026 · retiresecure.co.uk

Plans and prices

Free Free Free to use No limits stated Read 10 Oct 2026 · retiresecure.co.uk

Every RetireSecure plan and price →

Strong points and limits

Strong points

  • Free to use.
  • Compares multiple backtest scenarios.
  • Offers GBP and USD datasets.
  • Supports UK tax treatment and joint plans.

Limits

  • Designed primarily for UK investors.
  • For education and information, not financial advice.

Who it suits

It suits experienced investors, particularly UK investors comparing drawdown with secure income approaches. Individual and joint plans are supported.

Verdict

RetireSecure brings retirement cash flow planning and comparisons of income strategies into one web simulator. Its UK tax treatment and joint-plan support are useful details for investors checking whether it fits their circumstances.

Where Specifiction places it

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