Retireator vs RetireSecure

Retireator is a free, open-source retirement simulator written in Microsoft Excel for short- and medium-term financial planning. Users can build and test drawdown strategies across years using different income sources. It projects income and savings growth, supports withdrawal planning and scenario analysis, and models Social Security benefits and federal and state income taxes. Social Security calculations include spousal and survivor benefits, early-retirement reductions, and delayed-retirement credits. Other modeled factors include wage and consumer price inflation, stocks and bonds, past and future market conditions, employment and passive income, defined benefit pensions, debt, and net worth. Portfolio features cover target date funds and 401(k), 403(b), and IRA accounts. Housing tools include mortgage payment and amortization calculations, reverse mortgages, and scheduled one-time expenses. The listed annuity types include immediate, deferred, fixed, variable, indexed, and joint and survivor options. Tax calculations also cover payroll, self-employment, and long-term capital gains. Retireator is available on the web and Windows; account synchronization is not included.

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].