RetireSecure - retirement cash flow planning simulatorYou need to enable JavaScript to run this app.RetireSecure is a free retirement cash flow planning simulator, designed primarily for UK investors. It backtests a retirement plan through UK, US and global market returns, and shows how it holds up.

Build a cash flow plan: target income, pension, ISA and general investment accounts, contributions, single or couple plans.

Backtest through history: returns and inflation back to 1870, Monte Carlo sampling or the current bond forward curve.

Optimise drawdown versus secure income: drawdown methods, lifetime annuities and index-linked bond ladders.

Income and tax: the state pension (or US Social Security in a USD plan), defined benefit pensions, rental income, and UK income tax on each account type.

Mitigate inheritance tax: UK inheritance tax with gifts, trusts, reliefs and life insurance written in trust.

It is a modelling tool, not financial advice. See llms.txt and the methodology page for details.