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Property & mortgages
Primary residence, Second Home and Investment Property, including mortgages, rental conversion, income, sales and downsizing.
Restricted private beta
Can I retire?
RetireOS helps financially literate DIY investors build, test and understand their own UK retirement plan—without waiting for a new report every time an assumption changes.
✓ Plan first✓ Transparent calculations✓ Local-first data
A complete planning model
Bring the moving parts together.
Model the household, investments, property, income and spending through calm guided setup flows.
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Investments & UK tax
Pensions, ISAs, GIAs, Premium Bonds and savings, with Income Tax, CGT, dividends and owner allowances.
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Funding strategies
Compare Balanced, Full Depletion, Pension First, ISA First and Custom approaches.
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Auditable forecast
Inspect year-by-year cashflow, tax, assets and the journals that produced each result.
Understand the answer
See how the forecast was built.
RetireOS uses an account-level double-entry forecast ledger. Reporting categories keep the outputs consistent while transaction detail explains income, spending, tax, funding, transfers, property and growth.
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Year-by-year audit
Move through the plan and inspect every material movement.
Move through the plan and inspect every material movement.
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Tax and funding visibility
Understand how owners, wrappers, allowances and strategies interact.
Understand how owners, wrappers, allowances and strategies interact.
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Exports for challenge
Create Plan, funding-comparison and detailed CSV outputs.
Create Plan, funding-comparison and detailed CSV outputs.
Scenario planning
Compare decisions, not just one future.
Compare Low, Base and High growth outcomes with a common inflation uplift. Switch selected property and life events, test funding strategies, review Maximum Spend and save named versions of the complete plan.
Scenario is deterministic and transparent. Probability modelling remains future exploration.
Product roadmap
Built in stages, guided by real-world use.
The foundations of RetireOS are in place and private testing is now focused on stability, usability and validation. The roadmap shows what has been completed, what is happening now and the areas being considered after Public Beta.
Last updatedJuly 2026
Future exploration is intentionally uncommitted. Priorities and timing will be shaped by evidence from testing rather than fixed prematurely.
A living roadmap. This roadmap will be reviewed and updated as RetireOS evolves.
Private beta · now to August 2026
Release polish and real-world validation.
Current functionality will remain with a restricted tester group while performance, stability, usability, documentation and the website are refined. Public Beta is planned for the end of August 2026.