Start with a blank plan, use the guided helpers, refresh once the inputs are ready, then explore the forecast and alternatives.
A new installation contains the reference rules needed by the forecast but no fictional household data. Enter your own plan through the five setup areas below. During private testing, named test plans may also be loaded from Saved Plans.
Setup or edit?
Use Setup to work through a complete area. After setup, tap an individual line when you only need to change that item.
Enter each owner, the plan start and number of years to forecast. Confirm each person's remaining pension tax-free cash and any brought-forward capital losses.
Growth, Portfolio Targets and reference rules live under Your Plan. Funding strategy is selected later in Scenario.
Your Plan list
Set up a Primary Residence, an optional Second Home and any Investment Properties. The helper captures mortgage terms and guides relevant downsizing, rental conversion or sale decisions.
Property list
Add savings, Premium Bonds, ISAs, pensions and GIAs for each owner. Wrapper describes where money is held. Investment Strategy—Stability, Income, Growth or Dry Powder—describes its role.
Allocation target limitation
Portfolio Targets can record an intended mix, but automated rebalancing to that mix is not yet implemented.
Investments list
Confirm State Pension and add employment, Defined Benefit pensions, other income and inheritance. The helper asks which sources exist before guiding you through each item.
Income list
Enter baseline living costs, discretionary spending and holidays. Add future recurring increases or reductions and any dated one-off spending.
Spending list
Input edits save the model but do not continuously rerun every result. Pull down on Plan, Forecast or Scenario when you are ready. Wait for calculation to finish before reviewing or exporting the results.
PlanSee opening and closing capital, the plan horizon, baseline and Maximum Spend, investment-strategy and wrapper charts, and major timeline events.
ForecastReview Summary, Cashflow, Tax and Assets, then open individual accounts and journals to trace the result.
ScenarioCompare growth outcomes, apply a common inflation uplift, switch selected events and test Balanced, Full Depletion, Pension First, ISA First or Custom funding.
Create the Plan PDF, build the on-demand funding-strategy comparison, export the detailed forecast CSV or share a readable inputs summary. The strategy report takes longer because it runs and retains results for every funding strategy before building the PDF.
Plan PDF
Scenario PDFRetireOS is deterministic planning software, not financial advice. Read the Current Limitations & Planning Approximations guide for areas such as investment bonds, survivor modelling and IHT.
