Current Limitations & Planning Approximations
What RetireOS models today, where it deliberately simplifies, and where a reasonable net assumption remains the best approach.
Now supported
RetireOS includes GIAs with tax basis, capital and income return treatment, dividend and savings income, CGT allowances and rates, GIA withdrawals, ISA switching, rental income, deductible mortgage interest, and property capital-gain events.
Investment Bonds
Detailed chargeable-event taxation, top-slicing relief and the 5% tax-deferred withdrawal allowance are not currently modelled. Use a clearly named investment account with a reasonable expected net outcome, and add a separate income stream where regular withdrawals are central to the plan.
Single Survivor & Death Benefits
The current model plans for two people throughout the selected horizon. It does not yet automatically transition the household after one death.
- DB survivor percentages and guarantee periods are not automatic.
- State Pension changes after death require an explicit planning approximation.
- Pension death-benefit and beneficiary tax treatment are not modelled.
- Care and spending changes for one survivor should be entered as explicit future assumptions.
Inheritance Tax
RetireOS does not currently calculate an estate, exemptions, residence nil-rate band, gifts, trusts or IHT due. Closing assets are planning values rather than a probate or IHT calculation.
Advanced CGT Planning
The forecast calculates gains on supported capital disposals and applies owner allowances and rates. It does not attempt detailed bed-and-breakfasting, spouse transfers, loss-matching optimisation across arbitrary transactions or every special-relief rule.
Complex Property Structures
Primary Residence, Second Home and Investment Property lifecycles are supported. Partnership structures, companies, trusts, multiple linked borrowing facilities and complex leveraged portfolios remain outside the current scope.
Asset Allocation
Portfolio Targets can record a cash reserve, an intended investment-strategy mix and closing capital. Automated rebalancing to the target mix and ongoing cash-target maintenance are not yet implemented.
Probability & Market Paths
Low, Base and High Scenario results are deterministic. Monte Carlo simulation and probability of success remain uncommitted future exploration.
A practical rule
When a situation is not directly supported, model the value, income, timing and expected net outcome you reasonably expect. Avoid false precision and document the assumption.
Need help?
Email hello@retireos.co.uk. Please do not send sensitive personal financial information by email.