Retiris review

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Retiris is a free, web-based retirement planning service for UK and US savers who want to explore portfolio growth, retirement income and withdrawals using their own assumptions. Its calculators let users set contributions, returns, inflation and planning horizon, then review year-by-year accumulation and drawdown projections. Retiris also offers Social Security and guaranteed-income modeling, along with educational guides. The vendor says its tools are for educational and informational purposes, not personal financial, investment, tax or legal advice.

Scenario analysis is the clearest reason to consider Retiris. Users can edit assumptions and compare outcomes, including real and nominal balances, sequence-of-returns risk and withdrawal rates. Monte Carlo simulations run plans across 1,000 market paths, giving users a way to examine how changing assumptions affects possible results. That scope suits people looking for a simple, no-sign-up starting point for retirement scenarios rather than a broad financial planning suite.

Retiris is free, and the published Free plan highlights no sign-up, instant results, retirement calculators and Monte Carlo simulations. The main trade-off is the model's limited tax coverage: it excludes income tax, capital gains tax and tax-free lump-sum calculations. Account synchronization is also not part of its verified feature set. Savers who want accessible projections and scenario comparisons without paying should consider Retiris; those who need tax-aware planning or linked-account workflows should look for a different tool.

Retiris pros and cons

• Where it wins
  • Projects year-by-year accumulation, drawdown, income and withdrawals
  • Runs plans across 1,000 market paths
  • Models Social Security and guaranteed income
• Where it doesn't
  • Excludes income tax, capital gains tax and tax-free lump-sum calculations
  • No verified account synchronization
  • Limited to web-based retirement planning tools

Retiris fact sheet, pricing and score →

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Last updated 7 Oct 2026 · How we research and update