ODOpt — Plan your UK retirement with real numbers

What-if analysis

Can your portfolio handle a crash? What if you retire two years earlier?

Save any scenario as your baseline. Change contributions, retirement age, spending or withdrawal strategy — run again and see exactly how outcomes shift, side by side, on identical random paths.

Every what-if, answered with data

The seed locks between runs so differences come purely from your input changes — not random variation. A true, fair comparison every time.

What if I increase contributions by £500/mo?

Can my plan survive a 2008-style crash?

What does retiring at 58 vs 60 actually cost me?

What if I switch to a cash buffer drawdown strategy?

How does a £200k house purchase affect my odds?

What-if comparison

Baseline

83.6%

success prob.

Current run

91.2%

success prob.

P50 final balance

£1.40m

P50 final balance

£1.87m +£470k

Changed parameters

Retire age58 ↑

Monthly contributions£7,500 ↑

Glidepath7 yrs ↓

Planning features

Built for how retirement actually works

Not a simplified model — a full planning engine that handles the real complexity of retirement finances.

7 withdrawal strategies

Rate-based, fixed nominal, fixed real, percentage of current portfolio, floor + upside, cash buffer band and expense match. Choose the strategy that fits your life — or use phased switching between them.

Tax-optimised drawdown

Pension, ISA and GIA drawdown sequenced to minimise tax across your full retirement. Income tax, CGT, personal allowance and Bed & ISA transfers all modelled correctly.

Multiple retirement vehicles

Pension, Cash ISA, Stocks & Shares ISA and General Investment Account — each with its own asset allocation, glidepath and tax treatment.

32 asset classes

Global equities, bonds, property, alternatives, cash and more — each with calibrated return, volatility and correlation parameters. Build a realistic multi-asset portfolio.

Detailed expense planning

Essential and discretionary spending modelled separately. Inflation-linked or fixed amounts, monthly or one-off. Include irregular costs — a new car, care fees, a lump-sum gift.

Crisis stress testing

Drop historical crashes into your simulation. Layer up to two crises and see what back-to-back market shocks do to your plan before they happen in real life.

Stress testing

What does a market crash do to your plan?

Model historical crises with realistic run-up, crash and recovery phases. Each of the 5,000 simulated paths experiences the shock differently — so you see the true distribution of outcomes, not just the average.

Six historical events, ready to drop in

Configure severity, timing and duration. Layer two crises together — a dot-com crash followed by a 2008-style financial crisis — and stress-test your plan against the worst sequences history has produced.

Black Thursday 1929 — Great Depression

1970s Stagflation — decade of stagnation

Black Monday 1987 — single-day 22% drop

Dot-com 2000 — tech crash, 3-year bear market

2008 Financial Crisis — global recession

Covid 2020 — sharp crash, rapid recovery

Crisis scenarios

Slot 1 — 2008 Financial CrisisSeverity 100%

Run-up

+28% / 24mo

Crash

−55% / 17mo

Recovery

+110% / 48mo

Timeline — starts retirement year 3

Slot 2 — Dot-com 2000Severity 80%

Run-up

+60% / 48mo

Crash

−40% / 30mo

Recovery

+68% / 56mo

Timeline — starts retirement year 12

Success without crises

91.2%

Success with both crises

74.8%

Reporting

Every number you need to make a decision

A full report across your plan — so you understand not just the outcome, but why.

Portfolio fan chart

P10–P90 paths over the full horizon. See the range, not just the median.

Success probability

% of paths funding your full horizon, tracked month by month.

Tax breakdown

Income tax, CGT and interest tax — per year and lifetime total at P50.

Vehicle balances

Pension, ISA and GIA tracked separately. See how each depletes.

Cash buffer report

Monthly cash reserve across percentiles. Know whether your buffer holds.

Drawdown waterfall

Withdrawals by vehicle per year — the sequencing in action.

Safe withdrawal rate

The maximum rate at which ruin probability stays within your tolerance.

Final balance distribution

P10–P90 end balances as grouped bars. The full spread of outcomes.

Ask ODO

Your AI planning assistant — it knows your actual numbers

Ask ODO reads your live plan results and answers in plain English. Not generic financial chat — specific analysis of your scenario, your portfolio, your risks.

Insight without interpretation effort

Running 5,000 simulated futures produces a lot of data. Ask ODO turns that into clear answers — whether your plan is on track, what the key risks are, and what would move the needle most.

Success rate

88.3%

P50 balance

£2.1m

Safe withdrawal rate

4.83%

Ask it to explain any of these numbers, identify your biggest risks, or tell you what changing your retirement age would do — all grounded in your plan's actual outputs.

How does my plan look?

Your plan looks fairly strong overall. An 88.3% success probability with a cash buffer band strategy is a solid result — the dynamic withdrawal approach is smoothing volatility well from your fully equity-heavy portfolio.

The positives

Median final balance over £2 million — significant wealth preservation alongside spending.

Safe withdrawal rate of 4.83% is above your 4% setting — you have genuine headroom.

Zero shortfall severity on the median path — 100% withdrawal coverage throughout.

Flagship tool

Retirement planner

Monte Carlo simulation, tax-optimised drawdown, multi-asset portfolios and crisis stress testing.

Retirement Planner

Plan your retirement with Monte Carlo simulations, tax-optimised drawdown and multi-asset portfolios.

UK Tax Changes

Track key upcoming UK tax changes across PAYE, NIC, CT, Dividends, CGT, IHT and more.

Director & self-employed

Salary, dividend and pension optimisation

Understand your tax position and optimise your pay structure. Essential for proper financial planning.

Simulator

Choose working days and model income assumptions for other tools.

Optimiser

Optimise salary, dividends and pension to maximise take-home and retained profit.

Explorer

Compare two scenarios and understand the net-worth impact.

Free tax tools

PAYE and payslip calculators

Proper financial planning starts with knowing your tax position. Free with any account.

Payslip Simulator

Estimate take-home pay from payslip inputs, tax code and deductions.

Basic Annual Tax

Estimate annual PAYE and National Insurance from your taxable income.

Basic Annual Tax Explorer

Compare two annual tax scenarios and see the net-pay difference.

Plan your retirement with
real numbers, not guesswork

Can your portfolio handle a crash? What if you retire two years earlier?

Every what-if, answered with data

Built for how retirement actually works

What does a market crash do to your plan?

Six historical events, ready to drop in

Every number you need to make a decision

Your AI planning assistant — it knows your actual numbers

Insight without interpretation effort

Your retirement plan deserves better than a spreadsheet

Plan your retirement withreal numbers, not guesswork

Can your portfolio handle a crash? What if you retire two years earlier?

Every what-if, answered with data

Built for how retirement actually works

What does a market crash do to your plan?

Six historical events, ready to drop in

Every number you need to make a decision

Your AI planning assistant — it knows your actual numbers

Insight without interpretation effort

Your retirement plan deserves better than a spreadsheet

Plan your retirement with
real numbers, not guesswork