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Retirement planning · United Kingdom
retireuk.costusworx.co.za
The same engine, under UK rules
The United Kingdom edition of the CostusWorx retirement decision engine — identical simulation core, localised end to end. HMRC bands and the personal allowance are grossed up inside the cashflow loop, the State Pension is captured straight from a gov.uk forecast, and funds are classified by IA sector and SEDOL.
HMRC bands in-loopPersonal allowance taperState Pension captureIA sector · SEDOLSterling reportingOne codebase, two regimes
1,000simulated pathssame core as the SA engine
HMRCtax grossed upinside the loop
gov.ukState Pension importparsed from the PDF forecast
IAsector classificationwith SEDOL matching
The problem
What Retire UK is for
A UK adviser needs the same defensible drawdown analysis, but under a different tax regime, a different fund taxonomy and a different state benefit. Retire UK proves the point of building the engine properly the first time: the maths did not change, only the context did.
Capabilities
What it does
Localised tax modelling
- HMRC income tax bands applied inside the simulation loop
- Personal allowance, including taper at higher incomes
- Bands held as data per tax year — a Budget is a data change, not a deploy
- Standalone estimator returning net monthly income
State Pension capture
- Upload the gov.uk State Pension forecast PDF
- Key figures parsed automatically from the document
- Pre-fills a State Pension asset in the scenario
- Bridged forward correctly where retirement is deferred
Simulation engine
- Historical bootstrap with cross-asset correlation preserved
- Offshore equity as a real segment (MSCI World in GBP)
- Monthly cashflow — withdrawals before returns
- Dual failure definition: sustained income shortfall or capital depletion
- 1,000 paths, fixed
UK fund intelligence
- Funds classified by IA sector rather than ASISA category
- SEDOL and ISIN matching on search and import
- Trailing 1 / 3 / 5 year returns, risk band and OCF
- Verified versus illustrative flagging carried through to the report
Outputs & honest labelling
- Success rate to a whole percentage
- Portfolio value bands P10 – P90 per year
- Delivered income bands against the requested-income line
- Percentile language only — no “best case”, no guarantees
Client reporting
- Dated sterling report with assumptions printed alongside results
- Income-by-year table and trailing performance per holding
- Shareable report link with access control
- Plain-language verdict banding
Practice administration
- Multi-tenant with adviser, paraplanner and practice-admin roles
- Scenario library per client
- Fund and market-data ingestion with dry-run and run history
- Read-only demo practice for evaluation
Shared engineering with the SA edition
- One simulation core, two regulatory contexts
- Features ported deliberately in both directions
- Same reproducibility guarantees and versioned reports
- Same hosting profile — ordinary shared hosting, no dedicated infrastructure
In practice
How a plan is built
01CaptureClient, consent and the scenario assumptions
02ImportDrop in the gov.uk State Pension forecast
03LinkAttach funds by SEDOL or IA sector
04Simulate1,000 paths with HMRC tax grossed up monthly
05ReportDated sterling report, shareable and reproducible
Under the hood
- PHP 8.5, MariaDB, ordinary shared hosting
- Shared simulation core with the South African edition
- Native XLSX ingestion, no library dependency
- PDF parsing for the gov.uk forecast import
- Versioned engine — every report records what produced it
Security & compliance
- Consent capture before a client record can exist
- Client identifiers encrypted at rest
- Tenant isolation enforced inside the query
- Audit logging on report generation and document download
- Read-only demo practice that declines writes with an explanation
Who it is for
- UK independent financial advisers and planning practices
- Paraplanners producing drawdown and sustainability analysis
- Compliance functions signing off decumulation advice
- Cross-border practices running both SA and UK books
On the roadmap
Port of the latest SA simulation-report features
Wider IA sector coverage in the classifier
Extended adviser report pack
See it running, not in a slide
Live demo — six sterling client plans, real engine output