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Retiris Analysis

Original retirement analysis

Questions we could not find a straight answer to, run through our own model. Each piece states its assumptions, shows the range of outcomes rather than a single number, and can be reproduced in the calculator.

UK & USFebruary 2026

What five years of early retirement actually costs

We ran the same plan retiring at 55, 60 and 65 through 1,000 simulated markets. The gap in success rates is larger than the gap in pot size suggests.

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UK & USFebruary 2026

Is 4% still a safe withdrawal rate? A stress test

3%, 3.5%, 4% and 5% withdrawal rates run over 30- and 40-year horizons at three levels of volatility — and what changes the answer most.

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How this work is produced: the model, editorial methodology, and who writes it.
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  • Retire at 55 with £500k
  • How long will $1m last?
  • Crash in year one
  • Retiring at 55 vs 60 vs 65
  • What £5,000 more spending does
  • Retiris Analysis
  • How our model works
  • How much do I need?
  • The 4% Rule
  • The Retirement Trap
🇺🇸 US Guides
  • Retire at 55 (US)
  • 401(k) vs IRA
  • 401(k) Match Strategies
  • Social Security Claiming
  • Retiring in Florida
  • Trump Accounts 2026
🌏 International
  • 🇬🇧 Retire at 55 (UK)
  • 🇬🇧 Pension vs ISA
  • 🇦🇺 Retiring in Australia
  • 🇨🇦 Retiring in Canada
  • Policy Changes 2026
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