Sovereign Glidepath

A retirement drawdown planner built on Guyton-Klinger guardrails and real UK historical market and inflation data — not a generic projection.

Try the web demo Download for Windows

Currently running build 1.0.133

Guardrail-driven

Withdrawals adjust dynamically against real portfolio performance, following the Guyton-Klinger method rather than a fixed percentage set once at retirement.

Tested against real history

Every scenario runs on actual UK CPI inflation and MSCI World returns going back to 1970 — including the eras that broke simpler plans.

Built for one plan

No accounts, no generic advice. Sovereign Glidepath is built around a single, specific retirement plan and its bridge to State Pension.

See it in action

A look at the ledger, the historical stress-testing, and accumulation-phase planning. Click any image to enlarge.

Sovereign Glidepath lifetime ledger, showing quarterly withdrawal history and guardrail status — The lifetime ledger

Sovereign Glidepath chart of total capital versus all-time high baseline over time — Total capital vs all-time high

Sovereign Glidepath actionable brokerage desk directives with Guyton-Klinger guardrail guidance — Actionable withdrawal directives

Sovereign Glidepath historical stress-test fan chart showing percentile outcome ranges — Real historical stress-testing

Sovereign Glidepath accumulation-phase projection chart — Accumulation-phase planning

Sovereign Glidepath ledger exported to a styled Excel spreadsheet — Full ledger export to Excel

Have feedback or a feature request?

Sovereign Glidepath is under active development — suggestions and bug reports are welcome.

Send feedback Read the manual