If your husband has only recently retired he might just be taking some time out and relaxing, in which case he may get bored after a year and look around for something to do. But it is unacceptable that he does not help in the house. Is he much older than you?
Is it possible for you to have a trial separation - maybe a year? You and he need to face up to the realities of your respective financial positions if you split up. Can you
move into your own bedroom, make another room -if you have one - into a second lounge, split the furniture, get your own tv, buy and cook just for yourself, and do only your own washing and ironing, and split all the household bills doen the middle. In other words, you are leaving him as a wife but staying in the house that belongs to you both (unless you are renting?).
At the prospect of this, or after a few months of it, your husband might suggest that you take it in turns to cook etc (or he might go downhill and eat takeaways, leaving the debris piling up in the kitchen!) You could try it and see. Love takes many forms, and it is cheaper for two to live together than apart, you might split and be alone for the rest of your life, and sometimes the devil you know is the better option. However, if after one final effort as above, things don’t change and you find that you just can’t stand him anymore, I think you need not feel guilty at walking away from him.
Ironically, the chances are that he will end up with a new partner and become a new man!