With the aim of taking into account all optical aberrations, a personalized pseudophakic optical model was designed for refractive evaluation using ray tracing software. Starting with a generic model, all clinically measurable data were replaced by personalized measurements. Data from corneal anterior and posterior surfaces were imported from a grid of elevation data obtained by topography, and a formula for the calculation of the intraocular lens (IOL) position was developed based on the lens equator. For the assessment of refractive error, a merit function minimized by the approximation of the Modulation Transfer Function values to diffraction limit values on the frequencies corresponding up to the discrimination limits of the human eye, weighted depending on the human contrast sensitivity function, was built. The model was tested on the refractive evaluation of 50 pseudophakic eyes. The developed model shows good correlation with subjective evaluation of a pseudophakic population, having the added advantage of being independent of corrective factors, allowing it to be immediately adaptable to new technological developments. In conclusion, this personalized model, which uses individual biometric values, allows for a precise refractive assessment and is a valuable tool for an accurate IOL power calculation, including in conditions to which population averages and the commonly used regression correction factors do not apply, thus achieving the goal of being both personalized and universally applicable.