Pensions come into inheritance tax from April 2027. See what it means for your family, and check your money lasts, year by year, all the way to age 100.
Will your money last in retirement? Isaac shows you the age it runs out, and what to change.
Most pension tools give you one number and hope for the best. Isaac models your whole retirement. Workplace and personal pensions, final salary pensions, State Pension, ISAs, savings, property and your partner's finances. All in one plan.
HOW IT WORKS
Add your pensions, savings and spending. Isaac does the maths. Monthly compounding, inflation, tax, the lot. Then it shows you, year by year, how your money holds up from retirement to age 100. Base, optimistic and pessimistic cases side by side.
TAX-EFFICIENT DRAWDOWN
This is where Isaac earns its keep. It works out the smartest order to draw your money. Pension withdrawals fill your personal allowance first. Then tax-free ISA money. Taxable withdrawals only when you need them. You see exactly how much tax you save each year.
WHAT YOU CAN MODEL
• Multiple DC pensions with different growth rates
• Final salary (DB) pensions with inflation linking
• State Pension based on your NI qualifying years
• ISAs, cash savings and other investments, tracked separately
• Your partner's pensions and tax
• Contribution changes at any age
• Spending that changes through retirement
• Property sales, downsizing and equity release
• One-off costs, like a new car, home repairs or a care fund
• Extra income from rent, part-time work or a side business
• Annuity, flexi-access drawdown, or a blend of both
• Inheritance tax and what your estate passes on
• Lower spending in later life
WHAT IF?
Retire at 58 instead of 62? Pay in £200 more a month? Downsize at 70? Build scenarios and compare them side by side. Free users get one basic scenario. Premium unlocks unlimited scenarios and every feature.
BUILT FOR UK PENSIONS
UK tax bands for England, Wales and Scotland. The lump sum allowance. Current State Pension rates. Thresholds that rise with inflation. Made for people with UK workplace pensions.
YOUR DATA STAYS PRIVATE
Your data is encrypted and stored securely. Isaac doesn't sell your data, show you ads or push financial products. It's a planning tool, not a sales funnel.
FREE TO START
Sign up and build your first scenario for free. Isaac Premium unlocks unlimited scenarios, partner planning, tax-efficient drawdown modelling and every advanced feature.
Premium subscription:
• Payment is charged to your Apple ID account at confirmation
• Subscription automatically renews unless cancelled at least 24 hours before the end of the current period
• Manage in Settings > Apple ID > Subscriptions
Terms of Use: https://www.isaacmoney.com/terms
Privacy Policy: https://www.isaacmoney.com/privacy
Isaac provides projections for planning purposes only. It does not provide financial advice. Projections are based on assumptions that may not reflect actual outcomes. If you need advice, speak to a qualified financial adviser.
Within 5 minutes I had a clear picture of where I'll actually be at retirement. First time I've ever seen it all in one place.Best bit is adjusting contributions and retirement age and seeing what difference it makes. Bumping things up a couple of percent now has a surprisingly big impact by 60.No fluff, no trying to sell you a financial adviser. Just a straightforward tool that shows you your numbers. Really well done.
Greatest Retirement App By Far
Mookie92!
This app is an outstanding tool for planning your financial future. It makes long-term retirement planning clear and accessible, regardless of your age or experience. There’s truly nothing else out there that offers this level of insight and ease of use.
Retirement planner
lemonrich
I found it very useful, but a little bit limiting. Support and help from the developers was excellent, especially as I did not subscribe to the full version. I don’t like the way it forces you to use up savings in the first years of retirement before drawing down from a dc pension pot starts. So more flexibility with savings etc would be appreciated.
Developer Response
Thanks for the review! We're working on the ability to change the drawdown order - hopefully it should be ready in the next release.
Friendly, easy and enlightening
Supershrimp50
This app is so easy to use, helpful but most importantly it guides you so easily with what you need to do and what you can expect from your pension planning. I can’t wait to enjoy the benefits when my retirement comes!
This update makes Isaac smoother and more reliable.
• Smoother performance across your plan and charts
• Calculation and display fixes
• General polish and stability improvements
Enjoying Isaac? A quick review on the App Store really helps.
Version 6.5.3
The developer, Budgetwise, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
