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.
Ratings & Reviews
This app hasn’t received enough ratings or reviews to display an overview.
• What if, redesigned. Change far more of your plan and see the difference straight away, in a sentence, six key figures and a chart.
• Mortgage payoff. Clear your mortgage with tax-free cash from your pension or your partner's, even while you're still working.
• Real history. Drag a slider through every retirement year on record. Every crash, boom and inflation shock is now shaded on the chart.
• The stress test gives answers much sooner.
• Chronology, Detailed. Figures change in place as you move through the years.
• Tax-free pension withdrawals now work before you retire, from minimum pension age.
• Pension access around the April 2028 age rise is now handled correctly.
• New Retirement x widget for iPhone and iPad, with Lock Screen versions.
• Account is now More, a short page of groups. Features are grouped by what they do.
• Clearer names: Pot by pot, Cash flow, Your company and Year-by-year pot values.
• Fixes for swiping back on iOS 26 and the Real history table on iPhone.
Version 6.2.0
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, for example, based on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
