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Isaac - Retirement Planning

Isaac - Retirement Planning

UK Pension & Drawdown Tracker

0 ratings
14 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • March 11, 2026
  • August 3, 2026

Features

Developer

Budgetwise
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About

Model your entire retirement picture, including pensions, savings, and partner finances. It calculates year-by-year projections with inflation, tax, and various scenarios to help you plan your financial future.

✓Comprehensive retirement modeling
✓Tax-efficient drawdown strategies
✓Scenario planning
✓UK pension and tax calculations
✓Partner financial planning
✓Year-by-year projections
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What's New in Isaac

5.9.30

August 3, 2026

Performance improvements, new chronology page (in beta), addition of net/gross option for income breakdown page.

Subscription plans

Isaac Premium

Unlimited scenarios and all features.

$9.991 Month
How to cancel Isaac subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Does basically nothing unless you pay.

Useless unless you pay
silvercue_mamasilvercue_mama

A great tool

I do a lot of research on where and how to invest for my pension age but have always struggled to find a reliable calculator to give a clear picture of my roadmap. Thank you, Isaac, for providing this!
PhilMLufbraPhilMLufbra

Can’t even get past the first screen saying how complex financial planning is!

Currently the app is non-functional at least to a new user.
WaveyD100WaveyD100

Response from developer

Really sorry you've had issues logging on. Please get in touch at support@isaacmoney.com and we'll get you up and running! In the meantime, our team are investigating why you might have had this issue.

So useful

Isaac has really helped me get to grips with planning my retirement. Such a good app. So well designed and packed with features.
Lee ThatcherLee Thatcher

Retirement Clarity

This is the only retirement planning app that is both super easy to use and comprehensive. Great interface and some very interesting outputs.
Fletcher188Fletcher188
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FAQ

What is Isaac?

Isaac is a retirement planning tool designed for UK pensions and drawdown. It helps you model your entire retirement picture, including pensions, savings, and partner finances, to project your financial future year by year.

How does Isaac handle taxes?

Isaac incorporates UK tax bands (England, Wales, and Scotland) into its calculations. It also models tax-efficient drawdown strategies, showing how to best withdraw money from pensions and ISAs to minimize tax liabilities.

Can I model different retirement scenarios with Isaac?

Yes, Isaac allows you to create and compare multiple scenarios side by side. You can explore different retirement ages, contribution changes, or property sale timings to see their impact on your finances.

Is Isaac suitable for people with different types of pensions?

Isaac supports modeling multiple DC pensions with different growth rates, DB (final salary) pensions with inflation linking, and the State Pension based on NI qualifying years.

What are the costs associated with Isaac?

Isaac offers a free tier to build one basic scenario. For unlimited scenarios, partner planning, and advanced features like tax-efficient drawdown modeling, an upgrade to Isaac Premium is available via subscription.

How secure is my financial data with Isaac?

Your financial data is encrypted and stored securely within Isaac. The app states it does not sell your data, show ads, or attempt to sell you financial products, focusing solely on being a planning tool.

What devices does Isaac support?

Isaac is available on iPhone, iPad, and iPod. It is designed for users with UK workplace pensions and is built with UK-specific financial regulations in mind.

How often is Isaac updated?

The latest version of Isaac is 5.8.5, last updated on June 23, 2026. This indicates a relatively frequent update cycle, ensuring the tool remains current with financial regulations and features.