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Isaac - Retirement Planning

Isaac - Retirement Planning

UK Pension & Drawdown Tracker

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

Details

Released
March 11, 2026
Updated
October 27, 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

6.5.3

October 27, 2026

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.

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Subscriptions & In-App Purchases

Isaac Premium

Unlimited scenarios and all features.

$9.991 Month
How to cancel Isaac subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Excellent for planning

Great app and website. Super responsive developer too
LLeeDavis1969

Response from developer

Thanks for the review Lee. I'm glad you're finding Isaac valuable!

Retirement planner

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.
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Llemonrich

Response from developer

Thanks for the review! We're working on the ability to change the drawdown order - hopefully it should be ready in the next release.

Home made retirement planning

With this tool you can model, adjust,experiment and play about with your numbers and data, at your leisure, in your own time, at your own pace, with no pressure.
I have and do totally recommend it.
PPhilthegreek(soon)

Excellent!

The app allows you to add all of your pensions, current contributions and assets to provide you with an illustration of your fluidity through retirement.
CClaptonChris

Brilliantly Simple

A brilliant way to model your potential future retirement income stream from multiple sources e.g. pensions, savings, investments, property etc. Also gives insight into tax and IHT implications. It’ll even tell you when you can retire!
DDIH993
See 14 more reviews

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.