# Isaac - Retirement Planning — UK Pension & Drawdown Tracker > Retirement planning tool for UK pensions, savings, and drawdown. (iPhone/iPad app by Budgetwise.) - Source: https://appshunter.io/ios/app/isaac-retirement-planning/id6759624582 (this page in markdown: same URL + `.md`) - Developer: [Budgetwise](https://appshunter.io/developer/1833787684) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 56 MB - Languages: American English - Released: 2026-03-11 - Data updated: 2026-08-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/isaac-retirement-planning/id6759624582/reviews.md ## What is Isaac? Will your money last in retirement? Isaac helps you find out. Most pension tools give you a single number and hope for the best. Isaac models your complete retirement picture — DC pensions, DB pensions, State Pension, ISAs, savings, property, and your partner's finances — so you can see what's actually going on. HOW IT WORKS Plug in your pensions, savings, and spending. Isaac does the maths — monthly compounding, inflation, tax, the lot — and shows you year by year how your money holds up from retirement to age 100. Base case, optimistic, and pessimistic scenarios side by side. TAX-EFFICIENT DRAWDOWN This is where Isaac really earns its keep. It works out the smartest order to withdraw your money — filling your personal allowance with pension withdrawals first, then drawing from ISAs tax-free, then taking taxable withdrawals only when needed. You can see exactly how much tax you save each year compared to just pulling everything from your pension. WHAT YOU CAN MODEL - Multiple DC pensions with different growth rates - DB (final salary) pensions with inflation linking - State Pension based on your NI qualifying years - ISAs, cash savings, and other investments — tracked separately - Partner planning with independent pensions and tax - Contribution changes at any age - Spending phases — different levels through retirement - Property sales, downsizing, and equity release - One-off costs at any age (new car, home repairs, care fund) - Extra income (rental, part-time work, side income) - Annuity purchase, flexi-access drawdown, or a blend of both - Discretionary spending reduction in later life SCENARIO PLANNING What if I retire at 58 instead of 62? What if I increase contributions by £200 a month? What if I downsize at 70? Create multiple scenarios and compare them side by side. Free users get one basic scenario. Premium unlocks unlimited scenarios and all features. BUILT FOR UK PENSIONS Isaac uses UK tax bands (England, Wales, and Scotland), the lump sum allowance cap, current State Pension rates, and inflation-adjusted thresholds. It's designed for people with UK workplace pensions. YOUR DATA IS PRIVATE Your financial data is encrypted and stored securely. Isaac doesn't sell your data, show you ads, or try to sell you financial products. It's a planning tool, not a sales funnel. FREE TO START Sign up and build your first scenario for free. Upgrade to Isaac Premium for unlimited scenarios, partner planning, tax-efficient drawdown modelling, and all advanced features. 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. ## Key features - Comprehensive retirement modeling - Tax-efficient drawdown strategies - Scenario planning - UK pension and tax calculations - Partner financial planning - Year-by-year projections ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Isaac Premium | $9.99 | per month | | Isaac Premium | $99.99 | per year | ## Recent user reviews (10 of 15) All indexed reviews: https://appshunter.io/ios/app/isaac-retirement-planning/id6759624582/reviews.md ### 5/5 — Brilliantly Simple *2026-08-12* 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! ### 1/5 — Does basically nothing unless you pay. *2026-08-06* Useless unless you pay **Developer response:** We're really sorry you feel like that. The app provides very complex modelling, year by year breakdowns, and tax optimised income breakdowns to free users. We're always looking to review our pricing model, so will absolutely take your comments into account. ### 5/5 — A great tool *2026-07-13* 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! ### 1/5 — Can’t even get past the first screen saying how complex financial planning is! *2026-06-26* Currently the app is non-functional at least to a new user. **Developer response:** 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. ### 5/5 — So useful *2026-06-26* Isaac has really helped me get to grips with planning my retirement. Such a good app. So well designed and packed with features. ### 5/5 — Retirement Clarity *2026-06-01* This is the only retirement planning app that is both super easy to use and comprehensive. Great interface and some very interesting outputs. ### 5/5 — Downgrade to free *2026-05-17* Hi how to I downgrade to the free version. The subscription screen does not stay open? ### 5/5 — What an incredibly useful app this is! *2026-05-04* Genuinely not seen anything remotely as good as this previously. So useful to prepare various scenarios for retirement. And everything takes minutes. Really love this and will be recommending to all of my friends. Absolutely game-changing! ⭐️⭐️⭐️⭐️⭐️ ### 5/5 — Very Informative *2026-04-22* Isaac is a refreshingly intuitive take on what most people view as either very complex or even scary. Personal finance and financial planning are fundamental to an stress-free and stable retirement. Isaac is a fantastic tool and very easy to use. Bravo. ### 5/5 — Greatest Retirement App By Far *2026-04-22* 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. ## Frequently asked questions about Isaac ### 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. ## Version history (last 5 releases) ### 5.9.50 — 2026-08-14 We continuously upgrade Isaac with my features, improved performance, and system updates. ### 5.9.30 — 2026-08-03 Performance improvements, new chronology page (in beta), addition of net/gross option for income breakdown page. ### 5.9.16 — 2026-08-01 Updated UX, small feature improvements, minor bug fixes. ### 5.9.1 — 2026-07-14 Minor improvements relating the Armed Forces Pension mode ### 5.8.9 — 2026-07-04 Minor performance improvements. Minor bug fixes. ## Apps similar to Isaac | App | Rating | Price | Category | | --- | --- | --- | --- | | [FFCalc - Retirement Calculator](https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772) | 4.5 (396) | Free | Finance | | [WealthView: Pension Planner UK](https://appshunter.io/ios/app/wealthview-pension-planner-uk/id6761937882) | — | Free | Finance | | [FireTracker: FIRE Calculator](https://appshunter.io/ios/app/firetracker-fire-calculator/id6760125537) | — | Free | Finance | | [UK FIRE Calculator](https://appshunter.io/ios/app/uk-fire-calculator/id6761665546) | — | Free | Finance | | [NestPlan Retirement Planner](https://appshunter.io/ios/app/nestplan-retirement-planner/id6757770121) | 5.0 (4) | Free | Finance | | [Projections:Retirement Planner](https://appshunter.io/ios/app/projectionsretirement-planner/id6447589672) | 2.0 (1) | Free | Finance | ## Related topics [riskradar](https://appshunter.io/ios/topics/riskradar) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*