# Vistro — street-smart finance planning > UK retirement planning app projecting pensions, ISAs, property, and State Pension. (iPhone/iPad app by Daniel Balshaw.) - Source: https://appshunter.io/ios/app/vistro/id6765903893 (this page in markdown: same URL + `.md`) - Developer: [Daniel Balshaw](https://appshunter.io/developer/1883653075) - Category: Finance, Utilities - Price: Free - Age rating: 4+ - Requires: iOS 26.0 · 18 MB - Languages: American English - Released: 2026-06-11 - Data updated: 2026-09-21 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/vistro/id6765903893/reviews.md ## What is Vistro? Vistro is a UK finance app that turns your real numbers into a clear picture of when — and how — you could retire. Most apps stop at "save more, retire someday." Vistro help project your pensions, ISAs, property, mortgage, and State Pension year by year, so you can see exactly when the maths works for you. PRIVATE BY DESIGN • All your data stays on your device or iCloud. Vistro has no servers and can't see your numbers. • No accounts. No tracking. No ads. • Face ID or Touch ID lock available. PLAN YOUR RETIREMENT • Build multiple retirement plans and compare them side by side. See the trade-offs between retiring earlier with less monthly income, versus working longer for more. • Plan by date ("I want to retire at 55") or by lifestyle (Minimum, Moderate, Comfortable, Gold Standard) — Vistro tells you when each target is reachable. • Model early retirement properly with bridge ISAs: select savings accounts to fund the gap between retirement and your pension access age. • Choose your drawdown style — level for steady income, or front-loaded for higher income early on. • See your runway: a year-by-year chart of pension, bridge, and boost balances from retirement to age 90, with a Pot Empty marker if the maths runs short. YOUR MONEY, YOUR PICTURE • Track savings, pensions, properties, mortgages, assets, and liabilities — all in one place. • Net worth projections out to your drawdown horizon. • Property equity tracked with partner ownership splits and mortgage amortisation, including overpayment modelling. • Per-account growth rates: set what you assume for each savings account, pension pot, and property. No hidden defaults. UK-SPECIFIC • State Pension integrated by age and entitlement. • Normal Minimum Pension Age handled correctly — the app knows your access age based on your date of birth. • Tax-free lump sum (25%) modelled with the LSA cap. • Auto-enrolment, salary sacrifice, and additional pension contributions all supported. Vistro is a planning tool, not financial advice. The projections are honest estimates based on the numbers you enter; they don't predict the future. Always consult a regulated financial adviser before making major retirement decisions. ## Key features - Project pensions, ISAs, property, and State Pension - Build and compare multiple retirement plans - Model early retirement with bridge ISAs - Choose drawdown styles (level or front-loaded) - Track savings, assets, and liabilities - UK-specific pension rules and tax-free lump sums ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/vistro/id6765903893/reviews.md ### 5/5 — Excellent *2026-06-20* I usually don’t rely on app recommendations, but sometimes something pops up that you wish you had considered earlier. Last week, I had a spreadsheet with all my pensions, showing their current value and a simple calculation of how much they had grown. It also estimated how much they could be worth when I retired, based on the daily growth rate. Then, I discovered Vistro, and my spreadsheet suddenly felt outdated. I really appreciate that it’s on my phone, not in the cloud, so all my data is secure and under my control! Plus, it offers real insights into how compound growth affects my pension, something my spreadsheet couldn’t do (or I couldn’t do with my formula skills). Retirement is such a complicated thought (well for me anyway) this has really helped me… ### 5/5 — Five Star *2026-06-12* ⭐⭐⭐⭐⭐ This retirement planning app has completely changed the way I think about my financial future. The interface is intuitive and easy to navigate, making it simple to track my savings, investments, and retirement goals all in one place. I especially love the forecasting tools, which give me a clear picture of where I stand and what I need to do to stay on track. The personalized insights and recommendations are genuinely useful and help me make more informed decisions with confidence. Whether you’re just starting to plan for retirement or already well on your way, this app provides the guidance and clarity you need. Highly recommended for anyone looking to take control of their retirement planning. A fantastic app that delivers real value! ### 5/5 — Easy, clear and actually useful for UK retirement planning *2026-06-11* Really impressed with Vistro. It makes it easy to see my net worth and actually understand where I stand for retirement. Everything is clear and not over complicated, which is exactly what I wanted. Feels like it is built properly for the UK too. Great app. ## Frequently asked questions about Vistro ### What is Vistro? Vistro is a UK-based planning app designed to help users visualize their retirement. It projects pensions, ISAs, property, and State Pension year by year, allowing users to see when their financial goals are achievable. ### How does Vistro handle user data? Vistro is private by design, with all user data staying on the device. The app has no servers, does not track users, and does not require accounts or display ads. It also offers Face ID or Touch ID lock for added security. ### Can I model different retirement scenarios with Vistro? Yes, Vistro allows you to build multiple retirement plans and compare them side by side. You can plan by a specific retirement date or by lifestyle goals (Minimum, Moderate, Comfortable, Gold Standard). ### Does Vistro support early retirement planning? Vistro can model early retirement, including the use of bridge ISAs to fund the gap between retirement and pension access age. You can also choose your drawdown style, such as level for steady income or front-loaded for higher early income. ### Is Vistro specific to the UK? Yes, Vistro is UK-specific. It integrates State Pension details, handles Normal Minimum Pension Age correctly based on your date of birth, and models the 25% tax-free lump sum with the LSA cap. ### What types of financial accounts can I track in Vistro? You can track savings, pensions, properties, mortgages, assets, and liabilities all in one place within Vistro. It also allows you to set per-account growth rates for each savings account, pension pot, and property. ### What is the price of Vistro? Vistro is a paid application. Specific pricing details can be found on the app store where it is available for download. ### How often is Vistro updated? Vistro was last updated on June 19, 2026, with version 1.1. This indicates a recent update, suggesting ongoing development and support for the application. ## Version history (last 4 releases) ### 2.0 — 2026-08-10 Everything now syncs across your devices, there's a proper iPad and Mac app, a home for your Goals, and Home Screen widgets to keep them in view. • Everything in Sync — your finances now sync automatically and privately across iPhone, iPad and Mac, tied to your Apple ID. • Made for iPad — rebuilt for the bigger screen with a sidebar layout and full multitasking, so Vistro runs side by side with your other apps. • Goals — set a target and watch your progress climb: pay off the mortgage, grow your pension, or save for something big. Tap any goal to see the detail. • Home Screen Widgets — add a goal to your Home Screen and track its progress at a glance. Tap to jump straight to it. • Deeper Insights — a redesigned Insights tab with growth streaks, milestones and year-by-year stats that make your progress click. • Siri & Quick Actions — "Hey Siri, what's my net worth?" Plus Home Screen shortcuts to add an account in a single tap. ### 1.1 — 2026-06-19 - Simplified visuals across the entire app, understand your information quicker - Bug fixes and speed improvements - New app icon ### 1.0.1 — 2026-06-14 AI Summary can now be enabled in Settings (all processed on-device using Apple Intelligence) Various bug fixes and performance enhancements. ### 1.0 — 2026-06-11 No release notes. ## Apps similar to Vistro | App | Rating | Price | Category | | --- | --- | --- | --- | | [Plans.TheApp Financial Planner](https://appshunter.io/ios/app/planstheapp-financial-planner/id6642683005) | 5.0 (1) | Free | Finance | | [Isaac - Retirement Planning](https://appshunter.io/ios/app/isaac-retirement-planning/id6759624582) | — | Free | Finance | | [Receipt Maker: Receipts App](https://appshunter.io/ios/app/receipt-maker-receipts-app/id6479334331) | 5.0 (3) | Free | Finance | | [Net Worth Tracker - WealthLog](https://appshunter.io/ios/app/net-worth-tracker-wealthlog/id6741539563) | 3.7 (3) | Free | Finance | | [Net Worth Tracker - Worth it](https://appshunter.io/ios/app/net-worth-tracker-worth-it/id1515358890) | 4.8 (16) | Free | Finance | | [UK Salary Calculator 2026/27](https://appshunter.io/ios/app/uk-salary-calculator-202627/id945807341) | 4.7 (6) | Free | Finance | --- *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 2026-09-21.*