Isaac - Retirement Planning

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.