Name: Isaac - Retirement Planning
Rating: 5 (2 reviews)

Updating

Isaac - Retirement Planning

Budgetwise

Released: 2026-03-11

Free New

Version 4.7.0

Free New

Version 4.7.0

Released: 2026-03-11

Description

Will your money last in retirement? Isaac helps you find out. The UK's best retirement calculator.

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

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.

What's New in Version 4.7.0

- More accurate planning

- Income breakdown charts

- Inheritance planning

- Minor bug fixes

Seller

Name

Budgetwise Ltd

URL

https://www.isaacmoney.com

Information

Developer

Budgetwise

Version

4.7.0

Size

56.4 MB

Game Center

VPP Device Licensing

Yes

Rating

Rated: 4+

Compatibility

iOS 15.1 or later

Devices

iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XR, iPhone XS, iPhone XS Max, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone SE (2nd generation), iPhone 12, iPhone 12 Pro, iPhone 12 Pro Max, iPhone 12 mini, iPhone 13, iPhone 13 Pro, iPhone 13 Pro Max, iPhone 13 mini, iPhone SE (3rd generation), iPhone 14, iPhone 14 Plus, iPhone 14 Pro, iPhone 14 Pro Max, iPhone 15, iPhone 15 Plus, iPhone 15 Pro, iPhone 15 Pro Max, iPhone 16, iPhone 16 Plus, iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16e, iPhone 17, iPhone 17 Pro, iPhone 17 Pro Max, iPhone Air, iPhone 17e, iPad (5th Generation) Wi-Fi, iPad (5th Generation) Wi-Fi + Cellular, iPad (6th generation) Wi-Fi, iPad (6th generation) Wi-Fi + Cellular, iPad Pro, iPad Pro (Cellular), iPad Pro (9.7-inch), iPad Pro (9.7-inch) (Cellular), iPad Pro 12.9-inch (2nd generation), iPad Pro 12.9-inch (2nd generation) Wi-Fi + Cellular, iPad Pro (10.5-inch), iPad Pro (10.5-inch) Wi-Fi + Cellular, iPad Pro (11-inch), iPad Pro (11-inch) Wi-Fi + Cellular, iPad Pro 12.9-inch (3rd generation), iPad Pro 12.9-inch (3rd generation) Wi-Fi + Cellular, iPad Air, iPad Air (Cellular), iPad Air 2, iPad Air 2 (Cellular), iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular, iPad mini Retina, iPad mini Retina (Cellular), iPad mini 3, iPad mini 3 (Cellular), iPad mini 4, iPad mini 4 (Cellular), iPad mini (5th Generation), iPad mini (5th Generation) Wi-Fi + Cellular, iPad (7th generation) Wi-Fi + Cellular, iPad Pro 11-inch (2nd generation), iPad Pro 11-inch (2nd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (4th generation), iPad Pro 12.9-inch (4th generation) Wi-Fi + Cellular, iPad Air (4th Generation) (Wi-Fi), iPad Air (4th Generation) (Wi-Fi + Cellular), iPad (8th generation) Wi-Fi, iPad (8th generation) Wi-Fi + Cellular, iPad Pro 11-inch (3rd generation), iPad Pro 11-inch (3rd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (5th Generation), iPad Pro 12.9-inch (5th Generation) Wi-Fi + Cellular, iPad (9th Generation), iPad (9th Generation) Wi-Fi + Cellular, iPad mini (6th Generation), iPad mini (6th Generation) Wi-Fi + Cellular, iPad Air (5th generation), iPad Air (5th generation) Wi-Fi + Cellular, iPad Pro 11-inch (4th generation), iPad Pro 11-inch (4th generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (6th generation), iPad Pro 12.9-inch (6th generation) Wi-Fi + Cellular, iPad (10th generation), iPad (10th generation) Wi-Fi + Cellular, iPad Air 11-inch (M2) Wi-Fi, iPad Air 13-inch (M2) Wi-Fi, iPad Air 13-inch (M2) Wi-Fi + Cellular, iPad Pro 11-inch (M4) Wi-Fi, iPad Pro 11-inch (M4) Wi-Fi + Cellular, iPad Pro 13-inch (M4) Wi-Fi, iPad Pro 13-inch (M4) Wi-Fi + Cellular, iPad mini (A17 Pro) Wi-Fi, iPad mini (A17 Pro) Wi-Fi + Cellular, iPad (A16) Wi-Fi, iPad (A16) Wi-Fi + Cellular, iPad Air 11-inch (M3) Wi-Fi, iPad Air 11-inch (M3) Wi-Fi + Cellular, iPad Air 13-inch (M3) Wi-Fi, iPad Air 13-inch (M3) Wi-Fi + Cellular, iPad Pro 11-inch (M5) Wi-Fi, iPad Pro 11-inch (M5) Wi-Fi + Cellular, iPad Pro 13-inch (M5) Wi-Fi, iPad Pro 13-inch (M5) Wi-Fi + Cellular, iPad Air11M4, iPad Air11M4Cellular, iPad Air13M4, iPad Air13M4Cellular, iPod touch (6th Generation), iPod touch (7th generation)

Languages

English

App Store: Customer Ratings

Ratings & Reviews

5.0 of 5 (2 Ratings)

App Store: Customer Reviews

2026-03-11

Does exactly what a retirement app should

Within 5 minutes I had a clear picture of where I'll actually be at retirement. First time I've ever seen it all in one place.

Best bit is adjusting contributions and retirement age and seeing what difference it makes. Bumping things up a couple of percent now has a surprisingly big impact by 60.

No fluff, no trying to sell you a financial adviser. Just a straightforward tool that shows you your numbers. Really well done.