Complicated pension maths, made simple. Plan your retirement accurately, by yourself, in about five minutes.
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We only built stuff that actually helps. No gamification, no badges, no “pension score” that means nothing. Just proper tools that give you proper answers.
Your pot runs out at age __. That’s the bit nobody else tells you. Once you know it, we’ll help you change it. That’s literally the whole point.
That workplace one. The old one from your first job you keep meaning to chase up. Your partner’s DB scheme from 2003. State Pension. Chuck them all in. We’ll make sense of it.
Add your partner and Isaac models both of you properly. Separate pensions, individual tax, one shared spending target. Link your accounts so changes sync between you. Swap perspectives to see the plan from either side. Actual teamwork.
Property. ISAs. Cash. That £35k kitchen you’re “definitely” doing at 68. Isaac models everything so you can see the whole picture, not just the comfortable bits.
UK income tax, personal allowance tapering, partner taxation - each person taxed on their own withdrawals. HMRC won’t forget, so Isaac doesn’t either. One less thing to worry about.
Model spending phases: spend more at 60, ease off at 80, budget for care at 85. Real life isn’t a flat line. Your retirement plan shouldn’t be either.
Retire at 57? What if the market dips? What if you live to 97? (Good for you, honestly.) Create as many scenarios as you like. Play with them. Knowledge beats anxiety every time.
Drag a slider. Watch the chart change in real time. Retirement age, contributions, spending - you and your partner, side by side. Honestly a bit addictive.
Planning to bump contributions at 50? Stop them at 63? Change employer match at 55? Schedule it all in. Life changes and your plan should keep up.
Rental income. Freelance work. Part-time jobs. Passive income. Add every stream with start/stop ages and Isaac handles the tax properly - one less surprise.
One-tap A4 report with your projection chart, key events, and year-by-year table. Perfect for sharing with an adviser - or just proving to yourself you’re on top of things.
No ads. No data selling. No “trusted partners.” Encrypted, deletable with one tap. Your numbers are your business and absolutely nobody else’s.
Already drawing your pension? Isaac handles that too. Lump sum taken, State Pension in payment, annuity already bought - just tell us where you are and we’ll project forward from here.
Flexible drawdown? Full annuity? A blend of both? Model each approach with configurable rates, purchase ages, and escalation. Set an optional emergency fund to keep a cash buffer your drawdown won’t touch. See which strategy actually keeps the lights on longest.
Multiple properties, downsizing plans, mortgage tracking - model when you sell, what you net, and how it feeds your retirement pot. Because a house isn’t just a roof, it’s a plan.
Want to leave something behind? Set your inheritance target and Isaac works out what you can afford to spend while still passing on what matters. No awkward conversations required.
ISAs, cash savings, investments - all modelled separately with tax-efficient withdrawal ordering. ISA first, then investments, then cash, then your DC pot. Smart sequencing, zero effort.
England or Scotland tax bands. Band freezing. Fiscal drag modelling. Because “one size fits all” doesn’t work when HMRC treats Edinburgh and Bristol differently.
Pension types, tax relief, investment basics, retirement income options - all explained in plain English. Learn at your own pace without Googling “what is a SIPP” at 2am.
Full transparency on every calculation. Growth rates, inflation, tax rules, drawdown logic - see exactly how Isaac gets its numbers. No black boxes, no hand-waving. Just honest maths.
Five tabs. Your entire financial future. Designed to feel like an app you’d actually want to open, not a spreadsheet from 2004.
“I opened my pension statement once. Didn’t understand a word. Put it back in the drawer. That drawer is now load-bearing.”
Age. Pension pot. Monthly contributions. What you think you’ll spend. Four things. Dead easy. You probably know most of this already - you just haven’t put it all in one place before.
Isaac projects your money year by year to age 100. Three lines: optimistic, base, and cautious. It’s the conversation you’ve been avoiding, but in chart form. And honestly? Most people feel better after seeing it, not worse.
That DB pension you forgot about. Your partner’s State Pension. The house. ISAs. Rental income. The kitchen extension at 68. Inheritance targets. All of it. Planning as a couple? Add your partner - Isaac models both pots, taxes you individually, and tracks one shared spending target.
Drag the sliders. Change retirement age, contributions, spending - for both of you - and watch the chart move in real time. Create scenarios. Compare them. Choose your drawdown strategy. Keep tweaking until you find a plan that works. Export a PDF and brush up in the Knowledge Hub.
Have a look around for free. When you want the full toolkit, Premium’s there. No pressure, no time limit on the free plan.
Practical guides to help you understand pensions, tax, and planning — written in plain English.
PLSA benchmarks, pension pot sizes, the things people forget, and how to work out your actual number. A 2026 guide with real figures.
Nil-rate bands, the residence allowance, PETs, Business Relief, and the 2027 pension change. Everything you need to know about IHT.
Full amounts for 2026/27, qualifying years, pension age changes, the triple lock, and why filling NI gaps might be the best investment you make.
Forget the rules of thumb. The amount you need depends on your life, your pensions, and your plans. Here’s how to actually work it out.
Interactive charts showing how frozen tax thresholds silently erode your take-home pay — and what it means for your retirement income.
An honest comparison with star ratings and a feature table. Isaac, RetireEasy, Guiide, EvolveMyRetirement, ProjectionLab, PensionBee, and MoneyHelper.
Five minutes from now you could know exactly where you stand. Future you will be genuinely grateful. Probably buy you a pint, honestly.
Isaac is an educational planning tool - not financial, investment, tax, or legal advice. We’re not authorised or regulated by the FCA. Projections are based on what you put in and aren’t guarantees (pensions and investments can go down as well as up). For proper decisions, always talk to a qualified, FCA-regulated adviser. We do the maths. They do the advice. Between the two, you’re sorted.