---
title: "Isaac - Retirement Planning - Reviews, Revenue and Downloads in United Kingdom | Apple App Store"
description: "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. Workplac"
---

# Isaac - Retirement Planning — United Kingdom
> UK Pension & Drawdown Planner

![Isaac App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/47/82/5b/47825ba9-bbec-91d1-349f-981b71be59a3/AppIcon-0-0-1x_U007epad-0-1-85-220.png/434x0w.png)

**Developer:** [Budgetwise](https://apptail.io/developer/budgetwise-Aongzb)
**Category:** Finance
**Rating:** 4.6/5 (36 ratings)
**Price:** Free
**Bundle ID:** com.isaacmoney
**Store:** Apple App Store
**Country:** United Kingdom
**Version:** 6.2.0 (released 2026-10-13)
**Original Release:** 2026-03-11
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/gb/app/app/id6759624582)
**AppTail Page:** [https://apptail.io/app/isaac-retirement-planning-fToz/united-kingdom](https://apptail.io/app/isaac-retirement-planning-fToz/united-kingdom)

## Isaac Description
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: 
Privacy Policy: 

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.

## Isaac Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/fb/31/ea/fb31eaf6-3350-7346-fbab-5cecfd467716/01-dashboard.png/1284x2778.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a5/77/8e/a5778e37-ecd2-7a67-d7ec-9d6dbd78702b/02-projection.png/1284x2778.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/35/a8/1e/35a81e5f-d250-2fe1-943d-3e321e38ae99/03-pensions.png/1284x2778.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f6/7b/db/f67bdb9a-e556-0b27-4951-8f6c2b26d00d/04-income.png/1284x2778.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/0e/d4/e6/0ed4e685-a408-493d-43f2-447c9c1c3e7a/05-spending.png/1284x2778.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/09/79/d4/0979d474-9d8d-ca90-9580-43c015acf244/06-cashflow.png/1284x2778.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/d9/f8/e8/d9f8e89d-647c-0923-946c-57567698c419/07-history.png/1284x2778.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d2/bd/3f/d2bd3ff7-703e-792d-3cfb-a356279f3fc0/08-inheritance.png/1284x2778.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/00/60/4a/00604aff-9e63-ccd1-19f1-e683d67b38bc/09-couples.png/1284x2778.png)

## Isaac Rating Breakdown in United Kingdom
- 5 stars: 28 (78%)
- 4 stars: 5 (14%)
- 3 stars: 0 (0%)
- 2 stars: 1 (3%)
- 1 stars: 2 (6%)

## Isaac Reviews in United Kingdom

### ****- "Retirement planner"
I found it very useful, but a little bit limiting. Support and help from the developers was excellent, especially as I did not subscribe to the full version. 
I don’t like the way it forces you to use up savings in the first years of retirement before drawing down from a dc pension pot starts. So more flexibility with savings etc would be appreciated.
-- lemonrich, 2026-08-31

### ***** "Home made retirement planning"
With this tool you can model, adjust,experiment and play about with your numbers and data, at your leisure, in your own time, at your own pace, with no pressure. 
I have and do totally recommend it.
-- Philthegreek(soon), 2026-08-31

### ***** "Excellent!"
The app allows you to add all of your pensions, current contributions and assets to provide you with an illustration of your fluidity through retirement.
-- ClaptonChris, 2026-08-25

### ***** "Brilliantly Simple"
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!
-- DIH993, 2026-08-12

### *---- "Does basically nothing unless you pay."
Useless unless you pay
-- silvercue_mama, 2026-08-06

### ***** "A great tool"
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!
-- PhilMLufbra, 2026-07-13

### *---- "Can’t even get past the first screen saying how complex financial planning is!"
Currently the app is non-functional at least to a new user.
-- WaveyD100, 2026-06-26

### ***** "So useful"
Isaac has really helped me get to grips with planning my retirement. Such a good app. So well designed and packed with features.
-- Lee Thatcher, 2026-06-26

### ***** "Retirement Clarity"
This is the only retirement planning app that is both super easy to use and comprehensive. Great interface and some very interesting outputs.
-- Fletcher188, 2026-06-01

### ***** "Downgrade to free"
Hi how to I downgrade to the free version. The subscription screen does not stay open?
-- Gold A, 2026-05-17

[View all Isaac reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)

## Isaac In-App Purchases
| Item | Price |
|------|-------|
| Isaac Premium | £79.99 |

## Isaac Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Grossing | United Kingdom | Finance | #76 |

## Isaac Discovered Keywords
- up money
- uk tax savings
- lifetime wealth planning
- pension planner uk
- isaac
- retirement planning

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## Isaac Available In
- [United Kingdom](https://apptail.io/app/isaac-retirement-planning-fToz/united-kingdom)
- [Australia](https://apptail.io/app/isaac-retirement-planning-fToz/australia)
- [Germany](https://apptail.io/app/isaac-retirement-planning-fToz/germany)
- [Algeria](https://apptail.io/app/isaac-retirement-planning-fToz/algeria)
- [France](https://apptail.io/app/isaac-retirement-planning-fToz/france)
- [New Zealand](https://apptail.io/app/isaac-retirement-planning-fToz/new-zealand)
- [Austria](https://apptail.io/app/isaac-retirement-planning-fToz/austria)
- [United States](https://apptail.io/app/isaac-retirement-planning-fToz/united-states)
- [Canada](https://apptail.io/app/isaac-retirement-planning-fToz/canada)

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