UK Retirement Planning Apps Compared (2026)

We make Isaac, so read this section with that in mind.

Isaac is built for UK rules. It models income tax for England, Wales and Northern Ireland and for Scotland, the personal allowance taper, the pension Annual Allowance, the State Pension, ISAs, and tax-free cash taken up front, with each withdrawal or a mix of the two. You add your pensions (defined contribution and final salary, including the main public service schemes), savings, property and spending, and it projects your money year by year: where your income comes from, how it is taxed and when it might run short. It can also model frozen tax thresholds (fiscal drag), spending that changes with age, big one-off costs and extra income such as rent or part-time work.

It is a native app for iPhone and Android as well as the web, and partners can link accounts to work on the same plan.

The free tier lets you build a full plan with the projection and income charts. Premium adds the stress test (1,000 simulated futures and every retirement year since 1871), year-by-year detail, inheritance tax planning, the PDF report and more. New users can try Premium free for 3 days.

RetireEasy has been running since 2011, which makes it one of the longest-established UK retirement planners. Its LifePlan brings together pensions, investments, savings, business assets and property, calculates tax, and shows how your finances evolve through retirement, including any shortfall. There are single and couples versions, and you can download your forecast as a spreadsheet.

It has three paid tiers. Basic is £2.99 a month; Classic (£5.99 a month) adds what-if scenarios such as downsizing; Premium (£7.99 a month) lets you compare up to 10 scenarios, model a lifetime mortgage and print a narrative report. There is no free tier, and it runs in a web browser rather than as a phone app.

If you want a lot of control and are happy working at a computer, it’s worth a look.

Guiide is a free planner from a Scottish fintech, aimed at people with defined contribution pensions who are working out how to draw them. It brings together State and final salary pensions, ISA savings and part-time work, and suggests a tax-efficient order to draw your money. LV= also offers a version to its customers.

In 2025 it teamed up with Pathlines and Invesco on a guided drawdown service for non-advised savers over 50: you build a plan in Guiide, combine your pots with Pathlines and link your projections to the account.

A couples version has been announced, but we couldn’t confirm it is available yet, so for now each person plans separately.

EvolveMyRetirement works the other way round from most planners. Instead of testing a spending target you set, it combines a genetic algorithm with Monte Carlo simulation to find the most you could sustainably spend, allowing for the order in which returns arrive, and shows how much you are likely to leave as an inheritance.

It handles single people and couples (assuming they are married or in a civil partnership) and Scottish tax. The free tier lets you build, optimise and save a plan. The paid Standard and Premium tiers add manual strategy editing, numerical scenario views, a PDF report, multiple plans and unlimited reports.

It runs in a web browser; we found no phone app. Its approach suits people who are comfortable with a more technical tool.

ProjectionLab is a US-built planner that now includes tax presets and account types for the UK and several other countries, such as ISAs, workplace pensions and SIPPs. It offers Monte Carlo simulation and historical backtesting, cash-flow (Sankey) charts, and joint or separate planning for couples, including one partner outliving the other.

Its tax engine started in the US, so check how it handles UK-specific rules, such as taking 25% tax-free with each withdrawal (UFPLS) and the Lump Sum Allowance, before relying on it. Premium is priced in US dollars and billed annually.

PensionBee is a pension provider rather than a planning tool, but it often comes up in searches for retirement apps. It makes it easy to move old workplace and personal pensions into one online plan, which you manage in its app.

Its pension calculator projects your pot at 5% growth a year (with 3% and 8% as low and high cases), assumes the full new State Pension and shows your income against a target. It doesn’t take in the rest of your finances, such as ISAs, property or a final salary pension.

Fees run from 0.50% to 0.95% a year depending on the plan, and the rate on the part of your pot over £100,000 is halved.

MoneyHelper is the free, government-backed service from the Money and Pensions Service. Its pension calculator covers defined contribution and defined benefit pensions and your State Pension, sets a target income based on your salary, and shows any gap. You can change your retirement age, your contributions and how much tax-free cash you take to see the effect.

It uses fixed assumptions (5% growth a year, 0.75% charges and 2.5% inflation) rather than a range of outcomes, covers pensions only rather than ISAs or other savings, and is designed for people retiring at 55 or later. It’s a good first step before moving to something more detailed.