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The retirement benefit your team will actually use
Give every employee their own retirement plan: all their pensions, the State Pension, their partner and their tax in one projection they can change in seconds.
They see when they can retire, what they’ll live on and what would change it, in about two minutes. You pay only for the people who join. Easy to run, too.
You already pay into their pension.
Let them see it.
Auto-enrolment got almost everyone saving. It didn’t help anyone understand what they’re saving towards, so the money you put in every month goes largely unnoticed. Isaac turns it into answers people care about: when they can stop work, and what they’ll have to live on.
- 75% of UK adults don’t know how much is in their pension pot
- 12.5 million people in the UK are under-saving for retirement
- Financial stress costs UK businesses £1,300 per employee per year in lost productivity
- A yearly pension statement shows a pot, not whether it’s enough or what to change
- A year-by-year projection to age 100 from the pensions, savings and State Pension they already have
- What would it take? works out the retirement age, spending or saving that makes their plan work
- Your scheme as it really is: contributions as a share of salary, with your fixed rate or matching formula
- Everything else that matters: a partner, property, ISAs, tax and inheritance
- A stress test across 1,000 possible futures, and a PDF report to take to an adviser
- On iPhone, Android and the web
For employers who want their pension to count
Growing businesses without a benefits team
You run a workplace pension and want people to value it, without a platform, a provider review or a project. Isaac is a link, a code and a short portal.
Employers who match contributions
A match only works if people take it. Employees enter your scheme’s formula and see what paying in enough to get the full match does to their retirement.
Teams with people nearing retirement
When can I stop? What will I live on? When should I take my tax-free cash? Isaac answers with their own figures, and keeps working once they’ve retired. It’s a tool, not advice, so you aren’t advising anyone.
Teams you can’t get in one room
No seminars to book or sessions to fill. Everyone gets the same help on their own phone, whenever suits them, and can come back to it as life changes.
One clear answer. Then all the detail they want.
Isaac opens with three questions and gives a projection in about two minutes. People come back to add a partner, test a change or check they’re on track.
Easy to launch. Runs itself.
No payroll feed, no IT project, no leavers list. Everything you need to set it up and run it is on one page.
Live in a day
A 15-minute call, then your branded welcome page, link, code and a ready-made launch message.
Only your people
Add your email domain and everyone confirms a work address before their Premium starts.
Leavers drop off
People confirm again every few months. Someone who has left can’t, so their access ends by itself.
Everything they need to plan their retirement
Not a pension calculator. A full retirement plan that people return to as their life changes.
Year-by-year projections
Every income source from now to age 100, and the age the money runs out, if it does.
What would it take?
Pick a question: when could I retire, how much could I spend, what do I need to save? Isaac works out the answer.
Stress test
The chance their money lasts, across 1,000 simulated futures and every retirement year on record since 1871.
Your scheme, properly
Contributions as a share of salary, with a fixed employer rate, a match up to a limit, or a base rate plus a match.
Couples planning
Link with a partner and plan together: two sets of pensions, two State Pensions, one household.
Tax-efficient drawdown
Compares the order to draw pensions, ISAs and savings in, on tax paid and how long the money lasts.
Beyond pensions
Property, ISAs and savings, side income, big costs, inheritance and spending that changes with age.
PDF reports
A clear report with charts to take to a financial adviser or talk through at home.
Already retired
Works for people still saving and for those already drawing their pensions.
Private by design
Each employee signs up and owns their plan. Their figures are encrypted in transit and never shown to you.
Knowledge Hub
Plain-English guides to pensions, tax relief, the State Pension and retirement income.
Open methodology
Every assumption and calculation is published, so people can see how the numbers are made.
Only pay for the employees who use it
A tiered fee structure that rewards adoption. The more employees engage, the lower your effective cost per head.
Annual billing. Minimum 10 employees, and you’re billed for at least 25% of your headcount. Every member gets the full Premium app, and you get the portal and your own branded welcome page.
The case for your board
Clear about what you see, and what you don’t
What you see
The name and email address of each person who joins, when they joined, when they last used Isaac and how many plans they’ve made. Weekly activity for the team.
What you never see
Anyone’s pensions, salary, savings, spending, partner or any figure in their plan, individually or in total.
What you send us
Nothing, if you share your link or code. If you invite people from the portal, just the email addresses you type in.
Everything you need to know
Give your team clarity
on retirement.
A 15-minute call, no commitment and no hard sell. Just a look at what your team would get.
support@isaacmoney.com · isaacmoney.com/employers