Isaac Knowledge Hub

UK Retirement Planning Guide 2026

Plain-English guides to UK pensions, tax, and retirement — with 2026/27 figures. No jargon, just honest maths.

App User Guide
Complete Guide

How to Use Isaac — Step by Step

A full walkthrough of every screen, input, and output in the app. Covers getting started, adding pensions, reading the dashboard, running scenarios, partner planning, and more. About 15 minutes to read.

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Deep-Dive Guides
Pensions

Defined Contribution Pensions

How DC pots grow, contributions, allowances, and investment choices.

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Pensions

Defined Benefit Pensions

Final salary & career average schemes, revaluation, and commutation.

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Pensions

The UK State Pension

How much you’ll get, NI years, deferral, and the triple lock.

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Accessing Your Pension

Tax-Free Cash (PCLS & UFPLS)

Taking your 25% tax-free — upfront, gradually, or hybrid.

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Accessing Your Pension

Drawdown Strategies

Flexible drawdown, annuities, and making your money last.

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Strategy

FIRE Planning in the UK

Early retirement strategies, bridging the pension gap, and ISA laddering.

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Estate Planning

Inheritance Tax Basics

Nil-rate bands, gifts, taper relief, and the 2027 pension changes.

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Featured Articles
Article

How Much Do I Need to Retire?

PLSA benchmarks, the multiply-by-25 rule, and your actual number.

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Article

State Pension Explained

What you’ll receive, checking your NI record, and boosting it.

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Article

Inheritance Tax Explained

Thresholds, exemptions, and strategies for reducing your IHT bill.

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Article

Retirement Planning for Pilots

The age-65 cliff, pension gaps, and stress-testing your plan.

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Article

UK Fiscal Drag Explained

Interactive charts showing 40 years of stealth tax and what it means for your retirement.

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Article

Best UK Retirement Planning Apps in 2026

An honest comparison with star ratings. Isaac, RetireEasy, Guiide, EvolveMyRetirement, ProjectionLab, PensionBee, and MoneyHelper.

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Ready to see your numbers?

Isaac models your pensions, tax, spending, and more — so you can see exactly when you can afford to retire. Free to start, no sign-up required.

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