# Isaac - UK Retirement Planning

> Isaac is a comprehensive retirement planning app for iPhone, iPad, and the web. It helps individuals model their UK pensions, tax, spending, and inheritance - all in one place. No jargon, just honest maths.

## About

Isaac is built by Budgetwise Limited and is available on the Apple App Store and via the web at [isaacmoney.com](https://www.isaacmoney.com). It is designed for UK residents planning their retirement, financial advisers (IFAs) managing client cashflows, and employers offering pension planning as a workplace benefit.

## Key Pages

- [Home](https://www.isaacmoney.com): Main landing page with product overview, features, and pricing.
- [For Employers](https://www.isaacmoney.com/employers): B2B workplace pension planning benefit for employers.
- [For Advisers](https://www.isaacmoney.com/advisers): Isaac for Advisers - professional cashflow modelling portal for IFAs.
- [Calculator](https://www.isaacmoney.com/calculator): Free web-based UK pension calculator.
- [User Guide](https://www.isaacmoney.com/guide): Knowledge base and help documentation.
- [Calculation Methodology](https://www.isaacmoney.com/calculation-methodology): How the engine works - tax, pensions, projections.
- [Terms of Service](https://www.isaacmoney.com/terms)
- [Privacy Policy](https://www.isaacmoney.com/privacy)
- [Subscription Policy](https://www.isaacmoney.com/subscription-policy)
- [Accessibility](https://www.isaacmoney.com/accessibility)
- [Full LLM Reference](https://www.isaacmoney.com/llms-full.txt): Detailed product information for AI systems.

## Blog / Guides

- [How Much Do I Need to Retire in the UK?](https://www.isaacmoney.com/blog/how-much-to-retire-uk): PLSA benchmarks, pension pot sizes, tax, inflation, and how to work out your number.
- [UK Inheritance Tax Explained](https://www.isaacmoney.com/blog/uk-inheritance-tax-explained): Nil-rate bands, residence allowance, PETs, taper relief, Business Relief, and the 2027 pension change.
- [UK State Pension Explained](https://www.isaacmoney.com/blog/uk-state-pension-explained): Full amounts for 2026/27, qualifying years, pension age, the triple lock, and voluntary NI contributions.

## Pricing

- **Free**: 1 scenario, core pension modelling, basic projections, State Pension and DB pension support.
- **Premium**: £7.99/month or £79.99/year. Unlimited scenarios, spending curves, big purchases, inheritance tax planning, PDF export, partner planning, drawdown strategies, and more.

## Core Features

- Defined Contribution (DC) pension modelling with multiple pots
- Defined Benefit (DB) pension support
- State Pension calculation based on NI qualifying years
- Tax calculations for England/Wales and Scotland (2026/27 rates)
- Spending curves and phased retirement spending
- Big one-off purchases and later life care fund
- Inheritance Tax (IHT) planning with PETs, Business Relief, and life insurance
- Partner/couple planning with combined household modelling
- Tax-free lump sum options: PCLS, UFPLS, and Hybrid
- Drawdown, annuity, and blended strategies
- Retirement age solver
- PDF report export
- Offline-first with cloud sync

## Target Audiences

1. **Individuals** aged 30-70 planning their UK retirement
2. **Financial Advisers (IFAs)** needing a cashflow modelling tool for clients
3. **Employers** wanting to offer pension planning as a workplace benefit

## Contact

- Website: https://www.isaacmoney.com
- Support: support@isaacmoney.com
- Company: Budgetwise Limited