How can we help?

Download Isaac from the App Store or Google Play, then sign up with your email or use Apple/Google sign-in. You can start planning immediately with the free tier.

Everything you need to build your whole plan: unlimited plans; workplace, personal, final salary and State Pensions; property, savings and ISAs; your spending curve and big purchases; your partner’s details; extra income, inheritance and tax settings. You also get the projection and income charts, “What would it take?”, Already Retired mode, Excel export and cloud sync.

The tools that test and explain your plan: the Retirement Year Planner (the tax year you stop work, worked out to the day), the Monte Carlo stress test and historical backtest (your plan replayed from every retirement year since 1871), the cash flow view, What if, plans side by side, year-by-year detail, full-screen charts with live sliders, the PDF report, Chronology, Pot by pot and wealth tracker, tax-efficient drawdown, inheritance tax planning (gifts, reliefs and life insurance), business-owner planning (your company’s retained funds, dividends, liquidation or sale, compared) and partner linking. It also includes every new feature as it’s released.

Premium is £79.99/year (works out to about £6.67/month) or £7.99/month for more flexibility. Both plans include all Premium features. New accounts can try Premium free for 3 days when they set up their plan, with no payment taken. You can cancel anytime in your App Store or Google Play subscriptions, or through Account > Manage subscription > Cancel or change plan on the web.

Go to More > Subscription > Manage subscription > Cancel or change plan. On the web this opens the Stripe Billing Portal; in the app it opens your App Store or Google Play subscription settings. You’ll keep Premium access until the end of your current billing period.

Open the Premium screen and tap “Have an organisation or promo code?”, or go to More > Subscription > Link organisation code. Type your code and tap Apply. If it’s valid, the benefits will be applied immediately — you’ll see a confirmation showing what the code unlocked.

Subscriptions are managed through the App Store or Google Play. To request a refund, visit reportaproblem.apple.com (Apple) or the Google Play subscriptions page in your Google account. Isaac does not process payments directly, so refunds are handled by your app store.

Your employer provides a promo code that unlocks Premium for you. Enter the code under More > Subscription > Link organisation code, or on the Premium screen under “Have an organisation or promo code?”. As long as your employer’s licence is active, you’ll have full Premium access at no cost to you.

Go to More > Account and sign-in > Delete account. Your personal data will be removed and your account anonymised. This action cannot be undone. If you have an active subscription, cancel it first: in your App Store or Google Play subscriptions, or under More > Subscription > Manage subscription on the web.

Isaac uses the same mathematical principles as financial planning tools. It models compound growth, inflation, UK tax bands, State Pension entitlements, and drawdown sequences. However, all projections are estimates based on the assumptions you enter — actual returns, inflation, and tax rules will differ. Isaac is a planning tool, not financial advice.

Isaac uses 2026/27 UK tax rates by default: £12,570 personal allowance (frozen until 2031), the current England/Wales and Scottish tax bands, and the £241.30/week State Pension (triple-lock rate). All rates are updated when the government announces changes.

Flexible drawdown takes money from your pot as you need it. A full annuity converts your pot into guaranteed income for life. A blend does a bit of both — you choose what percentage goes to each. Isaac lets you model all three with configurable rates, purchase ages, and escalation.

Spending phases let you model how your spending changes through retirement. Most people spend more in early retirement (travel, hobbies), reduce in their 70s, and may increase again later for care costs. You set the monthly amount for each phase and the age it starts.

You can choose As you draw to take 25% tax-free with each withdrawal (UFPLS), All upfront to take the whole lump sum at retirement (PCLS), or Some upfront, which takes part of it at retirement and the rest as you draw. Isaac never leaves any of it untaken. Isaac tracks the £268,275 HMRC lump sum allowance and warns you if you exceed 25% of your pot. Each person (self and partner) has an independent cap.

Yes. Set your retirement age to your current age and Isaac switches to “Already Retired” mode. You can mark whether you’ve already taken your lump sum, started your State Pension, or purchased an annuity. Isaac will model your remaining drawdown from where you are now.

Each year in retirement, Isaac withdraws from your pots in the most tax-efficient order: first, it fills your personal allowance from your DC pension (tax-free up to that amount). Then it uses ISA and savings (always tax-free). Finally, if you still need more, it draws from your DC pot and applies the appropriate tax. You can read more in the Calculation Methodology page.

Yes, for free. Toggle “Include Partner” on the Your Plan tab. Enter your partner’s date of birth, retirement age, and State Pension details. Assign individual DC and DB pensions to each person. Isaac models combined household spending, individual tax calculations, and proportional drawdowns. To link your accounts so you both see and edit the same plans, one of you needs Premium; the other joins free.

Yes. Both partners can link their Isaac accounts so they share the same plans. Changes either of you makes are synced in near-real-time. You can also swap perspective to see the projections from your partner’s point of view.

With Premium, tap the export button on the Dashboard. Isaac generates a professional A4 report with your projection charts, income breakdown, event timeline, and year-by-year tables. Perfect for sharing with a financial adviser.

Yes. Your plans are saved locally on your device. You can view and edit them without an internet connection. When you reconnect, Isaac syncs your changes to the cloud automatically.

Fiscal drag happens when tax band thresholds don’t rise with inflation, meaning more of your income falls into higher tax brackets over time. Isaac lets you choose whether bands are frozen, partially frozen, or rise with inflation in the advanced tax settings. The UK personal allowance is currently frozen until 2031.

Yes. Your data is encrypted in transit and stored securely. On Android, plan data is also encrypted at rest on your device. We never share your financial information with third parties. All data is scoped to your account and protected by session-based authentication. You can read our full Privacy Policy for details.

No. We will never sell your personal or financial data. Isaac is funded by Premium subscriptions and employer partnerships, not by selling user data.

Isaac collects the data you enter (pensions, spending, age, etc.) to generate your projections, plus basic account info (email, name). We also collect anonymised analytics events (signups, feature usage) to improve the app. We do not collect location data, contacts, or any data beyond what’s needed for the service. Full details are in our Privacy Policy.

All your personal data (plans, preferences, financial information) is permanently deleted. Your account record is anonymised for aggregate analytics only — no personal information is retained. This process is irreversible.

Isaac is a planning and modelling tool, not a financial advisory service. We do not provide regulated financial advice, manage investments, or make recommendations. Isaac helps you explore “what if” scenarios based on the assumptions you enter. For personalised financial advice, please consult a qualified financial adviser.

Yes. Isaac for Employers gives your team access to Premium at no cost to them. You get a branded portal to manage licences and track engagement. Visit isaacmoney.com/employers to learn more or get in touch.

Yes. Isaac for Advisers is a professional cashflow modelling portal designed for IFAs. It includes client management, real-time projection charts, firm branding, branded PDF reports, and read-only client sharing. Visit isaacmoney.com/advisers to learn more.

Yes. Financial advisers can generate referral codes to share with clients. You earn a commission on each Premium subscription that comes through your code. Contact us at support@isaacmoney.com for details.