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.

The free plan includes one scenario with DC, DB, and State Pension inputs, core assumptions (inflation, growth rates, retirement age), and basic spending settings. It’s everything you need to get started.

Premium unlocks unlimited scenarios and pensions, partner planning, property and ISA/savings modelling, spending curves and big purchases, extra income streams, inheritance planning, tax customisation (England/Scotland), drawdown strategy modelling, monthly check-ins, and PDF export.

Go to Account > Manage Subscription. This opens your App Store or Google Play subscription settings where you can cancel or change your plan. You’ll keep Premium access until the end of your current billing period.

Go to Account > Subscription > Enter Promo 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.

Go to Account > 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 through your app store.

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.

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.

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 see the full breakdown in “How Our Model Works” on the Assumptions tab.

Once a month, Isaac shows you estimated changes to your retirement plan — contributions added, investment growth, ISA changes, and mortgage payments. It takes about two minutes to review and apply the updates. You can opt out at any time from the Account tab.

Yes, with Premium. Toggle “Include Partner” on the Assumptions tab. Enter your partner’s age, 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.

With Premium, tap the export button on the Dashboard. Isaac generates a professional A4 report with your projection charts, pension summary, year-by-year tables, and all your assumptions. Perfect for sharing with a financial adviser.

Yes. Your data is encrypted in transit and stored securely. 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.

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