The best UK retirement planning apps in 2026, with every price checked.

Who wrote this, and how to read it. This page was researched and written by WealthR, and WealthR is one of the ten products on it. It is our assessment, not an independent review. What we can offer instead of independence is checkable work: every price carries the date we read it off the provider’s own pricing page, every tool gets a section saying where it beats us, and we name the rows we could not verify rather than guessing. We do not link to the other products — you can search any of them by name. Features and prices change; check the provider before deciding anything.

How we compared them

Five things decide whether a UK retirement planner is any use. We set them out before the table rather than after, because the criteria are where a comparison like this gets quietly rigged.

1. UK tax accuracy, in detail. Income tax bands including Scottish rates, National Insurance, the personal allowance taper above £100,000, pension annual allowance, dividend and savings rates, capital gains. A planner that approximates UK tax produces projections that look precise and are not.
2. Every pension type you actually have. Most UK savers over 45 hold a mix: a workplace DC pot, possibly a defined-benefit scheme from an earlier employer, maybe a SIPP, plus the State Pension. A tool that cannot model a DB scheme cannot model most of our target readers.
3. What happens after you stop working. Which pot pays each year, the tax on the way out, how long the money lasts. This is the part most calculators skip, and it is the part that decides whether you can retire.
4. What the free tier really covers. “Free tier” ranges from a full planner to a teaser that cannot build a real plan. We looked at each one.
5. Price, and whether it holds. An annual subscription you will keep for twenty years matters more than a headline monthly figure.

Prices and free tiers, checked at source

Annual cost is the fair comparison, because most of these are sold annually. Where a tool only bills monthly we have shown the twelve-month equivalent.

Two things this table makes plain. RetireEasy’s entry tier is genuinely cheaper than WealthR Pro — £2.99 a month against £5.99 — and we would rather say so than leave them off. What RetireEasy does not have is a free tier, so you are paying from the first day. Among the tools you can use indefinitely without paying, WealthR’s £39.99 is the lowest annual price on this page, and it is exactly half of Isaac’s £79.99 and RetireEasy Premium’s £80.00.

What each one models

Tools run down the side rather than across the top, so this is readable on a phone. A tick means the tool names the feature itself; a tilde means partial or limited; a cross means not offered. Rows we could not verify directly are marked.

The tools, one by one

WealthR — the widest picture, at the lowest annual price

WealthR is a UK money tracker and planner in one. Net worth across pensions, ISAs, property, savings and crypto; a month-by-month forecast to age 99; a drawdown planner that says which pot pays each year and the tax on the way out, capital gains included; the full UK income tax picture with Scottish bands, National Insurance, the £100,000 personal-allowance taper, the High-Income Child Benefit Charge, dividends and inheritance tax. Fourteen life-event scenarios, 7 WealthR Playbooks, and 32 free UK calculators on the website that need no sign-up at all.

It does not link to your bank. Figures go in by hand or by CSV, which is slower to start and means no open-banking consent, no account credentials and no third-party aggregator holding your data.

Suits you if you want one place for everything rather than a retirement-only tool, you have a DB pension or company dividends, or you want a planner you can use free for as long as you like before deciding.

Where the others beat us. Isaac has a true native app and visualises fiscal drag, which we do not. Scenarios.uk runs more simulation paths and publishes its methodology in full. MyFinanceFuture models AVC benefits linked to a DB scheme for tax-free cash, which we do not yet. RetireEasy is cheaper at entry and has modelled lifetime mortgages for years.

Isaac — the best mobile experience

A UK retirement planner with a genuine native app on iOS and Android, which almost nothing else here has. Deep UK tax modelling across England, Wales and Scotland, DC and DB pensions, couples planning, inheritance tax, and a fiscal-drag visualisation that shows frozen thresholds dragging you into higher bands — a real effect most tools ignore entirely. Free tier, £7.99 a month or £79.99 a year, with Monte Carlo on the paid tier.

Suits you if you want to plan on your phone and read plain English rather than pension jargon.

What to weigh. It is retirement-only — there is no wider net-worth tracking, dividend planning or calculator library — and at £79.99 it is twice WealthR’s annual price.

Scenarios.uk — the most rigorous simulation

A UK planner built around 1,000-run Monte Carlo rather than a single projection, with correlated returns across seven asset classes, a seven-tier tax-optimised withdrawal waterfall, inheritance tax with the residence nil-rate band and the seven-year gift taper, and a published methodology page. The random seed derives from your inputs, so the same plan returns the same answer — a detail most tools do not bother with.

Suits you if you care about sequence-of-returns risk and want a probability rather than a single line.

What to weigh. Full tax precision and the withdrawal optimiser sit on the paid tier, from £72 a year.

MyFinanceFuture — the deepest on defined-benefit pensions

The broadest input set here: employments and career breaks, DC and DB pensions including CARE and final-salary basis, AVC schemes, buy-to-let, family businesses and unlisted shares, AIM IHT shares, VCTs, EIS and SEIS, equity release and retirement interest-only mortgages, Bed & ISA and Bed & SIPP reinvestments. Crucially it models AVC benefits linked to a DB scheme for tax-free cash rights — a rule that lets some public-sector members take far more than 25% of the AVC as cash, and which nothing else on this page handles.

Suits you if you are a DB scheme member paying AVCs, or your finances include business assets and tax-advantaged investments.

What to weigh. It is deterministic — you test one plan by hand rather than running a distribution — the free Basic tier cannot build a real plan, and Premium is £95 a year, the highest sterling price here.

RetireEasy — the cheapest way in, and the longest track record

Running since 2011, with solid underlying calculations across pensions, ISAs, savings, property, business assets and debts. Premium models lifetime mortgages and compares up to ten scenarios. Basic is £2.99 a month, the cheapest paid tier on this page.

Suits you if you want the lowest entry price and are comfortable with a spreadsheet-like interface.

What to weigh. There is no free tier, so you pay from day one; it is web-only with no app; and drawdown is specified as percentage rates rather than income targets, which many people find awkward.

ProjectionLab — the most configurable canvas

A US tool with growing UK support: ISAs, workplace pensions and SIPPs, Monte Carlo, Sankey cash-flow diagrams, historical backtesting and a mature compare mode. For analytical depth and freedom to model arbitrary milestones it is hard to beat.

Suits you if you enjoy building a model and can work around UK gaps.

What to weigh. It remains US-first — UK tax is a localisation layer rather than the foundation — and it is priced in US dollars at $129 a year, so you carry the exchange rate.

EvolveMyRetirement — for sequence-of-returns risk

Free, independent, and built round an unusual idea: rather than asking for a target income it calculates a sustainable spending level, using simulation and an optimisation engine to account for the order in which returns arrive. Works for singles and couples, from your twenties to your nineties.

Suits you if you want to know what you can safely spend rather than whether a number you picked works.

What to weigh. Web only, the interface is functional rather than polished, and the paid tier prices are not published.

Guiide — the best free sanity check

A free UK tool focused on DC drawdown, with a six-step setup and tax-aware guidance on the order to draw from a SIPP and a general account. Strong reviews, and genuinely free.

Suits you if you want a quick, free read on whether your pot supports your plan.

What to weigh. No couples modelling, no DB pensions, limited scenario depth, and not built for ongoing planning.

MoneyHelper — the free government baseline

Government-funded, impartial and free, with pension and retirement calculators and a State Pension forecast route. Not a planner in the sense the rest of this page means, but the right first stop if you want a neutral starting figure, and the place to go for free regulated guidance through Pension Wise.

One thing only we offer: the price you join at is the price you keep

WealthR Pro is £5.99 a month or £39.99 a year, and that price is locked until 6 April 2027. Subscribe before then and you keep it for as long as your subscription stays active — it does not rise underneath you later. Cancel and come back afterwards and you pay whatever the price is at that point.

Our price does go up on 6 April 2027, for new subscribers from that date. Everyone already subscribed keeps what they joined at. No other tool on this page offers a price hold, which is the one thing in this comparison a competitor cannot undercut by changing their own pricing.

Questions people ask

Information correct as at 6 October 2026. Prices and features were taken from each provider’s own public pricing pages on that date, except where the table marks a row as unverified. Nothing here is a personal recommendation or regulated financial advice. WealthR Ltd is not authorised by the Financial Conduct Authority. Consider speaking to a regulated adviser before acting on any plan.

More WealthR comparisons

WealthR vs ProjectionLab · WealthR vs Emma · WealthR vs Snoop · WealthR vs Moneyhub · WealthR vs WealthView · All comparisons