Isaac - Retirement Planning

- More accurate planning - Income breakdown charts - Inheritance planning - Minor bug fixes

DB Pension Payment Tiers Your Defined Benefit pension doesn't always pay the same amount. Now you can model up to 3 payment changes at different ages — perfect for pensions that pay one amount before State Pension age and another after. Each tier inflates correctly from its own start date. Savings Account Types Choose from 10 account types including Easy Access, Fixed Term, Cash ISA, Stocks & Shares ISA, Lifetime ISA, Premium Bonds, NS&I, Money Market, Notice Account, and more. Each type is clearly labelled so your plan reflects your real savings. Improved Input Controls Native age picker for selecting payment change ages Redesigned savings type selector with a clean bottom sheet Consistent input styling throughout the app Income Breakdown Clarity The income chart now shows both gross and net amounts for each income source, and your spending target is clearly labelled as after-tax. iPad & Tablet Layouts optimised across all screens including Inheritance Planning, legal pages, and onboarding. Excel Export Exported workbooks now include DB payment change tiers and all savings account types. IHT Reform (April 2026) Combined £1m cap for Business Relief and Agricultural Property Relief Estate composition shows total estate, relief deductions, and chargeable estate separately All tooltips, knowledge articles, and calculator updated for the new rules Property downsizing correctly inflates values to the planned date Other Improvements Premium feature indicators refined with subtle diamond icons PDF reports updated with clearer gross vs chargeable estate labelling Bug fixes for DB pension revaluation display

State Pension Triple Lock Your State Pension now grows using the triple lock by default — a separate, realistic growth rate (3.2%) rather than just inflation. You can customise the rate or turn it off. A new knowledge hub article explains the full history and what rate to choose. Partner's State Pension has its own independent triple lock setting too. Engine Accuracy Fixes AIM shares now correctly receive 50% Business Relief (not 100%) Scottish tax bands corrected to exact 2026/27 thresholds Partner's DC pot uses monthly compounding, matching the main pot ISA surplus reinvestment capped at £20k annual allowance DC pots excluded from IHT estate before April 2027 Improvements Tax-free lump sum redesigned with a native slider and prominent pound amount Investment scenario spreads default to a tighter ±0.5% Estimated State Pension shown as the primary figure, with today's value underneath "Spend the Surplus" modal has a clear dismiss button Onboarding currency fields no longer turn yellow or block input

Updated main chart. You can now delete a pension directly from the edit screen — no need to swipe. A confirmation step ensures nothing is removed by accident. State Pension deferral is now modelled using HMRC's official rate (1/9 of 1% per week). If you plan to claim later than your State Pension age, Isaac will show you the uplift automatically.