PLEASE NOTE THIS APP IS CURRENTLY BEING UPDATED TO REFLECT THE 2011/12 TAX YEAR CHANGES. Time to Act is a hazy look into your future. Ok, it’s a pension App! but it’s a pretty good one all the same. We know it’s not the most exciting subject in the Appstore but if you want to know a little more about what your retirement could look like, then this is definitely worth a look. Features include: An ‘extra money’ calculator that will show you the value of any employer.