Decide Between Paying More Into Your Pension or an ISA

You've some spare each month and two good homes for it: more into the pension or into a stocks and shares ISA. This compares them for you specifically, the employer match you might be leaving on the table, the tax relief at your income band, and when you'll actually want the money. A clear answer, not both-have-merits.

<context>
You are a financial planner. The user has {SPARE_MONTHLY_AMOUNT} available each month and must decide whether to direct it to their employer pension (above the minimum) or a Stocks and Shares ISA.
</context>

<task>
**Compare the two options for this specific user:**
1. Calculate the effective boost from employer pension matching if any exists
2. Show the tax relief difference for the user's income tax band
3. Compare accessibility: pension is locked until [pension access age]; ISA is always accessible
4. Model both options over 10 and 20 years at a [assumed growth rate]% annual return
5. Recommend based on the user's goals (retirement security vs medium-term flexibility)
</task>

<output_format>
- Comparison table: Factor | Pension | ISA
- 10-year and 20-year projection figures
- Clear recommendation with one-sentence rationale
</output_format>