All your pensionsIn one private place
Add every pension you hold and see the total, the charges you are paying and what it could be worth at retirement. Everything stays on your phone.
≈ £52,800
£100 a month for 30 years — 5% growth, shown after 2.5% inflation0
accounts to create
(there is no sign-up)0
servers holding your data
0
trackers and analytics
100%
stays on your phone
See it for yourself.
Not mockups — the shipping app, running with fictional providers and figures. Your pensions, in your pocket and nowhere else: yours stay on your phone, where nobody can see them.
Every pension you hold, in one place
See what every pot is quietly costing you
What it could be worth, assumptions shown
Add a new pension in under a minute
Trace pensions you have left behind
No account — nothing leaves your phone
Three questions, answered on one screen each.
How much will I have? Is that enough? What can I do about it? Most pension apps stop at the first. Every claim below is backed by the actual screen that does the work.
One number, honestly reached.
Add every pot and Pensionly projects your savings to retirement age — in today’s money or future pounds. The growth, inflation and contribution assumptions sit on the same screen, and every one of them is adjustable. No hidden maths and no promised returns: an illustration you can interrogate, not a forecast you have to trust.
A number you can actually interpret.
A projected pot means nothing on its own. Pensionly sets your projected retirement income against the PLSA Retirement Living Standards — the independent benchmarks for what retirement really costs — so “enough” stops being a guess. The standards figures are re-checked against the published source every tax year, and the date they were last verified is shown in the app.
Small changes, visible consequences.
Try £50 more a month and see what it could become by the time you retire. Check whether you’re taking the whole match your employer offers. See where higher-rate tax relief can go unclaimed, and where to claim it. Facts about your own figures, with the working shown — never instructions about what to do with them.
Nobody. By architecture, not by promise.
There is no account and no server. The database on your phone is encrypted with a key held in your phone’s secure hardware, and the Android release build ships without the INTERNET permission at all — the operating system itself refuses the connection. Your way out is an encrypted backup file that only your passphrase can open. That is a privacy claim you can verify, not one you have to take on trust.
And the rest of the box.
The everyday tools around the big three questions — each built under the same two rules: nothing leaves your phone, and nothing tells you what to do with your money.
Photograph a statement and the figures are read on your phone using the operating system’s own text recognition, then shown for you to check before anything is saved. The photo is never uploaded.
The average person works for eleven employers, and pots get left behind. A guided walkthrough of the government’s free Pension Tracing Service, plus a list of every employer you are chasing.
Charges are quiet and compound for decades. Each pot’s annual charge sits next to what typical modern pensions cost, and pots well above that line are flagged — with the arithmetic shown.
Export a backup file locked with a passphrase only you know, and keep it wherever you keep important documents. Restore it on a new phone and carry on — no account needed, ever.
Retire at 60, 65 or 67 — keep each plan as its own scenario and compare them properly, instead of nudging one set of sliders back and forth and losing where you started.
An optional home-screen widget shows how many pensions you track and whether your figures have gone stale. It never shows a provider, and never shows money unless you separately switch that on.
Built for the pension life you actually have.
Nobody's pension story is tidy. Pensionly meets each of these where they are — with facts about their own figures, never instructions.
Starting out
One workplace pension, probably on default settings. See what it is actually costing, watch what small early amounts compound into on the chart above — decades are your one big advantage — and check you are collecting the full employer match.
The job switcher
The average person works for eleven employers, and every move can strand a pot. Keep all of them in one list with one total, trace the ones that got lost with the government service, and see which old pot is quietly charging triple the modern rate.
Closing in on it
The question stops being "how much" and becomes "is that enough". Set your projection against the PLSA Retirement Living Standards, add your real State Pension forecast, and compare retiring at 60, 65 and 67 as saved scenarios, side by side.
Doing it yourself
No employer scheme, no auto-enrolment, nobody chasing you. Track the SIPP or personal pension you set up yourself, see the effect of paying in more in the months you can, and see where tax relief applies to every contribution you make.
An employer?
You already pay into their pensions — Pensionly is how your people finally look at them. If you want to put it in front of your team, we would like to hear from you.
Where this is going.
Retirement is the largest financial decision most people take with no dry run and no second chance. Pensionly starts as the place that keeps the score. It is being built to become the place you rehearse the decision — before you take it to whoever helps you execute it.
Retirement income, rehearsed
Tax-free cash, year-by-year drawdown and an annuity, illustrated side by side with their assumptions on screen. The arithmetic is already built and tested; the screens will follow once they meet the same standard of care as everything else in the app.
The government dashboard, made meaningful
When the MoneyHelper pensions dashboard launches, it will tell everyone what pensions they have. Pensionly is being built to import the data you choose to export from it — and be the layer that explains what it all means.
Planning as a household
Retirement is usually planned in pairs, and the PLSA publishes living-standard benchmarks for couples for exactly that reason. A household view is on the map, built on the same one-device, one-owner privacy model.
Stress tests, not smooth lines
One confident curve hides the biggest retirement risk: markets falling just as you stop earning. Honest ranges and bad-year stress tests are planned, because “in most futures this lasts” is more truthful than a single line.
No dates are promised — each of these ships when it is ready. Every one of them keeps the same two rules: nothing leaves your phone, and nothing tells you what to do with your money. Those lines don't move.
FAQs
We’ve got the answers
On your phone, and nowhere else. Everything you enter is written to an encrypted database on your own device, with the key held in your phone's secure hardware. Pensionly has no account, no servers and no analytics — we cannot see your pensions, your figures, or that you use the app at all, because there is nowhere for the data to go.
No. Pensionly gives factual information and generic guidance only. It never recommends a product, provider, fund or transfer, and projections are illustrations based on figures you enter, with every assumption shown on screen — not guarantees. If you are unsure what is right for you, speak to a regulated financial adviser or get free impartial guidance from MoneyHelper.
Pensionly is free. There is no subscription, no advertising and no in-app purchase.
No. Pensionly is not connected to any pension provider and cannot hold, move or access anyone's money. You enter the figures yourself — or photograph a statement and let the app read them on your phone — and Pensionly keeps a private record and shows you what it adds up to.
Pensionly walks you through the government's free Pension Tracing Service step by step, and keeps a list of every old employer you are chasing so nothing gets forgotten. It does not search any database itself — the government service is free, official, and works well; what most people lack is a guide and somewhere to keep track.
You can export an encrypted backup, protected by a passphrase only you know, and keep it wherever you keep important documents. Restore it on a new phone and carry on. Because there is no account, we cannot recover the passphrase — that is what makes the file safe, and what makes losing the passphrase final.
Still have questions?
Ask here — your message is emailed straight to us, and this site stores nothing at all.
Ask what the FAQs didn’t answer
How something works, whether your kind of pension fits, what the app does and does not do — if the answers above left a gap, this is where to ask.
Put it in front of your team
Employers: you already pay into their pensions. Write in and we will talk about helping your people actually look at them.
Tell us what we got wrong
A figure that looks off, wording that confused you, a pension type we handle badly — accuracy reports go straight to the top of the pile.
Every message is read by the person building this — and replied to from a real inbox.