The first pension you’ll actually want to check
We’ve built a pension that’s clear, easy to use, and made for modern life. You can check your balance anytime, see what your future income could be, and even adjust your savings – all from our app.
With investments, your capital is at risk.
A pension that works for you
- You pay in – and your employer does too: The more you contribute, the more you get.
- Save on tax with salary sacrifice: You pay less NI and keep more of your take-home pay.
- Everything in one app: Track your savings, set goals and stay on top of your future.
- It’s your pension for life: Take it with you, even if you change jobs.
Track your savings, know your future
Penfold helps you see not just how much you’ve saved—but what it could mean for your retirement.
- Your Forecast shows your projected income and lifestyle
- Goal setting helps you stay on track
- Dashboards show your contributions, growth, and employer top-ups in real-time
Already have other pensions?
You can track down and combine old pots into Penfold—giving you one clear view of your retirement savings.
- Use our Find My Pension tool
- We’ll handle the paperwork
- You’ll get updates in the app as transfers happen
It's important to compare providers’ fees and any guaranteed benefits when deciding on whether to transfer, and be sure that the investments available are suitable for you. If your employer is paying into your pension currently, transferring that pot may mean you lose out on their contribution.
Choose how your money’s invested
Penfold gives you control. Pick a plan that suits your values and risk level (including Sustainable and Sharia options). See where your money is invested. Change strategy at any time.
Penfold
Our default plan offers 100% FSCS protection, pursues sustainability goals and is custom built to help boost your pension pot.
Sustainable
Make a positive impact on the world without sacrificing growth. Invests your money into companies with a high ESG rating.
Sharia
Invest your money only into Sharia-compliant companies. All investments are approved by an independent Sharia committee.
Standard
Complete control of your pension. Choose between four different risk levels - tailoring investments to fit your preferences and outlook.
With investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice and past performance is not a reliable indicator of future performance.
Demystifying the ‘P’ word
For too long pensions companies have put off potential savers by using jargon that very few people understand. That’s not us.
We provide free training and workshops so you can get the most value out of your most important benefit. There are no stupid questions – ask us anything!
Jargon-free pension support is only a message away. Our UK-based support team is available by phone or email, online or through company internal comms channels like Slack or Teams.
Level up your pension knowledge
Everything you ever needed to know about pensions.
Reading to enrich you
We’re on a mission to make pensions and financial wellbeing less boring and complicated. Our blogs focus on clarity and inspiration instead, as jargon-free as possible.
