How it works

From scattered pensions to one clear plan.

Your employees’ pensions are spread across countries, employers and providers. MyPensionIQ brings them together for every employee, makes sense of them, and helps them plan — with nothing for HR to manage.

State pension
€91,000
Employer pension
€146,000
Private pension
€29,000
→
One employee’s view
€266,000
01
Launch

Offer it as a benefit.

You add MyPensionIQ to your benefits package. Employees get an invite and connect their state, employer and private pensions — across every country they’ve worked in, always with their consent.

→ Each employee connects in minutes, not hours.

02
Reconcile

We make sense of it.

Different countries. Different currencies. Different pension rules. MyPensionIQ aggregates and reconciles each employee’s information into one consistent view.

One currency. One timeline. One pension picture.

03
See

Every employee sees their retirement future.

Each employee knows what they’ve built — and what it could become — with projected retirement income across all their pensions.

What your employees see
€3,850
Projected income / month
€4,500
Target income / month
€650
Potential gap / month
Age 67
Projected retirement age
Illustrative example
04
Explore

Test different futures.

Retirement isn’t a single scenario. Employees change the variables and see what happens.

ChangeSee the impact
Retire earlierHow income changes
Contribute morePotential income increase
Change your targetWhether you're on track
Change drawdownHow long your money may last

Fewer pension questions landing on HR — employees explore their options themselves.

05
Act

Know what needs attention.

Employees see where to focus. HR sees how ready the workforce is.

✓
On trackYour projected income meets your target.
⚠
Potential gapYour projected income falls below your target.
↗
OpportunityA change today could improve your future position.

For HR: anonymous, aggregated readiness insight across your workforce — never individual records.

06
Stay current

Stay on track.

Pension pictures change over time. MyPensionIQ keeps every employee’s information and projections up to date — valuations, contributions and pension rules — with no admin for HR.

Connected→ Understood→ Planned→ Updated

Built for regulated, sensitive data

  • CSSF regulatory clearanceFor our non-advisory model in Luxembourg.
  • FCA authorisation in progressFor the United Kingdom.
  • Consent first, GDPR by designEmployees control every connection; employers see only anonymous groups.
  • Security leadership from day oneA fractional CISO and a data-risk officer, with external penetration testing.
  • No advice, no custody, no product salesWe inform and model. Decisions are made with licensed providers.

Banks and insurers: the same engine, under your brand

Offer your customers a complete, provider-neutral pension view inside your own app, without building the data and rules infrastructure yourself.

  • White-label web and app experience
  • Cross-border rules and forecasting included
  • Commercial terms discussed with each partner
Talk to our team

Give every employee a clear retirement plan.

One benefit for your whole international team. Anonymous insight for HR. Clarity for every employee.

Bring pension clarity to your team

Tell us about your company. We'll get back to you with how MyPensionIQ fits your workforce.

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