AI Retirement Intelligence · Launching in Luxembourg
myPensionIQ brings every pension you have — state, employer, private, investments, insurance — into a single dashboard, then uses AI to show you where you actually stand and what to do next.
Independent & provider-neutral — we never recommend or sell pension products.
Europe's retirement challenge
Most people hold pension savings across several providers with no single view of where they stand. As governments shift more responsibility onto individuals, that blind spot gets more expensive.
Europe's 65+ population is projected to grow from ~21% today to nearly 32% by 2100.
Longer lifespans mean more years in retirement, straining public pension systems.
Luxembourg alone has 220,000+ cross-border workers building rights across several systems.
People expect digital, mobile-first finance — but retirement planning is still paper-based.
See it for yourself
For illustrative purposes — sign up for full accuracyAdjust the numbers to match your situation. Your score updates instantly — this is the same kind of insight your myPensionIQ dashboard will give you automatically, from real accounts instead of estimates.
Nothing here is saved until you register.
Gross, pre-tax. Use combined household income if planning with a partner.
Total across all retirement accounts today.
Include employer match, if any.
Monthly housing, utilities, groceries, insurance, minimum debt.
Cash reachable within 48 hours. Leave at €0 if unsure.
Expected monthly benefit. Leave at €0 to estimate from income.
Sets your assumed growth rate.
Share of current income to replace in retirement.
A single number, 0–100, estimating how prepared you are for retirement.
We project how your current savings grow between now and your target retirement age, using your contributions and chosen growth rate. We compare that against what you'd need saved to support your desired income each year in retirement, after state pension. Your score is your projected savings as a percentage of that goal, capped at 100.
It's an estimate, not a guarantee — treat it as a compass, not a verdict. myPensionIQ's actual dashboard replaces these sliders with your real, connected accounts.
This tool provides a general estimate for educational purposes and isn't personalized financial advice.
How it works
Create an account and complete a short retirement profile.
Link pension accounts securely or upload existing statements.
Get a complete view of your retirement wealth and projected income.
Explore forecasts, scenarios and gaps tailored to your situation.
myPensionIQ monitors progress and alerts you when something changes.
Go deeper
See it in action
Dashboard mockups, AI forecasting, gap analysis, and every capability in the platform.
Explore the product →Find your stage
How myPensionIQ helps young professionals, established professionals, pre-retirees, families, and cross-border workers.
See who it's for →For employers & HR teams
Give employees their own dashboard while HR gets aggregated, anonymised retirement analytics — never individual data.
Explore the enterprise platform →Independent, always
See exactly what myPensionIQ does and doesn't do with your data — and why we stay provider-neutral.
Read how we stay neutral →From the blog
Short reads on why starting early matters, how pensions actually work, and what to watch for wherever your career takes you.
The math behind compound growth means a small amount now can outgrow a much bigger amount started later. Here's what that actually looks like in numbers.
Getting startedDelaying feels harmless in your 20s. We break down what a decade's delay actually costs by the time you retire — and why it's more than you'd think.
BasicsA plain-language glossary of the pension and retirement account terms you'll actually run into in Europe, without the legal jargon.
Planning"75% of your income" is the common rule of thumb — but it depends heavily on where you live. A country-by-country look at what that number really means.
Cross-borderCross-border careers are common in Luxembourg and beyond — but pension rights don't always follow you automatically. Here's what to check before you move.
PlanningFrom underestimating inflation to forgetting about old employer schemes, these are the quiet gaps that catch people off guard decades later.
Expanding across Europe
myPensionIQ launches first in Luxembourg, then expands into France and Belgium, followed by the Netherlands and Germany.
Join the waitlist and be first to consolidate your retirement when myPensionIQ launches.
No spam. No product pitches. Just a note when we launch.