Wherever you are
in your career, we meet you there.
myPensionIQ isn't built for one type of saver — it's built to grow with you, from your first payslip to the year you retire.
What changes as you get closer to retirement.
Starting out, and often changing jobs
Your retirement savings are probably scattered across a first employer scheme, maybe a second, and a state pension you've never really looked at. At this stage, the goal isn't optimisation — it's awareness. myPensionIQ shows you what you already have and what a small, early habit is worth over 30+ years.
Multiple schemes, growing responsibilities
By now you likely have several pension schemes from different employers, maybe a private plan, and increasing financial responsibilities. myPensionIQ aggregates everything into one place and starts forecasting seriously — so decisions about saving more, changing jobs, or buying property are made with the full picture in view.
Approaching retirement, wanting clarity
The questions get concrete: how much income will I actually have, and is it enough? myPensionIQ runs detailed scenario planning and gap analysis at this stage — modelling different retirement ages, drawdown patterns, and what closing any shortfall would take.
Two situations that don't fit neatly on a timeline.
Planning retirement as a household, not two separate people
Most retirement tools only ever show one person's picture. myPensionIQ builds a household dashboard — combining both partners' pensions into one shared forecast, with joint goals and one household Retirement Health Score.
Building retirement rights across more than one country
Luxembourg alone has over 220,000 cross-border workers, many building pension entitlements in two or three jurisdictions at once. myPensionIQ consolidates these into a single cross-border view, so nothing gets lost between systems.