Pensionly

Most people finish their working life with pensions scattered across old employers, and no single place that says what they add up to. Pensionly is that place.

Add every pension you hold — workplace schemes, personal pensions, SIPPs and final-salary pensions — and see your total, what each one charges, and what your savings could be worth by the time you retire.

SEE EVERYTHING AT ONCE
One list, one total, and a clear picture of what you actually have.

UNDERSTAND WHAT YOU ARE PAYING
Pension charges are quiet and compound for decades. Pensionly shows each pot's annual charge next to what typical modern pensions charge, so you can see where yours sits.

EXPLORE WHAT IT COULD BE WORTH
A projection to your retirement age, in today's money or future pounds, with every assumption stated on screen and adjustable. Compare it against the PLSA Retirement Living Standards to see what that income would actually buy.

FIND PENSIONS YOU HAVE LOST
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 to keep track of every employer you are chasing.

SCAN A STATEMENT INSTEAD OF TYPING IT
Photograph a statement and Pensionly reads the figures on your phone, then shows them for you to check before anything is saved.

EVERYTHING STAYS ON YOUR PHONE
No account. No sign-up. No servers. Your pensions are stored in an encrypted database on your own device, and nothing you enter is ever uploaded — including the statement photos, which are read on the phone itself. This release ships without the INTERNET permission at all, so the operating system itself will refuse any network connection.

You can export an encrypted backup, protected by a passphrase only you know, and keep it wherever you keep important documents.

INFORMATION, NOT ADVICE
Pensionly gives factual information and generic guidance. It does not provide financial advice and never recommends a product, provider or transfer. Projections are illustrations based on figures you enter and assumptions shown on screen — not guarantees. Transferring a pension can mean losing valuable guarantees. If you are unsure what is right for you, speak to a regulated financial adviser or get free impartial guidance from MoneyHelper.