A smarter pension benefit. A stronger employee proposition.

Give every employee clarity over their financial future, wherever they’ve worked.

MyPensionIQ brings state, workplace and private pensions together across borders, helping employees understand their retirement outlook and plan with confidence. Employers gain a meaningful financial wellbeing benefit and anonymous, aggregated workforce insights — without accessing individual pension records.

Anna, 41Works in Luxembourg
LUEmployer pensionCurrent job€82,000
FRState pensionPrevious job in France€91,000
UKPrivate pensionFrom her years in London€37,000
€3,200 / month
Projected at 65, all pensions combined
72/ 100

Pensions are a retention benefit most staff don't understand.

Employers already pay for the benefit. Research across Europe shows employees can't see what it's worth.

What your company gets

1

A benefit staff can see and value

Every employee sees their employer pension next to state and private pensions from every country they've worked in, and what it all adds up to.

2

Fewer pension questions to HR

Penny, our AI assistant, answers cross-border pension questions in plain language and alerts employees when a rule change affects them.

3

Anonymous readiness insight

See workforce readiness, projected income replacement and cross-border exposure by cohort, to support retention and benefit decisions.

HR never sees an individual's pension data. Employees consent before any source is connected, and insight is shown only for groups large enough to stay anonymous.

From scattered pensions to one clear plan

Connect

Employees add their pensions in a few minutes. MyPensionIQ asks permission before it fetches or checks any source.

Understand

Our engine applies each country's rules and runs thousands of simulated market futures to forecast retirement income.

Act

Scenarios, gap alerts and drawdown planning show what could close the gap. The decision always stays with the employee.

State, employer, private and propertyRules for 8 countriesMonte Carlo forecastsRetirement ScoreDrawdown sequencingPenny AI alerts

Bring pension clarity to your team

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