For Employees

The first pension you’ll actually enjoy using

How much you’ve got, what it will pay for and how to save for the lifestyle you want. Our user-friendly pension sits on your phone and provides clarity about your future.

With investments, your capital is at risk.

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A better kind of pension

With an intuitive interface and powerful tools, our app gives you  total visibility of all your savings to more easily manage your pension.

Get total visibility of your savings and take control of your pension

Project your retirement income

Seeing how much is in your pension pot is handy, but seeing what your annual income will be when you stop working gives you a clearer view of your future.

See your retirement lifestyle

Your Forecast gives a complete picture, by including the state pension and other personal pensions, clearly showing you what lifestyle you can expect in retirement.

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All your pensions in one place

Complete pension visibility

Most savers have several old pension pots collected from previous jobs. We make it simple to track down and combine old pensions in a few steps for complete visibility over all of your savings

Find lost pensions

Our Find My Pension tool has helped our customers track down lost pension pots worth millions of pounds. No more rooting through old paperwork. A few taps on our app and it’s done. Our tool offers savers the fastest way to find and combine their old pensions.

We'll do the paperwork

Once a pension transfer has been submitted, our transfers team will sort the rest – contacting the previous providers and taking care of the paperwork. Notifications keep you updated along the way, or check in on your transfer progress from your Penfold dashboard.

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It's important to compare providers’ fees and any guaranteed benefits when deciding on whether to transfer, and be sure that the investments available are suitable for you. If your employer is paying into your pension currently, transferring that pot may mean you lose out on their contribution.

Grow your wealth stress-free with easy to understand pension plans

Penfold is here to make things simple. We offer a selection of carefully selected plans, managed by leading money managers, that take the stress out of investing and make your pension as straightforward as possible.


Automatically adjusts investments to maximise early growth before protecting your pot as you approach retirement.

Lifetime plan


Make a positive impact on the world without sacrificing growth. Invests your money into companies with a high ESG rating.

Sustainable plan


Invest your money only into Sharia-compliant companies. All investments are approved by an independent Sharia committee.

Sharia plan


Complete control of your pension. Choose between four different risk levels - tailoring investments to fit your preferences and outlook.

Standard plan

With investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice and past performance is not a reliable indicator of future performance.

Demystifying the ‘P’ word

For too long pensions companies have put off potential savers by using jargon that very few people understand. That’s not us.

We provide free training and workshops so you can get the most value out of your most important benefit. There are no stupid questions – ask us anything!

Jargon-free pension support is only a message away. Our UK-based support team is available by phone or email, online or through company internal comms channels like Slack or Teams.

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One pension for life

Very few people stay with one company for all of their working life, which means you’re going to collect a few pensions along the way.

But ours is the one that can stay with you for a lifetime.

Every time you change jobs, transfer the pension you left behind into Penfold and have clarity about what you’re saving for retirement with everything in one place.

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Pension saver guides

Level up your pension knowledge

Everything you ever needed to know about pensions.

Visit our guides
News and insights

Reading to enrich you

We’re on a mission to make pensions and financial wellbeing less boring and complicated. Our blogs focus on clarity and inspiration instead, as jargon-free as possible.

Visit our blog

Thousands of happy pension savers

See what other people say about Penfold on Trustpilot

Get started in 5 minutes

1. Get a Penfold account by registering your details online or with our app.

2. Transfer an existing pension, or make a one-off or recurring payment (pause or adjust any time).

Done! Check savings progress, change investment plan and more with our app or online dashboard.

Get started now