FAQs
Asked, and answered.
Everything people ask about Pensionly, answered plainly — and where a question deserves a regulated adviser instead of an app, we say so.
A private pension tracker and planner for the UK. You add every pension you hold — workplace schemes, personal pensions, SIPPs — and Pensionly shows the total, what each pot charges, and what your savings could be worth by the time you retire. Everything stays on your phone.
On your phone, in an encrypted database, with the key held in your phone's secure hardware. There is no account, no server and no analytics. We cannot see your pensions or your figures — there is nowhere for the data to go.
No. Pensionly gives factual information and generic guidance only. It never recommends a product, provider, fund or transfer. Projections are illustrations based on figures you enter, with every assumption shown on screen — not guarantees. If you are unsure what is right for you, speak to a regulated financial adviser or get free impartial guidance from MoneyHelper.
Pensionly is free. No subscription, no advertising, no in-app purchases.
No. Pensionly is not connected to any provider and cannot hold, move or access anyone's money. You enter the figures yourself, or photograph a statement and the app reads it on your phone.
It walks you through the government's free Pension Tracing Service step by step and keeps a list of every old employer you are chasing. It does not search any database itself — the official service is free and works; what most people lack is a guide and somewhere to keep track.
Photograph a statement and the figures are read on your phone using the operating system's own text recognition — Apple Vision on iPhone, Google ML Kit on Android. You review and correct everything before it is saved. The photo is never uploaded.
You can export an encrypted backup protected by a passphrase only you know, and restore it on a new phone. Because there is no account, we cannot recover the passphrase — that is what makes the file safe, and what makes losing the passphrase final.
Pensionly is coming soon to the App Store and Google Play, for iPhone and Android. If you would like to hear when it is out, send us a note through the contact form on this site and we will reply when it launches.
No, and deliberately so: Pensionly only provides factual information and generic guidance, which does not require authorisation. It never gives personal recommendations. Anything that would cross that line — like telling you which pension to pick or whether to transfer — is exactly what a regulated financial adviser is for, and the app will point you to MoneyHelper and the FCA register instead.