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Pensions for women.
Finally.

Join Penny

Join Penny

Businesswoman in a sleek black suit reclining in a modern chrome chair, set against a wooden cabinet with minimalist decor, exuding a relaxed and confident vibe.
Businesswoman in a sleek black suit reclining in a modern chrome chair, set against a wooden cabinet with minimalist decor, exuding a relaxed and confident vibe.

The pension you *actually* asked for

Research-backed, Penny is designed for every woman’s financial independence. Penny is tripled regulated and always in your corner.

Get started

Get started

Penny in your pocket

Close-up of a hand holding a small patterned box with two freshly baked cinnamon rolls dusted with powdered sugar, resting on a smartphone.

Pensions designed for women *finally*

Built for flexibility, clarity, and real financial journeys. Plus financial education to boost confidence. Ding ding.

Smartphone with a yellow fabric wallpaper displayed on the lock screen, placed on a textured brown and pink surface with metallic accents, connected to a charging cable.

Starting at €1 a day

Life changes, like all the time, and your pension should too. Add what you can, when you can. It’s that simple.

Businesswoman in a black suit enjoying a fresh salad while checking her smartphone, seated at a glossy black desk in a modern office setting.

100% in your corner

No paperwork, no stress (there's enough of that in life anyway) — we set you up in 24 hours and you manage everything from your phone. Nice.

Let's talk

Let's talk

Let's talk

The real story

Truth: Most women retire with less than men. The reason? Lower pay, career breaks, leaving it too late and a broken system.

But we can change the story.

Start – it's free

Start – it's free

Start – it's free

Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.
Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.
Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.

“I don’t know where to start.”

Who do you even go to for a pension? Who can you trust for advice? It’s confusing. We know. But Penny makes it simple. We give you clear guidance so you know exactly what to do and where to start.

Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.

“I don’t know where to start.”

Who do you even go to for a pension? Who can you trust for advice? It’s confusing. We know. But Penny makes it simple. We give you clear guidance so you know exactly what to do and where to start.

Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.

“What if I can’t afford it?”

Pensions can feel like a big (and expensive) commitment. We get it. But with Penny, you can start small and adjust as life changes. Future you will thank you (and us).

Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.

“What if I can’t afford it?”

Pensions can feel like a big (and expensive) commitment. We get it. But with Penny, you can start small and adjust as life changes. Future you will thank you (and us).

Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.

“What if I get it wrong?”

You will sometimes, and that’s okay. Pensions are complex, and women are often told they don’t know enough to handle them. That’s BS. We give you the knowledge and support you need to make confident choices.

Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.

“What if I get it wrong?”

You will sometimes, and that’s okay. Pensions are complex, and women are often told they don’t know enough to handle them. That’s BS. We give you the knowledge and support you need to make confident choices.

Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.

“What’s in it for me?”

Well, a pension isn’t just savings — it’s security and freedom. Sorting it now means more choices (and more fun) later. It means staying independent, living life on your terms, and never having to rely on anyone else. Pretty nice, right?

Person wearing a blue striped shirt walking through a doorway, carrying a large white tote bag with the word 'Finally' and a Penny logo icon printed on it
Tablet on a wooden surface displaying the Penny pension calculator interface, showing savings and retirement amount inputs, partially covering a piece of paper with handwritten notes.
Person lying on a bed reading a book, with a white tote bag nearby, alongside a digital interface from Penny displaying pension calculation options with adjustable savings and retirement amounts
Businesswoman in a black suit seated on a yellow chair, looking contemplative, next to a digital interface displaying 'Clarity Call' options from Penny, including a 'Book Call' button and 'Start Application' option.

“What’s in it for me?”

Well, a pension isn’t just savings — it’s security and freedom. Sorting it now means more choices (and more fun) later. It means staying independent, living life on your terms, and never having to rely on anyone else. Pretty nice, right?

Why Penny

"Mobile interface of the Penny platform displaying a congratulatory message 'You are Penny ready!' for Emily, along with a contributions summary showing total pension contributions of €12,452, including company and employee contributions, next to a joyful businesswoman in a modern office setting.
Mobile interface of the Penny platform displaying a user's retirement goal with the statement 'I want to be comfortable in retirement', current pension pot of €22,090, and retirement goal of €75,000, alongside a joyful businesswoman in a modern office setting.
Mobile interface of the Penny platform featuring a welcome message, a joyful businesswoman in a modern office, and certification badges from the Central Bank of Ireland and B Corporation, highlighting the platform’s credibility and commitment to sustainable practices.
Mobile interface of the Penny platform featuring a welcome message, a quote about women's financial challenges, and an article titled 'Women: the real masters of money', with a photo of a joyful businesswoman in a modern office setting.

Research-backed

Triple regulated

For every woman

Design-led

Backed by global research, we’ve designed a fully independent, stress-free pension that’s super easy to manage. And it’s built entirely around women’s financial needs. You can thank us later.

"Mobile interface of the Penny platform displaying a congratulatory message 'You are Penny ready!' for Emily, along with a contributions summary showing total pension contributions of €12,452, including company and employee contributions, next to a joyful businesswoman in a modern office setting.
Mobile interface of the Penny platform displaying a user's retirement goal with the statement 'I want to be comfortable in retirement', current pension pot of €22,090, and retirement goal of €75,000, alongside a joyful businesswoman in a modern office setting.
Mobile interface of the Penny platform featuring a welcome message, a joyful businesswoman in a modern office, and certification badges from the Central Bank of Ireland and B Corporation, highlighting the platform’s credibility and commitment to sustainable practices.
Mobile interface of the Penny platform featuring a welcome message, a quote about women's financial challenges, and an article titled 'Women: the real masters of money', with a photo of a joyful businesswoman in a modern office setting.

Research-backed

Triple regulated

For every woman

Design-led

Backed by global research, we’ve designed a fully independent, stress-free pension that’s super easy to manage. And it’s built entirely around women’s financial needs. You can thank us later.

"Mobile interface of the Penny platform displaying a congratulatory message 'You are Penny ready!' for Emily, along with a contributions summary showing total pension contributions of €12,452, including company and employee contributions, next to a joyful businesswoman in a modern office setting.
Mobile interface of the Penny platform displaying a user's retirement goal with the statement 'I want to be comfortable in retirement', current pension pot of €22,090, and retirement goal of €75,000, alongside a joyful businesswoman in a modern office setting.
Mobile interface of the Penny platform featuring a welcome message, a joyful businesswoman in a modern office, and certification badges from the Central Bank of Ireland and B Corporation, highlighting the platform’s credibility and commitment to sustainable practices.
Mobile interface of the Penny platform featuring a welcome message, a quote about women's financial challenges, and an article titled 'Women: the real masters of money', with a photo of a joyful businesswoman in a modern office setting.

Research-backed

Backed by global research, we’ve designed a fully independent, stress-free pension that’s super easy to manage. And it’s built entirely around women’s financial needs. You can thank us later.

Learn more

Learn more

Learn more

Proof we're doing good

Penny app on a smartphone showing pension calculation settings, placed on a pink napkin.
Penny app on a smartphone showing pension calculation settings, placed on a pink napkin.

We switched to Penny because we needed something that made sense for our business. No nonsense, no hidden fees—just a solid, scalable pension solution that works. It’s like pensions finally caught up with the real world.

Head of People

Digital Agency

We switched to Penny because we needed something that made sense for our business. No nonsense, no hidden fees—just a solid, scalable pension solution that works. It’s like pensions finally caught up with the real world.

Head of People

Digital Agency

We switched to Penny because we needed something that made sense for our business. No nonsense, no hidden fees—just a solid, scalable pension solution that works. It’s like pensions finally caught up with the real world.

Head of People

Digital Agency

Bright yellow tote bag with the text "Next stop: somewhere sunny" and a Penny logo
Bright yellow tote bag with the text "Next stop: somewhere sunny" and a Penny logo
Hand holding a smartphone displaying the Penny app's recommendation for a Zurich Standard PRSA plan
Hand holding a smartphone displaying the Penny app's recommendation for a Zurich Standard PRSA plan

Penny has completely transformed how we handle pensions for our employees.  Our team loves it, and so do we!

Managing Director

Architectural Practice

Penny has completely transformed how we handle pensions for our employees.  Our team loves it, and so do we!

Managing Director

Architectural Practice

Penny has completely transformed how we handle pensions for our employees.  Our team loves it, and so do we!

Managing Director

Architectural Practice

Woman in a denim shirt drinking water while sitting at a desk with a keyboard and phone
Woman in a denim shirt drinking water while sitting at a desk with a keyboard and phone

Penny gets it. No jargon, no convoluted processes—just an easy way to save for the future without overthinking it.

Maria 33

Occupational Therapist

Penny gets it. No jargon, no convoluted processes—just an easy way to save for the future without overthinking it.

Maria 33

Occupational Therapist

Penny gets it. No jargon, no convoluted processes—just an easy way to save for the future without overthinking it.

Maria 33

Occupational Therapist

We value you.
Literally.

And you should too.
Sign up for Penny now so we can get going.

Join Penny

Join Penny

Join Penny

The Penny Story

Or if you’re into reading (who isn’t), read up on why Penny is changing the game.

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Penny Life trading as This is Penny is regulated by the Central Bank of Ireland

© 2025, Penny Life. All Rights Reserved.

About

Purpose

Mission

Values

Customer Care

Contact us

FAQ

Social

Instagram

LinkedIn

Spotify

Legals

Terms of Business

Remuneration

Privacy Policy

Cookie Policy

Penny Life trading as This is Penny is regulated by the Central Bank of Ireland

© 2025, Penny Life. All Rights Reserved.

About

Purpose

Mission

Values

Customer Care

Contact us

FAQ

Social

Instagram

LinkedIn

Spotify

Legals

Terms of Business

Remuneration

Privacy Policy

Cookie Policy

Penny Life trading as This is Penny is regulated by the Central Bank of Ireland

© 2025, Penny Life. All Rights Reserved.