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Pensions for women.
Finally.

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.

Start building your financial future

40% of women in Ireland don’t have a pension. Not because we aren’t thinking long-term –– but because the average pension is difficult to access, understand, and maintain. Penny was built to change that.

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.

Fully yours to own

A PRSA is portable, independent of any employer, and moves with you through every job, business, or career break.

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

Penny is built to be flexible –– contribute what works for you and adjust whenever life changes.

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

Set up in minutes

Sign up for Penny in just a few clicks. Your pension will be live in 24h, and managed entirely from your phone.

Let's talk

Pulling back the curtain

Pensions are simpler than the industry makes them seem.

Strip everything back, and you’re looking at a structure that lets your money compound over time — with tax advantages built in. Penny exists to make it work for how women actually live.

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.

Your pension moves with you

Most traditional pensions are tied to employers or rigid schedules. A PRSA is portable and fully yours –– through job changes, career breaks, or starting a business.

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.

Your pension moves with you

Most traditional pensions are tied to employers or rigid schedules. A PRSA is portable and fully yours –– through job changes, career breaks, or starting a business.

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.

You don’t need to start big

The biggest advantage a pension has is time. Starting earlier, even with small contributions, gives compounding more years to work in your favour.

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.

You don’t need to start big

The biggest advantage a pension has is time. Starting earlier, even with small contributions, gives compounding more years to work in your favour.

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.

It’s not just about retirement

You might think a pension as distant and ignorable. But it’s what lets you take the leap, leave the situation, start the business, or step back — knowing your future is covered.

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.

It’s not just about retirement

You might think a pension as distant and ignorable. But it’s what lets you take the leap, leave the situation, start the business, or step back — knowing your future is covered.

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.

You shouldn't need a financial degree

The industry loves to tell women to ‘educate themselves’ –– but you wouldn’t learn to build a house before hiring an architect. Pensions are no different. Penny handles the complexity so you don't have to.

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.

You shouldn't need a financial degree

The industry loves to tell women to ‘educate themselves’ –– but you wouldn’t learn to build a house before hiring an architect. Pensions are no different. Penny handles the complexity so you don't have to.

We've done our homework

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

Pensions built for the real world

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
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

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

Your future shouldn't wait.

Get started with Penny today.

Join Penny

The story behind Penny

Inspired by Penelope’s long game — and the playbook women were never given.

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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.