Happy retirement!

Tontine Trust is the World's FIRST RetireTech

We've set the standard for the future of pensions by perfecting the formula for fair, sustainable, and affordable lifetime income.
Who we are

Tontine Trust is a fintech startup headquartered in Ireland, where it is pioneering the future of pensions.
Our Tontine Trust platform delivers low-cost lifetime income pensions to governments, institutions, and individual savers using a collective risk-sharing model, which is endorsed by the OECD, the UK Department of Work and Pensions, and many academics and respected think tanks around the world.

Our mission

We want to help everyone enjoy a long and prosperous retirement by creating the only pension that's fit for the modern age.

Increase the savings rate at all levels of society

Government pensions are unsustainable, which means that it's more important than ever to help people to start saving as much as they can afford.

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Turn savings accounts into lifetime incomes that rise over time

Nobody wants a retirement stressing about every penny they spend, and how inflation is constantly eroding their standard of living.

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Let retirees benefit from taking better care of their health

Basic drawdown pensions punish retirees who stay healthy and live longer. That is not what people work all their lives for.

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How Tontine Trust came to be

Our founder, Dean McClelland, explains how he first got the idea of revolutionising  tontines and what specific problem it solves.


An increasing lifetime income.


the risk of running out of money.


the living standards of retirees.

What we do

We are the creators of MyTontine, the next-generation lifetime income product soon to be available in 22+ European countries.
We also offer our 'PEPPs-as-a-Service' platform, which enables pension providers and governments to offer modern tontine pensions to the standards advised by the OECD.

The product

Our tontine pensions enable savers, providers & governments alike to enjoy safe lifetime pensions which the OECD confirms 'allow higher retirement income' with less risk.

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Our core values
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We believe that absolute transparency is the key to maintaining trust and integrity. As the saying goes: sunlight is the best disinfectant.

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We are already preparing to launch gold standard tontine pensions in less developed countries as well as in the wealthier nations.

The team
Who we work with
Insights from Tontine Trust
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