We are the world's
first RetireTech

We have set the standard for the future of pensions by perfecting the formula for fair, sustainable, and affordable lifetime income.

What we do

TontineTrust is an award-winning fintech/fiduciary institution building a platform for issuing and operating tontine-style Pan-European Personal Pensions (PEPPs).

We are using distributed ledger technology and automation to create the next-generation lifetime income pension. The pensions are managed through our patent-pending robo-actuary system that guarantees the financial sustainability of the tontines and constantly makes micro-adjusted payout updates based on investment performances and the remaining longevity of the members inside each pool.

By working with consumer advocacy organisations, we are already setting new standards for pension excellence amongst savers by using state-of-the-art technology to enable a simpler, safer, transparent low-fee lifetime income pension.

Tontine trust, the future of pensions

How TontineTrust came to be

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

Our goals

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.

Turn savings accounts into lifetime incomes that rise over time

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

Let retirees benefit from taking better care of their health

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

Who we work with..

Company core values


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


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

How it's going

After three years of research and development, TontineTrust has solved the problem and is now bringing the solution to savers and partners through our award-winning platform, which issues and operates tontine pensions.

Following the launch of the MyTontine Pension, our PEPPs-as-a-Service platform will enable tontines to be offered by governments and organisations.