Jarvis

What Jarvis does

Jarvis (legal entity: Pension Jar Limited, Companies House registration 14344139) is a UK-based pension fintech founded in 2022 and headquartered at 80 Cheapside, London. The company operates a mobile-first pension platform serving two distinct customer bases: individual consumers (contractors, freelancers and self-employed workers) via a self-serve iOS/Android app, and employers (SMEs, umbrella companies and recruitment agencies) via a sales-assisted workplace pension product. Jarvis is FCA-authorised (firm reference 984773) as an appointed representative of P1 Investment Services Limited, with customer funds held by SECCL (part of the £12B Octopus Group) and managed by BlackRock and Vanguard.

The platform's core products are the Jarvis Lifetime Pension (a portable account consolidating workplace and personal pensions), the Jarvis Workplace Pension (auto-enrolment scheme with API-driven payroll integrations and automated compliance), and the Jarvis Personal Pension (for contractors and self-employed users). Supporting modules include a Retirement Calculator, a Pension Tracing Service targeting the estimated £26.6B in unclaimed UK pension savings, a SMART Salary Sacrifice scheme manager, and a Salary Sacrifice Calculator. The platform integrates natively with ten payroll systems — Xero, Sage, QuickBooks, BrightPay, FreeAgent, IRIS Staffology, MoneySoft, Octopaye, Kintec and Finity — via an API documented at docs.getjarvis.app, eliminating manual uploads and supporting multiple payroll frequencies and variable contributions.

Revenue is generated primarily through subscription-based workplace pension management fees charged to employers (monthly billing, with publicly undisclosed price points) and individual pension management fees structured as recurring charges. Free tools (retirement calculator, salary sacrifice calculator) serve as top-of-funnel acquisition mechanisms. The company raised £1.8M in seed funding in July 2024 co-led by Ascension VC and Cornerstone VC with participation from Tokio Marine Future Fund, and currently operates with 1-10 employees under founder and CEO Royden Greaves (15 years of wealth management experience).

Name

Jarvis

Legal name

Pension Jar Limited

Website

https://getjarvis.app

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Jarvis (Pension Jar Limited) is a UK-based pension fintech offering a mobile-first Lifetime Pension platform for contractors and self-employed workers, alongside a workplace pension product for SMEs featuring API-driven payroll integrations across ten systems and FCA-authorised fund custody via SECCL.

Ownership category

akta.pro rank

Product category

Pension Management

NAICS

Portfolio Management and Investment Advice (52394), Pension Funds (525110), Insurance and Employee Benefit Funds (5251)

SIC

Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF)

akta.pro secondary industries

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Workplace pensions
• Personal pensions
• Retirement planning
• Pension management
• Auto-enrolment pensions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Workplace Pension Management Fees: Jarvis charges employers for workplace pension scheme management, including contribution processing, compliance reporting, and employee enrollment. The platform supports multiple payroll frequencies and variable contributions with transparent fee structures.
2. Individual Pension Management: Individual users can set up and manage personal pensions through the app. Revenue may come from management fees on pension pots and potential premium features.
3. Salary Sacrifice Calculator Tool: Free salary sacrifice calculator tool for SMEs that helps businesses calculate potential savings, potentially driving adoption of the paid workplace pension platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Jarvis provides a mobile-first pension management platform offering three core pension products: a Workplace Pension for employers (with auto-enrolment, API-driven payroll integration, salary sacrifice, and automated FCA compliance reporting), a Personal Pension for self-employed individuals and contractors, and a Lifetime Pension that consolidates workplace and personal pensions into a single portable account. The platform is accessed via a self-serve iOS/Android mobile app and includes retirement projection calculators, lost-pension tracing, and partner-based joint retirement planning tools.

Product overview

Jarvis is a pension fintech platform offering a unified portfolio of pension products designed for the modern workforce, including self-employed individuals, contractors, and employers. The core offering consists of the Jarvis Lifetime Pension (a portable pension consolidating workplace and personal pensions), the Workplace Pension (auto-enrolment scheme with API-driven payroll integration), and the Personal Pension (for contractors and self-employed users). These are complemented by a mobile app providing retirement planning tools, a Pension Tracing Service for finding lost savings, a Retirement Calculator for retirement projections, and a Salary Sacrifice Calculator for businesses. The platform integrates with multiple payroll software systems and provides API connectivity for seamless employer pension management.

Differentiator

Problem solved

Functional benefit

Products and services

• Jarvis Lifetime Pension A unified, portable pension account that consolidates workplace and personal pensions into a single pot, designed to persist across career changes spanning self-employment, permanent employment, and contracting. For UK individuals seeking a single view of retirement savings regardless of employment pattern.
• Jarvis Workplace Pension An auto-enrolment workplace pension scheme for UK employers, featuring API-driven payroll integration, real-time dashboards, automated FCA compliance reporting, SMART Salary Sacrifice administration, and support for multiple payroll frequencies and variable contributions. For SMEs, umbrella companies, and recruitment agencies employing modern, flexible workforces.
• Jarvis Personal Pension A personal pension offering designed for UK contractors and self-employed individuals, enabling retirement planning with real-time income projections, simplified pension management, and adjustable investment profiles. Used by individuals outside traditional employer-sponsored schemes.
• Jarvis Mobile App A native iOS and Android mobile application providing retirement planning tools including a retirement calculator that predicts retirement date and projected monthly income, pension consolidation capabilities, and in-app chat support. For individual users self-serving into Jarvis pension products.

Quantifiable outcome

• SMEs could save up to £15,150 annually in National Insurance contributions through implementing salary sacrifice schemes
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered core, major and minor.

• FinitycoreTechnology or Integration · 20 March 2025Finity is a payroll platform partner that provides integration with Jarvis's workplace pension solution. This partnership enables seamless payroll data reconciliation for employers using Jarvis.
• SECCL (Octopus Group)coreTechnology or IntegrationSECCL is the independent custodian for Jarvis's pension platform. Part of Octopus Group, a £12 billion group of companies. Processes more than 2 million transactions every week and sits at the cutting edge of financial advice and technology.
• BlackRock and VanguardmajorTechnology or IntegrationLeading investment managers partnered with Jarvis to manage customer pension funds. Jarvis is 'discerning' in selecting partners, working with top-tier investment managers for customer fund management.
• Marriott HarrisonmajorImplementation/ SI/ Consulting PartnerLegal partner comprised of Legal500 lawyers and a leading London specialist in investment law. Provides legal excellence and expertise for the platform.
• Qdos ContractorminorGTM or Marketing PartnerQdos Contractor simplifies contracting with insurance, IR35 solutions, and compliance support. Partnering with Jarvis Lifetime Pensions to empower flexible workers to achieve financial security.
• Anna MoneyminorGTM or Marketing PartnerAnna Money streamlines business admin with smart banking and accounting tools. Partnering with Jarvis empowers Contractors to reduce financial hassle and reclaim valuable time.
• SonovateminorGTM or Marketing PartnerSonovate unlocks working capital with fast, flexible invoice financing. Partnering with Jarvis empowers contractors and businesses to focus on growth, not cashflow worries.
• This is MoneyminorGTM or Marketing PartnerThis is Money offers expert financial insights and market news. Partnering with Jarvis helps members stay informed, make savvy decisions, and navigate the complex financial landscape.
• P1 Investment Services LimitedcoreStrategic or Co-development PartnerP1 Investment Services Limited is the principal firm for which Jarvis is an appointed representative. Authorized and regulated by the FCA under firm reference number 752005. This regulatory relationship enables Jarvis to operate as a pension provider.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• PensionBee: UK pension consolidator offering a direct-to-consumer app to combine old workplace pensions into one plan. Directly comparable to Jarvis's Lifetime Pension and pension tracing proposition, though PensionBee focuses on consolidation of existing pots rather than ongoing self-employed contributions.
• Penfold: UK digital pension provider targeting self-employed professionals and contractors — essentially Jarvis's primary ICP. Both offer personal pensions via a mobile app with modern UX, real-time projections and auto-contributions; Penfold is a more direct competitor in the personal pension slice.
• Smart Pension: UK workplace pension auto-enrolment platform serving SMEs and master trusts. Competes head-to-head with Jarvis's Workplace Pension product on payroll integration, employer dashboards and auto-enrolment compliance, with a broader institutional footprint.
• Cushon: UK workplace savings and pension platform combining auto-enrolment with salary sacrifice, savings and financial wellbeing — overlapping directly with Jarvis's SMART Salary Sacrifice and workplace pension proposition for SMEs.

Broad incumbents

• NEST (National Employment Savings Trust): UK government-backed workplace pension scheme with millions of members; sets the default benchmark for auto-enrolment compliance and contribution processing that Jarvis must match or exceed to win employer deals.
• NOW Pensions: One of the original UK master trust workplace pension providers competing for employer mandates. A traditional incumbent Jarvis must displace to grow its workplace scheme AUM.
• The People's Pension: Large UK not-for-profit master trust workplace pension scheme, a default choice for many SMEs and a direct competitor in employer auto-enrolment deals.

Emerging players

• Wealthify: UK digital wealth and pension investment platform with a consumer-facing app. Comparable to Jarvis in digital-first delivery and decumulation-era retirement products, though Wealthify's roots are in broader investment ISAs and general investment accounts.
• Moneybox: UK consumer fintech app offering savings, investing and a personal pension. Comparable as a mobile-first retirement product targeting younger workers, though Moneybox's pension is one feature inside a broader savings and investing app.
• Salary Finance: UK employee financial wellbeing platform offering salary-sacrifice-linked savings, pension contributions and loans through employer partnerships. Comparable employer-distribution motion and overlap with Jarvis's salary sacrifice pension positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/jarvispensions

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jarvis