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Welcome to Cushon!

Just like how you've built technology that puts your users' experience and wellbeing first, we're applying the same principles to building your feel good future.

Learn more about what to expect in the coming weeks.

Your launch timeline

    • June

      Preparation

      We're getting everything ready so your new pension experience feels just right.  An official announcement email has gone into your inbox.

    • Early July

      Before launch

      Keep an eye out on Slack about what's happening next. You may notice something in the office. 

    • July 13

      Live

      Your new Cushon pension is live. You'll receive a welcome email with details to access your account.

    • July 15

      Launch event

      Join us for some snacks, live demo and Q&A - great opportunity to get your account setup in the app.

    • Late July

      Beyond pay day

      You've made it past July pay day, with the first pension contribution going into your Cushon pot. Consider moving all your pensions in one place for easier future planning.

    A single app for your workplace pension, savings, and more 

    Watch your pension grow over time

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    • Get notifications every time a new contribution is added to your pot
    • Set target retirement age and see what you're projected to get when the time comes
    • Open other savings accounts alongside your pension in one app

    Manage your pension with ease

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    • View, manage and withdraw money from your pension
    • Find and bring old pensions in one place using your work history
    • Edit details for you and your beneficiaries

    Stay in the know

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    • Unlimited access to our financial education courses
    • Improve financial wellbeing with our guides every step of the way
    • Learn about tangible impact your pension investment has on the planet

    Things to know about your Cushon pension

    Illustration ofIt's automatically invested for you

    If you don't do anything, your money will be invested by our independent and experienced trustees who have a duty to act in your best interests.

    Illustration ofA future for you and the planet

    We believe in investing for a future worth saving for. So, our investments work hard to securing your future, greening our society and positively impacting the future of our planet.

    Illustration of arrows point left and rightOption to customise investment

    We know not everyone is the same, so if you want to choose where your money is invested, we have a range of self-select funds for you to choose from in the Cushon app.

    Case study: your pension = low carbon veg

    Image of a huge greenhouse growing lettuce

    The average pension pot of an employee in the UK is responsible for 13 tonnes of CO2 per year [¹]. But your Cushon pension[²] is designed to be more environmentally friendly. 

    We've cut investment emissions by 78%[³] through investing in projects such as a low carbon pepper farm in Suffolk.

    Get your 1:1 session

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    For you to make the most of your pension with ease, you get a free private online guidance session with one of our experts. They can explain your pension and the app, help you set things up, and answer any questions on saving for the future. 

    You can ask anything you like about your pension. There are no silly questions.

    More about your workplace pension

    Very. You can easily check your Cushon pension pot balance in the Cushon app. Open the Cushon app to view the latest value of your pension pot on your dashboard. 

    The Cushon app lets you check your future pension value with simple tools:

    • Set your target retirement age and see Cushon pension forecasts for when you want to retire.

    • Change your pension contributions to see how saving more or less could affect your Cushon pension pot over time.

    • View your estimated Cushon pension pot value, based on your age, your payments, and expected growth. See the total pot, inflation-adjusted figures, and possible monthly income at retirement.


    These figures are estimates but can help you plan your pension savings for retirement.


    You can also combine other pension pots with your Cushon pension in the app to see all your retirement savings in one place.

    You can transfer your other pensions into Cushon.

    To transfer an old pension to Cushon:

    • Log into your Cushon app

    • Select 'Transfers'

    • Select 'Pensions' from the toggle

    • Tap 'Start a transfer'

    In the "Start a new transfer' screen choose your option and then follow the simple steps



    Note:     If you have more than one pension pot, add each one separately by completing the details for every transfer.

    You can usually pay up to 100% of your earnings into your pension each year, or £60,000, whichever is higher. 

    The £60,000 limit is called the pension annual allowance. This is the most you can pay into your pension each tax year and still get pension tax benefits.


    If you have not used up your full annual allowance in the past three tax years, you can carry forward any unused pension allowance.


    If you earn more than £260,000 a year, your annual allowance may be lower due to the tapered annual allowance. If your income is over this amount, the total you can pay in with pension tax relief goes down as your income goes up.

    Salary sacrifice means your salary is reduced by the value of your pension contributions. Instead of you paying directly, your employer pays this amount into your workplace pension for you. This can save you money, as you and your employer pay less National Insurance contributions.


    Your payslip may show a lower salary, but your take-home pay can be higher because you keep more due to lower National Insurance. Your pension contributions stay the same or may be higher, as your employer pays the full amount for you.


    Before enrolling in salary exchange, consider these points:


    •If your employer gives life cover, it is often based on your salary. Salary sacrifice could lower your life cover because it is based on the reduced salary amount.

    •A lower salary may affect how much you can borrow for a mortgage.

    •Some state benefits, like Statutory Maternity Pay, may be affected if your recorded salary is lower.



    Weigh the pros and cons before you decide. If you are unsure, speak to a financial adviser for help with salary sacrifice and your pension.

    Capital at risk. The value of investments can fall as well as rise, and you may get less than the full amount you invest.

    [¹] UK average: (£87,947 average UK pension) x (118 tCO2e / $m invested) ~ 13.1 tCO2e per pension pot

    [²] The Cushon Sustainable Investment Strategy is our primary default investment strategy. This is where your savings are automatically invested if you do not make your own investment decisions. This is the case for most of our members. We do offer a secondary default investment strategy, Cushon Core and the option to self-select funds. You can find out if your workplace pension is using the Cushon Sustainable Investment Strategy in your account. 

    [³] Reduction in scope 1 and 2 carbon emissions for the growth phase of Cushon's Sustainable Investment Strategy since inception (August 2022), compared to its independently verified 2022 benchmark. The benchmark, which has been verified by independent advisers ISIO, is defined as the weighted average of the carbon footprint of the underlying funds' benchmark of 118 tCO2e/$m EVIC. For further information, see our Task Force on Climate-Related Financial Disclosures (TCFD) report.