A flexible pension for the self-employed

Get a pension in less than 10 minutes, adapt it to your lifestyle and change contributions as you need to.

What is Raindrop?

Raindrop is a fully digital and flexible pension solution for the self-employed.

We allow you to take control of your retirement by letting you be as flexible with how much you put away. We also help you find and consolidate all of your pensions into one place.

You can also save through your limited company with Raindrop. Capital at risk.

Who we work with

Digital pension at your fingertips

Under 10 minutes to set up – we'll do the rest. Lost your old pensions? We'll help find them and bring them all into one place. Easy to keep track of and manage, online or on your phone.

+25% tax top-up on contributions

Most personal pension contributions benefit from tax relief. This means the government adds 25% to your Raindrop pension for every eligible contribution - for every £100 you get an additional £25.

You may even be able to claim back more if you are a higher or additional rate taxpayer.

Complete flexibility

You’ll be able to contribute as much as you want whenever you want – be it from your personal account or your limited company.

Are you part of the 8 out of 10 self-employed who aren't benefitting? We've made it really easy so you don't miss out.

Find old pensions

Our automated chat bot helps you find and consolidate all your old pensions. We only need your employer name and the time you worked.

Start your journey today

Get started
Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

The value of the tax benefits of your pension depends on your individual circumstances. Tax rules and circumstances may change in the future.

High levels of pension encashments or income may not be sustainable and in some cases could reduce the value of your pension to zero. You should consider the impact this might have on your income in retirement.

What is FSCS?

FSCS protects customers when authorised financial services firms fail. You could be entitled to compensation of up to £85,000. FSCS protection does not cover a change in the value of your investments, however it covers you if the operations of our partners is affected.