I-400 - EIS - P-044 - CL42 - BACQD - Chest - BR1381 - MAR26

2,000 

On waitlist

EIS

Approved

£380k

Already raised

FCA

Regulated

Chest is the pension app for Millennials and Gen Z- turning everyday spending into automatic pension contributions through cashback, smart savings rules, and a gamified experience that keeps people engaged for
the long term.

15 million people are sleepwalking
into a retirement crisis.

The defined benefit pension era is over. Auto-enrolment contributions are too low. The state pension is unsustainable. And the digital-first tools that Millennials and Gen Z expect? They don't exist yet - not for pensions.

The result: a £25,000 annual shortfall in retirement for the average young worker. Projected income at 8% contribution sits at ~£17k/year. A comfortable retirement requires ~£42k. That gap is Chest's entire market.

Join our raise now to hit
targeted returns of 8.44x by year 3

We've already closed a £380k friends & family round, secured FCA permissions, and have 2,000+ on the waitlist — 67% through referrals alone. 

Our external investor round comes with EIS approval offering income tax relief, loss protection and CGT and IHT exemptions

We are then targeting further multiples by year 5, 7 and 10 - For more details download our Investor Brochure.

Download Investor Brochure

Behaviour changes first.
Contributions follow automatically.

Chest doesn't ask people to save more. It makes saving happen through what they already do — with a feedback loop that builds lasting habits.

Auto-invested into pension

No lifestyle change required. Users spend as normal at 100+ cashback brands.

​Scoring & Projections

Users see their pension health score, compare to peers, and track retirement projections in real time.

Cashback
Engagement reinforces the behaviour. Consolidation of old pensions follows.

Register Your Interest

Built by people who felt the problem.

BACKED & SUPPORTED BY

L&G  

GoCardless  

Baltic Ventures    

Innovate UK 

FinTech Wales

BACKED & SUPPORTED BY

Join 2,000+ people already on the Chest waitlist. Be among the first.

Secure Your Investment

This communication is for information purposes only and does not constitute an offer, invitation, or recommendation to invest in any securities. Any investment opportunities referred to are only available to persons who qualify as High Net Worth Individuals, Self-Certified Sophisticated Investors, or other exempt persons as defined under the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005.

Investments made under the Seed Enterprise Investment Scheme (SEIS) and Enterprise Investment Scheme (EIS) are high-risk and may not be suitable for all investors. Capital is at risk and you may lose the full amount of your investment. Investments in early-stage companies are illiquid and should be considered long-term.

Any tax reliefs associated with SEIS or EIS are subject to individual circumstances and may change. Eligibility for tax relief depends on the investee company maintaining its qualifying status and on the investor meeting all relevant criteria. HMRC approval of a company’s qualifying status cannot be guaranteed and, if withdrawn, tax benefits may be lost.

This communication has not been approved by an authorised person for the purposes of section 21 of the Financial Services and Markets Act 2000. If you are in any doubt about the suitability of an investment, you should seek independent financial advice from a person authorised under the Financial Services and Markets Act 2000.