Jarvis already makes a pension feel like a plan.
A workplace pension and a personal one in a single app, your old pots traceable, the whole thing as easy as a banking app — you took the most ignored financial product there is and made it approachable. That’s the hard part, and you nailed it. But a pension is still the thing people most avoid: the balance never connects to the one question they actually care about — when can I stop working — and the answer feels decades away. The part you haven’t fully designed: making that day feel real, and within reach, today.
I’m Carl. I run Sunday, product design for fintech, ex-Swedbank. You’re already onto something with the retirement-age view — I kept thinking about how far it could go if it became the spine of the whole app. So I redesigned it. It’s live, just below.
See the same app for someone on track — or someone a bit behind.
The concept, running
It’s live. Drag the slider — watch the day move.
How I’d make Jarvis the app that answers “when can I stop?”
The mechanism is the moat — the consolidation, the Vanguard and L&G funds, the simplicity. But the feeling is where it’s thin: a pot balance never connects to the day you get free, and for most people the honest answer is years away. The fix isn’t a new product. It’s making the freedom-age the hero — “Free at 61,” with a slider that moves it the moment you save more — and being honest, with dignity, for the person who’s behind. On the surfaces Jarvis already owns.
Four decisions, and why:
You could be
Free at 61
6 yrs before the state pension · £21,857/yr
The balance becomes the day you stop
Jarvis opens on a pot balance. I open on the answer people actually want — “Free at 61,” the age you can stop working. The number stops being a number and becomes the day your time is your own. Same data, an entirely different feeling.
Drag it, and the day moves
A static balance feels like nothing. So saving becomes a lever: drag what you put away each month and the day you get free slides earlier — “2 years sooner” — right in front of you. The thing that felt decades off becomes something you can move.
Found across your old jobs
£148,200
4 scattered pots → one
Scattered pots, pulled into one
Bringing old pensions together is the one thing that grows a pot most — and your business. So I tie it straight to the freedom-age: combine your scattered pots and watch the day come closer. The action that matters most, motivated by the thing people actually care about.
Honest for the person who’s behind — saving a little more brings it closer.
Honest for the person who’s behind
Most people can’t retire early — and a pension app that only sells the dream fails them. So when the honest answer is “Free at 71,” the app says so plainly, then shows the one move that pulls it closer. Kind to the person who’s behind, which is most of them.
Any pension app can show a pot going up. The work is turning that into the day you get to stop — honest for the person who’s behind, not just the one who’s ahead.
A bit about me.
I’m Carl. I run Sunday, a product-design studio for fintech. Before this, Swedbank, one of the Nordics’ largest banks. I work embedded, like part of the team, from first research to the final interface. No handoffs.
I built this from the outside, on your product and positioning alone — no brief, no access. You’re clearly product-led and brand-strong, so take it as a conversation-starter, not a critique. With your real users and data behind it, it gets a lot sharper.
“He champions user-centered design without ever losing sight of how it drives real business outcomes. That balance is rare.”
Joackim Zwahlen — UX Lead, Swedbank
That’s the idea.
I made this because the problem stuck with me — a pension shouldn’t be the one thing you never open. If it’s useful, grab 30 minutes below and I’ll walk you through where I’d take it. If you want it real, a two-week sprint makes the freedom-age experience production-ready in Jarvis. If not, no hard feelings — I’ll be rooting for you either way.