Every date your money will cost you or pay you.
Before it does.
Shares, property, pensions — the tax on all of it worked out, and every deadline, relief window and 8-year clock on one page, privately.
31 October
What you owe, and the day it's due.
Drop a broker statement — shares, ETFs or crypto — and the return you file in October is worked out in seconds, with the CGT payment dates that come before it.
31 December
Relief that expires if you don't use it.
Pension relief unused by 31 December does not carry over. Pegora puts a figure on what is left and what a top-up is worth at your rate.
Every 8 years
Tax on a fund you never sold.
Irish funds are taxed every 8 years whether or not you sell, and no broker warns you. Pegora counts it down years out, so it is a plan instead of a shock.
What Pegora does
A vault for your financial life — that does the work too.
Everything in one place only you can unlock — and three statutory deadlines that cost money if nobody is watching them.
The money at stake every year
Pegora watches all three. Upload a statement and see where you stand — free, no account.
Bring your old pensions home
Old pensions found and valued; transfers drafted and chased until the money actually moves.
Know what you owe on your investments
Sell shares or crypto — the tax worked out the way Revenue expects, losses counted in your favour.
Finish your tax return
Every figure lands in a pack matching Revenue's own forms — copy it in, or hand it to your accountant.
Why trust us with it
Your accountant reads everything. We don't.
Everything sensitive is stored with zero-access encryption — software reads your statements, and nothing on our side can. Four things worth checking:
Even we can't open your PPS number.
Scrambled on your device before it is sent; the key never leaves you. Our own administrator credentials are denied it outright, and every use is logged where nobody can edit it.
Don't take our word for it — look.
One click shows the raw ciphertext where your figures should be — what a thief would find, and what we see. The only claim here you needn't believe.
Peggy is never told what you're worth.
She explains the rules and remembers what you tell her. She is never sent a figure — and a test fails the build if one creeps back in.
And here is what we can see.
Your email, what you pay us, when you sign in, and file names. Not their contents, not your figures, not your tax number.
How all of this actually works — the mechanisms, and the limits we would rather state than have you discover.
Where it lives
Built in Ireland, for Irish rules, on Irish soil.
Most tools that handle your money were built for somewhere else and taught Ireland afterwards. This one was built the other way round.
Revenue's rules, not an adaptation
The engine is Irish first: 33% CGT with the €1,270 exemption, 38% exit tax, the 8-year deemed disposal nobody else warns you about, USC and PRSI, and Form 11 as Revenue lays it out.
Your data stays in Dublin
Database, encryption keys and backups all sit in AWS's Dublin region — under Irish and EU law, never shipped to a US server for processing.
Even the AI runs in Europe
Statement reading and Peggy run inside our own AWS account in the EU, not at an AI company. There is no API key to an outside model provider anywhere in the system.
Every figure is worked out by our rule engine — never guessed — and shows how sure it is. Not tax or financial advice.