Meet Peggy — the agent who finds money in your finances.
She reads your statements and turns them into your year: every date your money will cost you or pay you, and what to do before it does. Unused tax relief, deadlines nobody warns you about, pensions drifting out of date. Here's what that looks like, with example data.
She reads them; no person here does. And she is never told what you're worth — the figures stay on your own screen, behind your own key.
Want to try something right now? The tax calculator is free — no account.
Peggy works your money like an agenda
Example account · demo figuresOne deadline, two jobs: the filing date for last year's return, and the last day a pension contribution still counts against last year's income.
Worth ~€5,660 this year
Aoife can still put €14,150 into her pension with tax relief before her age-related limit — at the 40% rate that's ~€5,660 back. Peggy states her assumptions and links Revenue's own guidance on every finding.
~€2,300 to plan for — January 2028
Her index fund hits Ireland's 8-year rule: tax falls due even without selling, and no broker warns you. Peggy counts it down years out, so it's a plan instead of a shock.
Your Zurich value is from May 2025 — got a newer statement?
Over a year old means every figure built on it is a year out of date too. Peggy notices, asks once, and reads the new statement the moment it's uploaded.
Use your full pension tax relief every year
On track for €9,600 of €23,750 — €14,150 of relief expires 31 December.
Drop in a statement. Everything is read for you.
Example account · demo figuresannual-statement.pdf
A photo works too
You check and confirm — nothing is saved until you say it's right. Defined-benefit warning signs are checked before anything else.
What she watches
Shares & funds
Import your broker's CSV — Revolut or DEGIRO — and the CGT, exit-tax and 8-year deemed-disposal picture is worked out per holding, with the December and October deadlines attached. DEGIRO exports carry the ISIN, so funds are told apart from shares rather than guessed at.
Crypto
Upload a Kraken trades export and your gains are worked out under CGT — fees in the cost base, the €1,270 exemption applied, losses carried. Crypto-to-crypto swaps are flagged for review, never guessed.
Pensions
Every pot in one place, statements read for you, unused tax relief quantified — and transfers of old pensions drafted, sent and chased on your say-so.
Rental property is live too — upload a letting statement (Airbnb supported) in the Property section and the rents, allowable expenses and tax owing are worked out for the year.
Why an agent beats a dashboard
She remembers
Tell her once — your salary, your retirement age, that old Zurich pension — and every future answer knows it. Six months in, she knows your money better than your bank does.
She reaches out
When your statement goes stale, when a deadline nears, when the new tax year resets your allowances — Peggy emails you at the moment acting is actually possible.
She works your goals
Agree a goal — use your full tax relief every year — and she tracks it, ranks everything around it, and chases the dates that matter to it.
All of this happens without a person here seeing any of it
The obvious question about an app that goes through your money is who else gets to see it. Here is the answer, in the order people usually ask it.
Who holds the key?
You do. Your device makes one when you join and never sends it to us. There is no spare in a drawer here, and setting one up isn't optional — it's the first thing you do.
What can Pegora see?
Not your PPS number, and not your documents — those are scrambled before they leave your device. Our own administrator credentials are denied the decryption key outright, and every unlock is logged somewhere we can't edit.
Does the AI see my money?
No. Peggy is told what's true and where you can look, never how much. If you type a figure at her yourself we'll warn you first — it's your call, but you'll know you're making it.
The trade is real and we'd rather say it here than in small print: lose your key and your recovery code, and what they locked is gone — we can't reset it, because we never had it. The security page spells out exactly what we can and can't see, including the parts we haven't finished yet.
Free to see what she finds. No card, no forms — one emailed link.
Start freeEverything above is example data. Figures Pegora computes for you come from your own documents — and are estimates, not financial or tax advice.