84. Mintago Mintago helps businesses save on national insurance while improving the financial wellbeing of employees through smarter pension planning. Richard Parris January 3, 2023 3 min read About us Startups was founded over 20 years ago by a multi-time entrepreneur. Today, our expert team of writers, researchers, and editors work to provide our 4 million readers with useful tips and information, as well as running award-winning campaigns. Founder: Chieu CaoFounded: 2017Website: mintago.comAmid the pile-up of crises that have led to the current recession, it’s fair to say that people are more aware of their financial situations than ever. But few of us know how to plan for the future while grappling with today’s challenging economic backdrop.Mintago was launched by founder Chieu Cao, who saw a gap in the market for a platform that focused entirely on financial wellbeing – in particular, better management of pensions (one of people's largest assets).The business aims to make the process of managing pensions and finances easier for users of all backgrounds, as well as help businesses save money on national insurance contributions through salary sacrifice pensions. Mintago was launched by founder Chieu Cao, who saw a gap in the market for a platform that focused entirely on financial wellbeing Mintago’s support services go beyond just pensions, however. The London-based startup also provides users with a whole suite of financial support, including free IFA access, an interactive AI helper, and budgeting tools.Mintago’s service is unique in that it isn’t biased towards any one pension provider. Employees can contribute to their pension with confidence, and decide whether to keep their pension pots separate or combine them for ease using the Mintago “pension hunter” tool. Employers are guided through the implementation of salary sacrifice pension in a hassle-free way.“Mintago is on a mission to change the world of pensions and personal finance,” says founder Chieu Cao. “There’s benefit for both employers and employees, and it helps them both live happier, financially healthy lives.” The London-based startup also provides users with a whole suite of financial support, including free IFA access, an interactive AI helper, and budgeting tools. The benefits are compelling. To date, Mintago claims to have saved over £1m for businesses, and to have successfully found over £10m of missing pensions for employees.Chieu is bullish about the potential for Mintago’s growth, even as the cost of living crisis and recession loom. “With the backdrop of increased costs, difficulty in hiring and retaining staff, record levels of inflation and the national insurance increase, the conditions are ideal for a platform like Mintago that saves employers and employees money and improves employee financial wellbeing.”We’re looking forward to seeing how far Mintago can continue to grow. By supporting businesses and their employees in making better long-term financial decisions, Mintago has a product that can make a real difference for years to come. 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As well as rounding up some of the biggest success stories in our annual Startups 100 list, we have resources to help new businesses get off the ground. What Does Your Business Need Help With? Project Planning Creating a Website Business Loan Marketing Get Started Share this post facebook twitter linkedin Richard Parris Managing Editor Richard joined the Startups team in 2021, and has a career in publishing that has spanned over 15 years. As a researcher, writer and editor, Richard has worked on brands across the UK, US and Asia in both print and online, including at the BBC, on the US-focused tech industry site Tech.co, plus at Which? magazine and its website, where Richard oversaw technology reviews and advice publishing. Richard has been an interviewee and contributor on television, radio, newspaper, magazine and online publications, and has featured in interviews including on the BBC and The Scotsman.Richard is passionate about converting potentially complex topics into clear, actionable advice and recommendations, and works alongside the in-house Startups team and its growing network to promote the needs of the UK small business community.