BreadBox

The pension you actually get to use.

Pick the age you want to get paid — 35, 40, or 45. Put in what you can from every paycheck. BreadBox locks it, grows it, and slices it when you say so.

Free to join. We’ll message you when your spot opens.

Your loafExample account

$12,480.00

+$0.00 since you opened this · $200 / mo

Slice dateAge 40 · 14 yrs 3 mo to go
Feeding the loafLocked
  • +$50.00Bonus2m
  • +$3.40Round-up · coffee3m
  • +$200.00Paycheck5m

The old pension is gone. Nothing replaced it.

Retirement was designed for someone who is 65, with an employer plan and thirty years of patience. That is not most of us.

14%

of private-sector workers have access to a traditional pension.

BLS, March 2025

34%

of adults under 30 believe Social Security will still exist when they retire.

Cato / YouGov, Oct 2025

19vs 35

the age Gen Z starts investing. Boomers started at 35.

Schwab Modern Wealth Survey, 2024

Lock it. Grow it. Slice it.

A self-directed pension for people who want it at 40, not 65. One screen, one number, one date.

  1. Pick your slice date.

    Choose the age you want to get paid: 35, 40, or 45. That date is the contract, not a suggestion.

  2. Feed the loaf.

    Automatic contributions from every paycheck, from $50 a month. Round-ups, bonuses, and tax refunds go in too.

  3. Let it rise.

    Locked by design, so the money stays put and does its job. No trading-app temptations, no early-withdrawal spiral.

  4. Cut a slice.

    At your slice date, take a monthly payout or the whole loaf. Your rules, your pension.

Built for people who have time, not money.

Every product for private investing assumes you already have money. BreadBox assumes you have time, and you have more of it than anyone.

01Maya14-week streak
02Sam12-week streak
03You9-week streak
04Elena7-week streak

Crews.

Pool with friends. Same slice date, shared leaderboard, group contributions. The people who keep you honest for fifteen years.

1screen · number · date

Nothing to babysit.

No tickers, no charts, no Sunday-night panic. Your loaf, your slice date, and how far along you are.

$50a month to start

Start with what you have.

A 24-year-old with $50 a month cannot buy a fifteen-year commitment anywhere else. Now you can.

Your slice date is waiting.

Join the waitlist and be first in when BreadBox opens.