Use the estimator below to get a rough idea of how much unclaimed pension tax relief you might have. Then see exactly what happens next.
This is a rough estimate based on the figures you enter. Your actual claim may differ once we have your full contribution history.
Your gross salary before tax or pension deductions.
The amount deducted from your pay each month for your pension. Check your payslip.
You can backdate claims for up to 4 completed tax years.
If you're unsure, your tax code or P60 will show this.
Fill in your details and tap Calculate estimate to see an indicative figure.
This is an estimate based on the figures you entered. We'll confirm the exact amount once we've seen your contribution history from your pension provider.
This service applies to a specific situation. If the three following statements are true about you, you're probably owed some money back.
Your gross income is above £50,270. You pay 40% tax on some of your earnings — or 45% if you earn over £125,140.
Your employer contributes to a pension on your behalf, with contributions deducted from your pay each month.
With some pension schemes, HMRC sends the basic-rate tax back to your pension pot automatically — but stops there. The extra relief for higher-rate taxpayers? That bit gets missed.
"Most people aren't told about this. It doesn't show up on your payslip. Your pension provider doesn't flag it. HMRC doesn't write to you. It just silently goes unclaimed."
Here's the full journey from sign-up to refund — what we do, and what we need from you.
Fill out the form above with your contact details. We'll get in touch to discuss your situation and confirm whether you're likely to be owed unclaimed pension tax relief.
You register, we callWe check that you're a higher or additional rate taxpayer on a Relief at Source scheme, and confirm you haven't already claimed via Self Assessment. We'll let you know if anything looks off.
We handle thisTo request your contribution history from your pension provider, we need your authorisation. We'll prepare the letter — you just need to sign it. We'll guide you through any provider-specific requirements.
You sign, we submitUsing the Letter of Authority, we contact your pension provider and obtain up to 4 years of contribution records. This can take a few weeks — providers aren't always fast. We'll chase them so you don't have to.
We handle thisWith your full contribution history in hand, we work out precisely how much higher rate relief you're owed for each year. You'll get a clear breakdown to review — and share with your accountant if you'd like a second opinion.
We handle thisWe prepare everything needed to submit the claim to HMRC — either a letter you send yourself, or a Self Assessment entry if that's more appropriate for your situation. We'll recommend the right route and make it straightforward.
We handle thisOnce HMRC processes your claim, you'll receive a repayment — typically as a cheque or bank transfer. Timescales vary but are usually within a few weeks of submission.
HMRC pays you directlyOnly after you've received your repayment do we invoice you. Our fee is 10% of the amount HMRC paid out. Nothing until you get paid.
10% of recovered amount, paid after you receive itWe'll work through this process with you personally.
Founded by a former pension industry architect and financial services professional.