Are You Missing Out on Thousands in Lost Pensions?
Over £26.6 billion in UK pensions has gone unclaimed. Use our calculator to see what you could be missing — and let Pension Pie help you find it.
Use the Calculator Below to Estimate Your Missing Pensions!
Thousands of people have lost track of pensions from previous jobs. Our smart calculator gives you a quick estimate based on your career history.
Missing Pension Calculator
Estimate what old workplace pensions, personal pensions, SIPPs and final-salary schemes you've left behind could be worth today. The calculator applies the correct contribution rates, charge caps and tax-relief rules for the era each pension accrued in, so the number is defensible — not a guess. Once you have a figure, the next step is tracing the scheme via the Pension Tracing Service or a paid tracing provider.
Note: this tool is for pensions you might have lost track of. It does not estimate your State Pension — that's run by DWP and you can check it directly at gov.uk/check-state-pension.
How these numbers are calculated
DC workplace pensions. Contributions default to the statutory minimum in force each year: 2% of qualifying earnings Oct 2012–Apr 2018, 5% Apr 2018–Apr 2019, 8% from Apr 2019. You can override these. Before auto-enrolment, workplace DC was opt-in and contribution rates varied widely; we default to 5% employer + 3% employee for pre-2012 years where you confirmed you were enrolled.
Charges. 0.75% annual charge cap for auto-enrolment default funds from Apr 2015. 1.0% stakeholder cap 2001–2015. 1.5% typical AMC for personal pensions before stakeholder. Applied annually to the running fund.
Tax relief. Personal contributions are grossed up at basic rate (20%) by default — i.e. £80 net becomes £100 in the pot. You can tick higher/additional rate for an extra 20% or 25% claimed back.
DB (final salary & CARE). Annual pension = accrual rate × years of service × pensionable salary (final salary, or career average revalued at CPI). Deferred pensions are revalued to today at CPI, capped per statutory rules. We show annual pension and a notional cash-equivalent transfer value (CETV) at a conservative 20× multiple.
Growth scenarios. Low 3% real, Mid 5% real, High 7% real per year — these are inflation-adjusted, so the fund value is shown in today's money. An "Actual historical" line overlays the FTSE All-Share real total return series as an illustration; individual years can differ materially from any specific pension fund you held.
This is an estimate and not regulated financial advice. For a precise figure, trace the scheme via the Pension Tracing Service and request a statement from the provider.
One of the Fastest and most comprehensive Pension Tracing Services in the UK – Get peace of mind without waiting months—locate your lost pensions quickly and ensure your savings are working efficiently for your future.
See our 5 star reviews and what our clients are saying about our service!
Simple & Secure Online Process – Start your search easily through our user-friendly platform, and then our team will keep you upto date and informed every step of the way.
Find pensions you didn’t know you had! We carry out a thorough investigation using our specialist pension tracing team and our Ai deep search tools to find pensions you many not of known about!
The average value of every pension we find is around £9,320.00! We charge a one off Fee of £225 including 5 pensions and include full deep search, forensic pension search and pension sweep to find anything relating to you (You can add more pensions for only £25 per pension thereafter!)
ON average each pension we find is worth £16.5k*
Let our expert pension investigation team find your pensions today!
*Latest Figure Based on Our current clients updated March 2026 –UK data show that £9.1k per pot is usual.
One-off fee of £225 inc VAT then take advantage of a FREE next steps and pension consolidation review to get your pension on the right track! (Additional Pensions Only £25 per pension)
There is around £26.6 billion of unclaimed pension savings in the UK. It is complicated to carry out this work yourself and it does take up a lot of time. However, by paying a one-off fee you could fast-track getting control of your pension savings!
