Free UK pension finder
Your old jobs left you money. Let's find it.
There are an estimated 3.3 million lost pension pots in the UK, worth £31.1 billion. List the jobs you've had and we'll show you where to look, what it might be worth, and write the letters for you.
- ✓ No sign-up
- ✓ No NI number needed
- ✓ About five minutes
Example results
£12,110
estimated in 2 lost pots, plus 1 guaranteed pension
Retail assistant
2013–2016
£1,870
LikelyNHS administrator
2016–2019
£1,610 a year
Guaranteed incomeMarketing executive
2019–2023
£10,240
Likely
Illustration only.
3.3m
lost pension pots in the UK
£31.1bn
sitting in those pots
£9,470
the average lost pot
Source: Pensions Policy Institute, Lost Pensions 2024 (Briefing Note 138).
How it works
From “I think I had a pension there” to a letter in the post
List your old jobs
Employer, rough dates and salary. No National Insurance number, no account, and nothing leaves your browser.
See what you might have
We match each job to the scheme it most likely used and estimate what the pot could be worth today.
Send the letters
Get a tracing letter for each employer or scheme, ready to copy, email or print. Then track replies as they come in.
Why pensions get lost
Every job since 2012 probably came with a pension
Auto-enrolment means employers have to put eligible staff into a workplace pension. Change jobs five times and you could have five pots, each with a different provider, and each one easy to forget when you move house or the provider changes its name.
You moved house and the provider's letters went to an old address.
The company was bought or closed and the scheme moved to a new administrator.
The provider changed its name Norwich Union became Aviva, Scottish Equitable became Aegon.
It was a short job and you never realised you'd been enrolled.
Private by design
Your job history stays in your browser. We don't ask for your NI number, date of birth or bank details.
Honest about the numbers
Every estimate shows its assumptions. We tell you when a pension is better left where it is.
Works with the official service
We link you to the government's free Find Pension Contacts service for any scheme we can't match.
Questions people ask
Is it really free?+
Yes. The finder, the estimates and the letters are free, and you don't need an account. The government's own tracing service is free too, and we link to it throughout.
Do you need my National Insurance number?+
No. Your letters include spaces for your NI number and date of birth, which you fill in yourself before sending. We never see them.
Where does my information go?+
Your job history is saved only in your own browser so you can come back to it. If you choose to join our list, we store your name, email and the summary figures you agree to share. That's all.
How accurate are the estimates?+
They're rough. For workplace pots we use the legal minimum auto-enrolment contributions and 4% a year growth after charges. Your employer may have paid more, and the real value only comes from the scheme. We show the assumptions next to every figure.
Should I combine my pensions?+
Sometimes, but not always. Old pensions can have valuable guarantees, lower charges or protected tax-free cash that you'd lose by moving. You can't move most public sector pensions at all. If a pension has guaranteed benefits worth over £30,000, the law says you must take regulated financial advice before transferring it.
How do I spot a pension scam?+
Be wary of cold calls, offers of 'free pension reviews', early access before 55 (57 from 2028) or guaranteed high returns. Check any firm on the FCA register and read the FCA's ScamSmart guidance before you move money.
Ready to look?
Five minutes, no sign-up, and you'll leave with a list of letters to send.
Find my pensions