Find out if HMRC owes you money
Most higher earners are owed £3,000+ in unclaimed pension tax relief
Not sure which pension you have?
Here's how to find out:
- 1.Check your payslip — Look for "pension" or the provider name
- 2.Search your email — Try "workplace pension" or "pension contribution"
- 3.Ask HR — They can confirm your pension provider and type
Most common: NEST, People's Pension, NOW: Pensions, Aviva, Scottish Widows
HMRC Owes You £3,500(If you earn over £50,270)
4 in 5 higher earners are missing out on pension tax relief they're legally entitled to. Check in 60 seconds if you're one of them.
£3,500
Average claim
8-12
Weeks to refund
4 Years
Can be backdated
Not sure which pension you have?
Here's how to find out:
- 1.Check your payslip — Look for "pension" or the provider name
- 2.Search your email — Try "workplace pension" or "pension contribution"
- 3.Ask HR — They can confirm your pension provider and type
Most common: NEST, People's Pension, NOW: Pensions, Aviva, Scottish Widows
Claim Approved or Your Money Back
If HMRC rejects your claim for eligibility reasons, we refund your £99 in full.
How It Works
Three simple steps to reclaim your pension tax relief
Check Eligibility
Enter your salary and pension details. Our calculator instantly shows if you're owed money and how much.
Get Your Claim Pack
We generate personalised HMRC letters with the correct legal references and calculations for your situation.
Receive Your Refund
Post your claim to HMRC. Most refunds arrive within 8-12 weeks as a cheque or direct to your bank.
Why Higher Earners Miss Out
When you contribute to a Relief at Source pension (like NEST or The People's Pension), your provider only claims the basic 20% tax relief from HMRC.
But if you earn over £50,270, you pay 40% tax (or 45% above £125,140). You're entitled to the extra 20-25% relief, but you have to claim it yourself.
Most people don't know this, and HMRC won't tell you. That's why an estimated £1.3 billion goes unclaimed every year.
Example: Software Engineer on £80,000
Your cost: £99 → Your refund: £3,200 → That's 32x return.
Real Results from Real People
Join higher-rate taxpayers who've successfully claimed their pension tax relief
“I had no idea I was owed this money. The process was straightforward and I received £3,200 back from HMRC within 10 weeks. Wish I'd known about this years ago!”
Sarah T.
Software Engineer, London
“I never realised my NEST pension wasn't giving me full relief. The claim pack made it so easy - just signed the letter and posted it. £4,100 back!”
Michael K.
IT Manager, Manchester
“My accountant never mentioned this! Used the calculator, bought the pack, and HMRC processed my claim in 8 weeks. £2,800 refund for a £99 investment.”
James W.
Marketing Director, Bristol
Frequently Asked Questions
Everything you need to know about pension tax relief claims
What is higher rate pension tax relief?
How much can I claim back?
Is this legitimate and legal?
How long does it take to get my refund?
What pension schemes are eligible?
What if HMRC rejects my claim?
100% Legal and Compliant
This is not a loophole. It's your legal right under UK tax law.
Finance Act 2004
Section 192 explicitly provides for higher-rate taxpayers to claim additional relief on pension contributions.
HMRC Documented
This claim process is in HMRC's own guidance. We simply help you navigate the paperwork correctly.
4-Year Backdating
Under the Taxes Management Act 1970, you can claim for the current year plus the previous four tax years.
Give Your Team a Tax-Free Bonus
Help your employees reclaim thousands in pension tax relief. Bulk pricing from £59 per employee.
Check If HMRC Owes You Money
It takes 60 seconds. Most higher-rate taxpayers are owed between £3,000 and £4,000. You could be one of them.
Check My Eligibility Now