Am I eligible for pension
tax relief?
HMRC owes higher-rate taxpayers additional pension tax relief — but only if your pension uses Relief at Source. Most people never claim it. The average refund is £4,024.
Upload a payslip · Takes 60 seconds · Your data is never stored
The three things you need to qualify
You earn over £50,270 (or earned above this in a previous tax year)
Your pension uses Relief at Source — common with NEST, People's Pension, Royal London, and similar providers
You haven't already claimed this relief via a Self Assessment tax return
Not sure which pension type you have? Upload your payslip and we'll check instantly →
Pension providers that use Relief at Source
If your pension is with any of these providers, there's a strong chance you're eligible - but check your payslip: employers can run Aviva, Scottish Widows, Standard Life, L&G and Aegon schemes as Net Pay or salary sacrifice, which already give full relief.
Not on this list? Upload a payslip and our AI will confirm your pension type automatically.
When you're not eligible
There are situations where the additional relief is already applied for you automatically.
Salary sacrifice pension
Relief is already applied through your payroll
Net Pay pension
Relief is applied before tax is calculated
NHS / public sector pension
These use Net Pay arrangements
Basic rate taxpayer (under £50,270)
Higher-rate relief only applies above this threshold
How the eligibility check works
Upload a payslip
A recent payslip is enough. We just need your salary and pension contribution figures.
We check instantly
Our AI reads your pension type and calculates exactly how much HMRC owes you.
Get your claim pack
If eligible, you receive a ready-to-post letter and everything you need to claim. £99 flat fee.
Find out in 60 seconds
Upload a payslip and we'll confirm your pension type, calculate your refund, and tell you exactly what to do next. Your data is never stored.
Common questions
What is Relief at Source?
Relief at Source is a pension tax arrangement where your provider claims basic rate tax relief (20%) on your behalf from HMRC. But if you're a higher-rate taxpayer, you're owed an additional 20% — and HMRC won't pay it automatically.
How far back can I claim?
HMRC allows claims for the 4 most recent complete tax years. The oldest year you can still claim is 2022/23 — and the deadline to claim it is 5 April 2027.
What if I already do Self Assessment?
If you filed a Self Assessment return for a year, HMRC requires the relief to be claimed on that return (by amending it within 12 months of the filing deadline), or afterwards as a written overpayment relief claim. Check the 'Tax reliefs' section of your returns - if your pension contributions weren't entered, you may still be owed money and our pack tells you exactly what to enter.
What's the £99 fee for?
We prepare your claim letter, calculate the correct figures across all eligible years, and provide everything you need to post to HMRC. It's a one-time flat fee — we never take a percentage of your refund.