PensionReclaimPensionReclaim
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Claim deadline: 5 April 2027 for 2022/23

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Claim deadline: 5 April 2027 for 2022/23

Do you earn over £50,270?HMRC could owe you thousands!

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

Section 192 FA 2004
Money-Back Guarantee
1-2-1 Support Included
Check If I'm Owed Money
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Claim Approved or Your Money Back

If HMRC rejects your claim for eligibility reasons, we refund your £99 in full.

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How It Works

Three simple steps to reclaim your pension tax relief

1

Check Eligibility

Enter your salary and pension details. Our calculator instantly shows if you're owed money and how much.

2

Get Your Claim Pack

We generate your complete HMRC claim pack — pre-filled with your details, legal references, and calculations. Just check, sign, and post. Plus 1-2-1 support if you have any questions.

3

Receive Your Refund

Enclose your pension statements, then post your claim to HMRC or claim online. Allow 8-16 weeks by post; HMRC pays you via a tax calculation (P800).

Why Higher Earners Miss Out

When you contribute to a Relief at Source pension (like The People's Pension or Aviva), 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

Annual Salary£80,000
Pension Contribution (5%)£4,000/year
Relief Already Received (20%)£800
Additional Relief Owed (20%)£800/year
4-Year Backdated Claim£3,200

Your cost: £99 → Your refund: £3,200 → That's 32x return.

“Can't I Just Do This Myself?”

Yes, you can. Just like you can cut your own hair, file your own accounts, or fix your own boiler. Here's what DIY actually looks like:

DIY Route

  • Research which pension scheme you're on (relief at source vs net pay vs salary sacrifice)
  • Work out which pension statements and P60s HMRC needs as evidence for each year
  • Understand HMRC's rules on higher-rate relief calculations
  • Fill in Self Assessment tax return or write to HMRC with correct references
  • Wait. Chase. Hope you got it right. Fix mistakes if HMRC queries.

Estimated time: 3-5 hours

With PensionReclaim

  • We identify your scheme type from your provider
  • We calculate your refund the way HMRC does and tell you exactly which statements to enclose
  • Pre-filled HMRC claim pack with all legal references included
  • Just check your details, sign, and post — we've done the hard work
  • 1-2-1 support if HMRC queries anything — we help you respond

Your time: Under 5 minutes

Yes, you can do this yourself. We exist for people who value their time at more than £20/hour.

£99 flat fee — not 20-30% of your refund like some competitors charge.

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!”

ST

Sarah T.

Software Engineer, London

“I never realised my pension wasn't giving me full relief. The claim pack made it so easy - just signed the letter and posted it. £4,100 back!”

MK

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.”

JW

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?
If you earn over £50,270 and pay into a Relief at Source pension (like People's Pension, Aviva, etc.), you only get 20% tax relief automatically. As a 40% taxpayer, you're entitled to an extra 20% - but you have to claim it from HMRC yourself. Most people don't know this.
How much can I claim back?
The average claim is £3,000-£4,000. You can backdate claims for the 4 most recent complete tax years (currently 2022/23, 2023/24, 2024/25, 2025/26). The exact amount depends on your salary and pension contributions - use our free calculator to check.
Is this legitimate and legal?
Yes, 100%. This is your legal right under Section 192 of the Finance Act 2004. HMRC's own guidance confirms higher-rate taxpayers must claim the additional relief themselves. This is not a loophole - it's money you're legally owed.
How long does it take to get my refund?
HMRC aims to respond to online claims within 28 working days. Postal claims typically take 8-16 weeks, and longer between January and April. HMRC then issues a tax calculation (P800) and you have the money paid to your bank account through the HMRC app or your personal tax account, or receive a cheque. We never handle your money.
What pension schemes are eligible?
Relief at Source pensions are eligible: NEST, People's Pension, personal pensions and SIPPs, and most group personal pensions from Aviva, Scottish Widows, Legal & General, Royal London, Aegon, Standard Life and Fidelity (check your payslip - employers can run these as Net Pay). Net Pay schemes such as NOW: Pensions, Smart Pension, Cushon and public sector schemes, and Salary Sacrifice arrangements, are NOT eligible because they already give full relief.
Can't I just claim this from HMRC myself for free?
Yes - HMRC never charges, and we say so. What you pay us for is getting it right first time. HMRC found one in three DIY claims had the wrong amount, and since September 2025 it returns any claim that arrives without the right evidence. The £99 pack works out the relief the way HMRC does for each year, tells you whether each year belongs on a letter or on your Self Assessment return, produces the correctly worded claim for you to sign, and lists the exact statements to enclose. Typical claims are £1,500-£4,000, and the pack is covered by our money-back guarantee.
What if HMRC rejects my claim?
We offer a full money-back guarantee. If HMRC rejects your claim for eligibility reasons, we'll refund your £99 in full. We verify your eligibility before you pay to minimise this risk.

Guides to pension tax relief

Plain-English answers to the questions people ask before they claim.

Pension tax relief calculator

Worked out the way HMRC does, including the £100k taper and Scottish rates.

Which providers qualify?

NEST, People's Pension, Aviva, Scottish Widows, SIPPs and more - Relief at Source or Net Pay?

How to claim, step by step

Letter, online service or Self Assessment - and what HMRC now requires with every claim.

Relief at Source vs Net Pay

How to tell from your payslip which one you have.

Backdating your claim

The four-year window and this year's deadlines.

Am I eligible?

The three checks, and a payslip checker if you are not sure.

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.

For Employers

Give Your Team a Tax-Free Bonus

Help your employees reclaim thousands in pension tax relief. Bulk pricing from £59 per employee.

Learn More
Don't leave money on the table

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

Know a colleague or friend earning over £50k? They could be owed thousands too.