--- title: "Find My Pension: What Pensions Do I Have? | Pensions Advice UK" url: https://new.pensionsadviceuk.com/how-to-find-out-what-pensions-i-have/ description: "How to find out what pensions you have: list past jobs, check your State Pension, use the free government tracing service and contact each provider." last_updated: 2026-10-08 publisher: "Pensions Advice UK (a trading name of GAP-GNX Ltd)" language: en-GB --- Find lost pensions # How do I find out what pensions I have? Most people who have worked for a few employers have more than one pension, and it is easy to lose track. Here is how to find them all, step by step. [Start a tracing enquiry](https://new.pensionsadviceuk.com/pension-tracing-application/) Free to enquire. We are an introducer, not an adviser. Important information - Introductions to FCA-authorised advisers - Free to enquire - We call back within the hour, 9am to 5pm weekdays - Details passed on only with your consent **Quick answer:** There is no single place yet that shows every pension you have. Start with a list of every job you have had, check your State Pension forecast on GOV.UK, use the free government [Pension Tracing Service](https://www.gov.uk/find-pension-contact-details) to get contact details for each scheme, then write to each provider with your National Insurance number and date of birth to ask what they hold. ## Why is it so easy to lose a pension? Since 2012, employers have had to enrol most staff into a workplace pension automatically. Change jobs a few times and you can have a pot with each employer, often with a provider whose name you never noticed. Move house without telling them, and the letters stop. Older pensions are harder still. Companies merge, schemes are taken over, and pension providers rename themselves, so the name on an old payslip is often not the name holding the money today. ## Step by step: finding every pension you have 1. **List every job.** Write down each employer, roughly when you worked there and where. Include part-time and short jobs, and any time you were self-employed and paid into a personal pension. If you can’t remember them all, your HMRC online account shows recent employment, and HMRC can help with older records. 2. **Gather any paperwork.** Old payslips, P60s, annual pension statements and welcome letters often name the scheme or provider. Search your email for “pension” and “annual statement”. 3. **Check your State Pension.** Your [State Pension forecast](https://www.gov.uk/check-state-pension) shows what you are on track for from the government, and can show if you were “contracted out”, which means some of your National Insurance went into a private pension instead. 4. **Get contact details for each scheme.** The free government [Pension Tracing Service](https://www.gov.uk/find-pension-contact-details) searches by employer or provider name and gives you the current contact details. 5. **Write to each provider.** Give your full name, any previous names and addresses, date of birth, National Insurance number and the dates you worked there. Ask whether they hold a pension for you and what it is worth. 6. **Keep a record and chase.** Replies come by post over weeks, in different formats. Note who you have written to and follow up anyone who hasn’t answered. ## What about the pensions dashboard? Pensions dashboards will one day let you see all your pensions online in one place, including your State Pension. They are not open to the public yet. Until they are, you need to find each pension yourself or have someone do it for you. ## Signs you may have a pension you’ve forgotten - You worked for a large employer, the NHS, a council, a school or the civil service, even for a year or two - You had a job any time after 2012, when automatic enrolment started - You were contracted out of SERPS in the 1980s or 1990s - You have moved house since leaving a job - You have changed your name **£31.1 billion**The estimated value of lost pension pots in the UK. Source: Pensions Policy Institute, 2024. ## If you would rather someone did it for you Tracing pensions yourself costs nothing but time. If you don’t have the time, or the letters and ID checks are putting you off, tell us what you remember and we’ll put you in touch with the right service: - **Pension Pie**, our sister company, traces pensions of any size for one fixed fee of £249 including VAT. It never takes a percentage of what it finds and never moves your money. - **An FCA-authorised adviser** may trace your pensions as part of an advice service, typically where they total £75,000 or more. The adviser explains any fees before you go ahead. [Start a tracing enquiry](https://new.pensionsadviceuk.com/pension-tracing-application/) [How paid tracing works](https://new.pensionsadviceuk.com/why-pay-for-pension-tracing/) ## Frequently asked questions ### Is there one place to see all my pensions? Not yet. Pensions dashboards will show all your pensions in one place, but they are not open to the public yet. For now you need to contact each pension scheme or provider. ### How do I find out if I have a pension from an old job? Use the free government Pension Tracing Service to find the contact details for that employer’s scheme, then write to the scheme with your National Insurance number, date of birth and the dates you worked there. ### Does HMRC know what pensions I have? HMRC can show your employment history and National Insurance record, which helps you work out where you might have a pension. It does not hold a list of your private or workplace pensions. ### How do I find out what my pension is worth? Ask the provider that holds it. Each provider can send you a statement of your current value once you have proved who you are. Our [pension value calculator](https://new.pensionsadviceuk.com/pension-value-calculator/) gives a rough estimate in the meantime. ### Is it free to find my pensions? Doing it yourself is free. Paid services, such as Pension Pie, charge for doing the work for you. Making an enquiry with us is free. ## More on finding lost pensions - [Can I find my pension with my National Insurance number?](https://new.pensionsadviceuk.com/find-pension-with-national-insurance-number/) - [How to find a pension from an old job](https://new.pensionsadviceuk.com/find-pension-from-old-employer/) - [Finding a pension with a provider that changed its name](https://new.pensionsadviceuk.com/find-pension-with-provider/) - [Finding a pension from years ago](https://new.pensionsadviceuk.com/find-pension-from-years-ago/) - [How to check your pensions online](https://new.pensionsadviceuk.com/check-my-pension/) - [Pensions dashboards: when can I see all my pensions?](https://new.pensionsadviceuk.com/pensions-dashboard/) - [SERPS: how to check and find yours](https://new.pensionsadviceuk.com/serps-state-earnings-related-pension-scheme/) - [The government Pension Tracing Service or paid tracing?](https://new.pensionsadviceuk.com/free-or-paid-pension-tracing/) - [What could an old pension be worth?](https://new.pensionsadviceuk.com/pension-value-calculator/) ### Important information Pensions Advice UK is a trading name of GAP-GNX Ltd. We are not authorised by the Financial Conduct Authority and we do not provide financial, investment, pension or tax advice. We act solely as an introducer. The information on this page is general information only. It is not a personal recommendation and should not be relied upon when making decisions about your pension. Whether any course of action is right for you depends on your individual circumstances. When you make an enquiry, we may introduce you to an FCA-authorised financial adviser. Any advice, recommendation or regulated service will be provided by that authorised firm, not by Pensions Advice UK. The authorised firm will explain its services and any fees to you directly before you decide to proceed. FCA-authorised firms may have their own criteria for accepting clients, over which we have no control. The value of pensions and investments can fall as well as rise, and you may get back less than you put in. Past performance is not a guide to future returns. Transferring or combining pensions is not right for everyone and may mean giving up valuable benefits or guarantees. Free and impartial guidance about your pension options is available from the government’s MoneyHelper service, and if you are aged 50 or over from Pension Wise, at moneyhelper.org.uk. ## Want your old pensions found? Tell us what you remember. We’ll introduce you to a tracing service or, for larger pensions, an FCA-authorised adviser. Start a tracing enquiry 020 3778 0939 We’re an introducer, not an adviser. ## Want help finding them? Start online, or call us. We call back within the hour between 9am and 5pm on weekdays, or the next working day. [Start a tracing enquiry](https://new.pensionsadviceuk.com/pension-tracing-application/) [020 3778 0939](tel:+442037780939) [Call us](tel:+442037780939) [Enquire](https://new.pensionsadviceuk.com/pension-tracing-application/) --- Pensions Advice UK (a trading name of GAP-GNX Ltd) connects UK residents with FCA-authorised pension advisers and pension tracing services. It is not FCA-authorised and does not give financial or tax advice. It acts solely as an introducer to FCA-authorised firms, who provide any advice and explain any fees before you proceed. This is the text version of https://new.pensionsadviceuk.com/how-to-find-out-what-pensions-i-have/. More pages: https://new.pensionsadviceuk.com/llms.txt