PensionChart for financial advisers
A dated, sourced inventory of what a cross-border client has actually accrued — every pension, in every country they've worked in, with the source and the date against each figure. Your client builds it and shares a read-only view with you.
The client whose history doesn't fit the software
Someone worked in three countries. Their planning software models one. The German entitlement is a number nobody has checked since 2019, the Dutch fund is behind a national login you can't get them through from abroad, and the UK record may or may not have gaps they can still pay to fill. You can either spend a week establishing what exists before you can advise on any of it, or work from what the client thinks they remember.
And the ground moves underneath it. The United States repealed the Windfall Elimination Provision and the Government Pension Offset in January 2025, retroactively — a client told for years that their foreign service would reduce their Social Security may now be owed more than the file says. That is one change, in one corridor, in one year. A document written before it is not wrong because someone was careless; it is wrong because it was a snapshot.
What we keep is a record, not a report — and the difference is that a record has a date on every line. You can see when each figure was last checked, and against what.
Look at one before you read another word
The whole claim of this page is that what your client shares is something you could put in a file. That is not a thing to take on trust, so here is a complete example — a fictional client, real directory data, every figure carrying its source and its date.
Note what the labels do and don't claim. From your 12 May 2026 statement · confirmed means a figure read off a document the client checked and accepted. Estimated from country rules means we calculated it, and no statement backs it. They are not the same quality of number and the report never pretends otherwise.
Who this is for
Advisers with a cross-border book
Your planning software models one country at a time, and nothing mainstream models more than one pension and tax regime inside a single client plan. What we produce is the layer underneath the plan: an inventory of what exists, per country, with a source and a date against each figure, in a form that can go in a client file. It does not model drawdown, it does not rank options, and it is not a plan.
Accountants and tax advisers
You reach the same client from the other side: which country taxes which pension, what the treaty position is, and what to do with the person who says there might be something in Germany from the nineties. The entitlement inventory and the dated rule source are the useful parts. The income projection is not a tax calculation and should not be read as one.
If a client has shared a report with you
You're looking at a view your client built and controls. It shows what they're likely owed across every country they've worked in, when each one pays, and what still needs checking. Everything below explains where those numbers come from, what they don't claim, and who controls the link.
Where the numbers come from
Every figure carries its own provenance, and the labels mean exactly what they say: From your statement · confirmed is a figure read off a document the client checked; Estimated from country rulesis our calculation from the country's published rules and the work history they entered. The country data behind those rules carries a human verification date per country, and how we research and verify it is set out in our editorial policy, with every correction we've published at /corrections.
How much we can establish varies by country, and we say which pattern applies before anyone pays — some countries let us name the scheme and its administrator, others put the record behind a national login we can't get anyone through.
What we cover
47 countries, each verified by a person against official sources, with the date of that check published per country. Within them, 234 pension schemes and 415 links to official government sources — so any figure can be traced back to something authoritative rather than to us. For all 47 countries there is also a step-by-step guide to getting the client's own statement out of the national portal, free and without an account.
The coverage and the dates are public: browse the directory and check any country you like before you rely on it.
Getting at the data directly
The country directory is published as open data under CC BY 4.0 — a JSON feed, a CSV, and a read-only endpoint an AI assistant can be connected to, all free and without a key. If your firm wants the rules layer inside its own tooling rather than in a client report, start there: the open data, and what it costs to use it commercially. There is no separate adviser API, and we would rather say so than publish documentation for something that doesn't exist.
What it doesn't do
PensionChart identifies what you're likely owed and how to check it. It doesn't guarantee a pension exists, doesn't value your entitlement definitively, and doesn't claim anything on your behalf. Every figure here is an estimate to verify with the scheme administrator — and the official route to do that is free and named on each entry. Rules change; this report reflects what we had on the date shown on the report.
We will not find everything, and no one can — a pension nobody documented and the client cannot remember is not recoverable by any method we have. Every report carries a Limitations section saying so, including what we could not establish for that particular client. It's the first section worth reading.
Who controls it
The client does. They own the account, they created the link, they set how long it lasts and whether it needs a passcode, and they can revoke it at any time. We don't give advisers accounts, and there is no way for you to enter or edit a client's data — by design.
What we take from you: nothing
No commission, no referral fee, no success fee, no revenue share, in either direction. We don't pay for introductions and we don't accept payment for placement. The full position is on how we stay independent.
Questions advisers ask
Is this advice?
No. It flags and it sources; it does not tell anyone what to do, and nothing in it ranks an option or recommends one. The boundary is set out on how we stay independent and the method behind the figures on how we work.
Can I put this in a client file?
That is what it is built for. Every figure carries its source class and the date it was accurate; the PDF export repeats the attribution and the verify-at-source line on every page, so it still says what it is once it has been forwarded and filed. What it is not is a statement from a scheme — it points you at the administrator to confirm against, and that route is always named and always free.
How current are the figures?
Each one is dated individually rather than the document being dated as a whole. A figure read off a statement carries that statement's date; a figure computed from country rules carries the date we last verified that country. Where a client's document is old, the report says so rather than quietly presenting a stale number as current.
What happens when the rules change?
We re-verify the country and the date moves, so a figure that was checked against the old rules is visibly older than the check. This is the part a one-off report cannot do: a document written in 2024 has no way of telling you which of its lines stopped being true.
Do you take commission or referral fees?
None, in either direction — see how we stay independent. It is also why there is no adviser price: a code costs €99, the same as your client would pay.
What don't you cover?
Countries outside the 47 in the directory, and within them, anything behind a login only the client can pass. We do not contact schemes on anyone's behalf, we do not make claims, and we hold no relationship with any provider.
Who holds the client's data, and can I get a DPA?
The client does — the account is theirs and you never send us anything about them, which is what keeps us from becoming a processor of your client data. Hosting, encryption and sub-processors are set out on security and data handling, which also covers where a DPA applies.
For your other clients
If PensionChart would be useful to more of the people you work with, you can buy a block of codes and hand them out. Each one lets a person create their own account and hold their own data — you never send us anyone's name or email, and we never become a processor of your client data.
€990 for 10 codes — €99 each, the same as anyone pays. There is no adviser discount, and that is deliberate: a discount would mean the client you hand a code to paid more than you did for exactly the same thing. Codes last 12 months, and you get a private page showing which have been used — never who used them. What a code is, and what it isn't.
That is the whole price — no volume tier above it and nothing to negotiate. To talk through your own case, more than 10 clients, an invoice or a DPA — book a call with Marco, who founded PensionChart, or email him.
Last reviewed 29 August 2026. PensionChart is operated by MagicCompany.AI BV, Haarlem, The Netherlands.