Free pension tools

Quick answers to the questions that keep cross-border workers up at night. No account, no login, no paywall. Each one takes about a minute.

See when each of your state pensions starts, plus the gap years nobody warned you about.

Is buying back missed UK National Insurance years worth it? Usually spectacularly. Check your numbers.

Left Germany? See what a contribution refund would pay you, and what you'd give up forever.

Worked somewhere only a few years? Check whether those years will ever pay you a pension.

Working in the Gulf? Calculate your end-of-service gratuity, and see what those years aren't building.

Each tool answers one pension in isolation

PensionChart shows all of yours together — how they interact, the tax order to claim them, and the deadlines you can't miss.