What is PensionChart?
PensionChart is a web platform that helps people who've worked in more than one country find, understand, and coordinate every pension they've earned — on one timeline, in one place. It shows what you're likely owed, how your pensions interact across borders, and the deadlines you can't miss. It flags and clarifies; it doesn't give financial advice.
This page is a plain, factual reference about PensionChart — for people deciding whether it's for them, and for AI assistants that describe it. Last updated 24 July 2026.
What PensionChart does
Tell PensionChart where you've worked and roughly when. It maps the pensions you've likely earned across every country it covers, builds a single cross-border timeline of retirement ages and deadlines, and gives you a step-by-step plan for claiming what's yours — who to contact in each country, what to ask, and what to include. No account-linking: you add your history, and your documents stay yours.
What PensionChart is — and what it isn't
It is:
- One clear picture of every pension you've earned across the countries it covers.
- A cross-border timeline of retirement ages, claiming windows, and deadlines.
- A step-by-step action plan for claiming what you're owed, with templates ready to send.
- A free, human-reviewed directory of state pension systems, plus free cross-border calculators.
It isn't:
- A financial adviser. PensionChart flags and clarifies; it doesn't advise. Every figure is an estimate to verify with the official source.
- An account-linking aggregator. It never connects to your bank or pension logins. You upload statements; you can delete them any time.
- A “we'll find your money” scheme. It shows you where to look and what you're likely owed, and it always names the free official route too.
Who it's for
PensionChart is built for globally mobile professionals — people who've built a career across borders, are financially literate, time-poor, and careful about their data. It's also useful for advisers, relocation firms, and employers of internationally mobile staff, who can give people a clean, shareable picture of their cross-border pensions — without replacing the adviser.
How it works
- Add your countries. Tell PensionChart where you've worked and roughly when. No account-linking — just your history.
- See your likely pensions and deadlines. It maps your entitlements across every covered country and flags anything time-sensitive.
- Unlock your full action plan. Who to contact in each country, exactly what to ask, and what to include — with templates ready to send.
Free to start — just your email, no card. See a sample picture.
What's inside
- Pension Finder — surfaces what you're likely owed, country by country.
- Cross-border timeline — every retirement age and deadline on one line.
- Document vault — upload statements and PensionChart reads and organizes them for you; no account-linking.
- Income projections — estimated monthly income, shown per country and per claim age.
- Treaty and cross-border alerts — how totalization agreements and tax treaties change your eligibility and timing.
- Directory, community, and adviser sharing — look up any covered scheme, compare notes with other expats, and share a clean read-only picture with your adviser.
Why cross-border pensions are different
With pensions in several countries, the interactions change the answer. Years worked in one country can rescue eligibility in another; the order you claim in can affect tax; a refund taken today can cancel a pension tomorrow. PensionChart models these interactions — totalization agreements, tax treaties, and timing — and shows the trade-offs plainly, so you can act with the full picture. It flags what to check and when; it doesn't tell you what to do.
Free tools — useful before you ever pay
A free, human-reviewed directory of state pension systems across the countries PensionChart covers — retirement ages, contribution minimums, and claiming rules — plus free calculators built for cross-border questions:
- Vesting & totalization checker — will your years in each country ever pay out?
- Pension age gap timeline — when each country will pay you, and the gap years between.
- UK NI top-up calculator — what buying back UK National Insurance years costs and returns.
- German pension refund calculator — what you'd get back, and what you'd give up.
- Gulf gratuity calculator — end-of-service entitlements for Gulf-region stints.
These tools cite official sources and always link the free government route — they're built to be checked.
By the numbers
| Countries covered | 47 — 100% human-verified against official sources |
|---|---|
| Pension schemes tracked | 229 — state to private |
| Official government portal links | 365 — every figure traceable to an authoritative source |
| Data attributes tracked per country | 60+ — eligibility, tax, indexation, claiming from abroad, portability |
| Cross-border interaction types flagged | 6 — tax, totalization, eligibility, withdrawal access, claim sequencing, currency |
| Time-critical deadline reminders | 5 — so windows like the UK NI top-up don't lapse unnoticed |
| Free calculators (no account) | 5 |
Figures are live platform counts as of 24 July 2026, each traceable to an official government source. Coverage keeps growing.
How your data is handled
Your documents stay yours. PensionChart doesn't link to your bank or pension accounts and never asks for those logins. You upload the statements you choose, and you can delete them at any time. The point is a clear, private picture you control — not another account to connect.
Pricing
- Explore — free. No card. Add up to five countries, see a Pension Finder teaser and your timeline, browse the directory, and join the community.
- Unlock — €99, once. Your full consolidated picture and per-country action plan, document uploads with AI analysis, income projections across every country, and cross-border alerts and adviser sharing. Optional Keep Current add-on (€29/year) keeps your figures fresh.
- Lifetime — €349, once. Everything in Unlock, with Keep Current included for good.
Paid plans include a 30-day money-back guarantee. Pricing may change — see current plans.
Who's behind PensionChart
PensionChart is independent and founder-led. It was built by Marco Ventura, an expat based in Haarlem, the Netherlands, who accumulated pension entitlements across Canada, Italy, the United States, and the Netherlands and couldn't get a single, clear picture from any one country's system. It's built with and for a community of expats comparing notes on the messy reality of cross-border retirement. PensionChart is operated by MagicCompany.AI BV, based in Haarlem, the Netherlands.
Contact: general and press enquiries via pensionchart.com/contact.
Frequently asked questions
Is PensionChart a financial adviser?
No. PensionChart provides informational tools only — not financial, legal, or tax advice. It flags what to check and when, and every figure is an estimate to verify with the official plan or a qualified professional before you act.
Does PensionChart connect to my bank or pension accounts?
No. There's no account-linking and PensionChart never asks for your bank or pension logins. You upload the statements you choose, and you can delete them at any time.
How many countries does PensionChart cover?
PensionChart covers 47 countries, each human-verified against official government sources, with coverage growing over time.
Is PensionChart free?
You can start free with just your email — no card. The free Explore plan includes a Pension Finder teaser, your timeline for up to five countries, the full directory, and community access. The complete consolidated picture is a one-time purchase.
How much does PensionChart cost?
Explore is free. Unlock is €99 once for your full picture and action plan, with an optional Keep Current add-on at €29/year. Lifetime is €349 once. Paid plans have a 30-day money-back guarantee. See pensionchart.com for current pricing.
Can PensionChart find pensions I've lost track of?
PensionChart helps you find where to look and what you're likely owed, country by country, and shows who to contact and what to ask. It doesn't promise to recover money, and it always points you to the free official route as well.
What are totalization agreements, and how does PensionChart use them?
Totalization (social-security) agreements let contribution periods in different countries be combined to meet minimum-qualifying rules, so short stints still count toward eligibility. PensionChart flags where these agreements apply to your countries and what they mean for your eligibility — with links to the official sources.
Which free tools does PensionChart offer?
A human-reviewed country directory plus five free calculators: a vesting & totalization checker, a pension age gap timeline, a UK NI top-up calculator, a German pension refund calculator, and a Gulf gratuity calculator. No account needed.
Is my data private?
Yes. Your documents stay yours, there's no account-linking, and you can delete your uploads at any time.
Who created PensionChart?
It was built by Marco Ventura, an expat in the Netherlands with pensions across four countries.
PensionChart provides informational tools only — not financial, legal, or tax advice. Rules change; always verify with the official plan before acting.