Pension tax relief reclaim · UK · Beta

Quietly, billions in pension tax relief goes unclaimed every year.

Around 807,000 higher-rate taxpayers are missing pension relief from HMRC. The average unclaimed amount is over £1,700 a year — and you can backdate four tax years.

See what you're owed How it works

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807kHigher-rate taxpayers affected

4 yearsBackdatable to HMRC

~£7,000Average unclaimed over 4 years

Why this exists

Your pension money is tax-free. But only if you ask.

Under Relief at Source— the most common workplace pension scheme — your provider claims back basic-rate tax for you. They never claim the rest. That's on you.

01 · Payday

100%

Gross salary

A slice goes into your workplace pension — taken from pay your employer already taxed.

02 · Automatic

+20%

Provider claims basic rate

NEST, Scottish Widows, Aviva — whoever holds your pension — claims back the basic-rate tax and adds it in.

03 · The gap

+20–25%

Sits with HMRC

If you're a higher- or additional-rate taxpayer, the rest is owed back to you. You have to ask for it.

We do all of this in under 10 minutes of your time.

Estimate what you're owed →

Step 01 · Eligibility

Is this for me?

Three things to check. If all three apply to you, you almost certainly have unclaimed relief.

You earn £50k–£150k

Higher- or additional-rate taxpayer — that's where the extra 20–25% relief sits.

“Relief at source” workplace pension

Your pension provider claims 20% from HMRC — but the rest is on you to reclaim. If you're not sure we'll check this first.

No Self Assessment claim

If you haven't filed, or have filed without claiming pension relief, you're owed it. Up to four tax years.

“Most people aren't told about this. It doesn't show up on your payslip. Your pension provider doesn't flag it. HMRC doesn't write to you. It just silently goes unclaimed.”

Step 02 · Estimator

How much might you be owed?

A rough indicative figure based on your salary, what you paid in, and which tax years apply. We'll confirm the exact amount once we've seen your contribution history.

Annual gross salary

Tax band: Higher rate (40%)

Monthly pension contribution

Employee contribution only.

Which of the last four tax years were you at (about) this salary?

4 of 4 YEARS INCLUDED IN YOUR CLAIM

All four years are included. Tap any year you weren’t at this salary to remove it.

From the founder

Why I built TEKKA.

I'm Peet. I spent fifteen years building pension and tax systems for the industry. I watched this exact problem go unsolved at scale: a quirk of how the rules are written, repeated millions of times.

The reclaim itself isn't complicated. It's just nobody's job. Your employer files PAYE. Your pension provider claims 20%. HMRC waits to be asked for the rest. So we ask, on your behalf, and you keep 90% of what comes back.

If you're owed money, I want to help you get it back.

— Peet, Founder

Ready when you are

Find out what you're owed in 90 seconds.

Free estimate, no signup. We only charge if we recover money for you — 10% of what HMRC pays out.

See what you're owed