How to trace a lost UK pension in 2026
Use the government tracing service, your NI record and old payslips. Or let Spark do it free in days.
Trace free →
FCA-aware guidance • 12,400+ savers helped • 4.9/5 rating
IGNITE YOUR SPARK RETIREMENT ⚡
Spark Pensions turns confusing pensions into one clear, powerful plan. We find lost pots, cut hidden fees, boost your contributions and map your tax-free cash — so you retire earlier, richer and calmer.
★★★★★
4.9/5 from 2,300+ reviews. Savers added £38k on average to projected pot.
💰 +£38,400 avg. boost*
projected at 65
projected at 65
⚡ 3 lost pots found
£21,750 recovered
£21,750 recovered
RETIREMENT READINESS
⚡ WORKPLACE PENSIONS • SIPP • CONSOLIDATION • DRAWDOWN • TAX-FREE CASH • STATE PENSION • NET-ZERO FUNDS • WORKPLACE PENSIONS • SIPP • CONSOLIDATION • DRAWDOWN • TAX-FREE CASH •
£412M
retirement savings managed & guided
12,400+
UK savers sparked since 2016
0.45%
avg. all-in fee after spark review
19 days
avg. to find, check & combine pots
01 — About Spark Pensions
We make pensions feel electric, not exhausting.
Spark Pensions was born in London in 2016 with one frustration: pensions were full of jargon, paper and hidden charges. We built a human-first, tech-smart service that gives every saver — from baristas to barristers — clarity, control and confidence.
We don't sell products. We build plans. Independent analysis, plain-English reports, and ongoing nudges to keep your spark alive through every job move, market wobble and life change.
✓
Find every penny.
Free trace of old workplace & personal pensions, including forgotten auto-enrolment pots.
Free trace of old workplace & personal pensions, including forgotten auto-enrolment pots.
✓
Cut the drag.
We benchmark fees, performance and guarantees. Average saver saves £9,200 in fees.
We benchmark fees, performance and guarantees. Average saver saves £9,200 in fees.
✓
Grow with purpose.
Risk-matched, sustainable portfolios + annual retirement income mapping to age 95.
Risk-matched, sustainable portfolios + annual retirement income mapping to age 95.
“Spark found £31k I didn't know I had. I cried. Then I increased my contributions.” — Priya S., Manchester, 42
Our mission
One clear number: your retirement income
Forget 12 statements. We give you one dashboard, one forecast, one monthly action. Know exactly what you'll live on at 60, 67 and 80 — and what to do today to improve it.
Our promise
No jargon. No hidden fees. No pressure.
Fixed transparent pricing, FSCS-protected providers, sustainable default funds. If we can't improve your position, we tell you — and the health-check stays free.
02 — Services
Everything for your pension spark
Six core services, one goal: more income, less stress. Mix and match or let us run the whole show.
🔍
Pension Tracing & Audit
We hunt down lost workplace pots using NI + employment history. Full audit of fees, performance, guarantees and exit penalties.
Trace mine →🧩
Consolidation
Combine scattered pots into one low-cost SIPP or workplace plan. We protect valuable guarantees like GARs and protected tax-free cash.
Combine pots →📈
SIPP & Investment
Risk-matched portfolios from cautious to adventurous, with net-zero options. Rebalanced quarterly, reported in plain English.
See plans →🏢
Workplace & Auto-enrolment
For employers: set up, manage and educate. For employees: optimise contributions to grab full employer match + salary sacrifice.
For business →💷
Retirement Income (Drawdown & Annuity)
Blend flexible drawdown with guaranteed annuity. Tax-efficient withdrawals, emergency cash buffer, longevity to 95+.
Model income →🛡️
Tax & Estate Planning
Use allowances, carry forward, 25% tax-free cash and beneficiary nominations. Keep more for you and yours, legally.
Learn how →
03 — Interactive calculator
How big could your spark get?
Assumes 5% net growth, 2% inflation, employer top-up included. Illustrative only, not advice.
04 — Plans & pricing
Simple pricing, serious value
Starter Spark
Free
Health-check + trace
- ✓ Free pension tracing
- ✓ Fee & performance audit
- ✓ State Pension forecast
- ✓ 20-min video call
- — Consolidation
Most popular — Growth Spark
£29/mo
Ongoing optimisation
- ✓ Everything in Starter
- ✓ Consolidation into low-cost SIPP
- ✓ Sustainable portfolios
- ✓ Annual income mapping
- ✓ Unlimited chat + yearly review
Retire Spark — 55+
£590 one-off
Drawdown & tax strategy
- ✓ Drawdown + annuity blend
- ✓ Tax-free cash plan
- ✓ Inheritance & nominees
- ✓ Cashflow to age 95
- ✓ Solicitor & accountant liaison
01 — Tell us
2-min quiz + link employment history. 100% online, secure.
2-min quiz + link employment history. 100% online, secure.
02 — We find
We trace pots in 7-19 days and audit every charge.
We trace pots in 7-19 days and audit every charge.
03 — You approve
Clear report + video. No move without your yes.
Clear report + video. No move without your yes.
04 — You grow
Auto-rebalanced, yearly spark review, retire richer.
Auto-rebalanced, yearly spark review, retire richer.
05 — Love letters
Savers feel the spark
Priya S., 42
★★★★★
★★★★★
“Three old jobs, three lost pensions. Spark found £31k and cut my fees from 1.1% to 0.42%. My forecast jumped £68k.”
James W., 58
★★★★★
★★★★★
“I was going to buy an annuity blind. They blended drawdown + annuity and saved me £4k tax in year one. Genius.”
Chloe & Dan, 35
★★★★★
★★★★★
“Finally understand salary sacrifice! We both upped to full match. Extra £220/mo with almost no take-home hit.”
06 — Pension news & guides
Fresh sparks of wisdom
State pension changes, tax allowances, investment tips — explained in 5 minutes, no jargon.
07 — FAQ
Questions? Answered.
How much should I save for retirement?
As a rule, halve your age and save that % — e.g. start at 30, aim for 15% including employer. For a £30k/year retirement lifestyle, most need £350-£500k pot plus State Pension. Our calculator personalises it.
Can I combine my old pensions?
Usually yes. We check for protected benefits, guarantees and exit fees first. If consolidation helps, we move you to a low-cost, well-performing plan in ~2 weeks. If not, we tell you to stay.
When can I access my pension?
Normally 55 (57 from 2028). You can usually take 25% tax-free, rest as flexible income or annuity. State Pension is separate — currently 66, rising to 67 by 2028.
What fees do you charge?
Health-check and tracing are free. Growth Spark is £29/mo with no % fee from us; underlying fund fees ~0.15-0.35%. Retire Spark is fixed £590. No hidden commissions.
Is my money safe?
Your pot is held with tier-1 UK custodians, segregated and FSCS-protected up to £85k per institution (plus SIPP protections). Spark never holds client money directly.
Do you offer financial advice?
We provide guidance, forecasts and execution with clear risk warnings. For complex defined-benefit transfers over £30k, we refer to specialist FCA-authorised advisers.
08 — Get sparked
Get your free pension health-check
Tell us where you've worked. We'll find your pots, benchmark them and show your retirement income — free, no obligation.
- ⚡ Free trace worth £295
- ⚡ Plain-English report in 7 days
- ⚡ 4.9 rated, UK-based humans
*Illustrative average uplift based on 1,200 consolidations 2023-2025. Past performance doesn't guarantee future returns. Capital at risk. Tax rules can change.