Pension Keeper acts as your year-round expert, keeping your UK State Pension on track,
fully optimised and protected from the many ways things can quietly go wrong.
The UK State Pension rules have changed repeatedly over decades and continue to change. We monitor every development and alert you to anything that affects your entitlement — so you never miss out because you didn’t know.
We tell you exactly when to pay HMRC, how much to pay, and how to pay it — every year. Most people find this incredibly easy to forget. One missed year costs you £358 every year for the rest of your retirement.
After you pay HMRC directly, we follow up to confirm your payment has been received and your National Insurance years have been correctly allocated. HMRC can take 12+ months to update your record — we keep you informed.
When you reach State Pension Age (67/68), we guide you through the claiming process step by step, making sure you claim on the right date, in the right way, to maximise what you receive.
You can defer your UK State Pension and get 5.8% more for each year you defer. But is deferral right for you? We explain the pros and cons in plain English for your specific situation when the time comes.
If you move country, change employment status, get married or divorced, or return to the UK, you may have obligations. We keep you informed so nuanced rule changes never quietly cost you thousands.
Any question about your UK State Pension throughout the year — ask us. Whether it’s about payment timing, HMRC letters, your NI record, or anything else, we give you a clear, expert answer.
There have been ongoing tweaks and nuanced changes to the UK State Pension for decades. What was true two years ago may not be true today. Missing a single development could mean missing thousands of pounds you are rightfully owed.
Pension Keeper keeps an expert eye on every change and connects the dots to your specific situation — so you never have to track it yourself.
A Real Example
HMRC is currently trying to refund people over £1 billion in underpaid UK State Pension arising from Home Responsibilities Protection (HRP) gaps — relating to people who minded children in the UK.
The problem? HMRC can’t find the people who are owed the money. Without someone monitoring on your behalf, you could be owed thousands and simply never know.
Pension Keeper covers this
We contact all eligible clients and ensure they do not miss this entitlement.
⚠ It’s Very Easy to Forget
Most people intend to buy their annual NI year but simply forget. Life gets in the way. A reminder arrives — but it’s hard to know what to do, how much to pay, or whether last year’s payment was even processed correctly.
One missed year = £358 less pension every year for the rest of your life = £7,170+ over a 20-year retirement. That’s far too much to leave to chance.
These are the types of situations Pension Keeper protects you from every year.
You need to pay HMRC for each future year of voluntary NI contributions as they arise. Miss one and you lose it. But each one you do buy adds £358 per year to your pension for life. We remind you exactly when, how much, and how to pay HMRC — every single year.
If you move country, return to the UK, change jobs, or your relationship status changes, you may have obligations or new opportunities affecting your NI eligibility and rate. Don’t lose thousands over nuanced rules you didn’t know applied to you. We keep you informed.
HMRC makes errors. The ongoing HRP refund programme is a live example of over £1 billion in underpaid pensions HMRC is trying to correct. Pension Keeper monitors your record and alerts you if something looks wrong with your payments or NI year allocation.
Pension Keeper is for anyone with a UK State Pension entitlement
who wants to make sure nothing slips through the cracks.
You’ve applied to buy voluntary NI years and you’re in the 8–12-month queue. Pension Keeper keeps you updated on where you are in the process, flags any HMRC queries, and ensures you’re ready to act the moment your assessment arrives.
You’ve been approved by HMRC and are paying for future NI years each year up to age 67. Pension Keeper tells you exactly what to pay and when, confirms HMRC received your payment, and ensures your record is updated correctly.
Your NI eligibility and payment arrangements can be affected by where you live. If you move country, Pension Keeper advises you on any obligations, frozen pension implications, and whether your current setup is still optimal.
Your spouse’s UK pension entitlement is included free of charge in your Pension Keeper subscription if you're both XtraPension clients. Both of you are protected, reminded, updated and advised — for a small annual fee.
One flat annual fee. Your spouse included free.
Cancel any time. No hidden charges.
