Pension Detective
A mobile app that scans your LinkedIn and CV history to surface forgotten workplace pensions from every job you have ever held and walks you through tracing and consolidating them.
UK adults aged 25–45 with fragmented career histories
- LinkedIn/CV-to-pot discovery using the gov.uk Pension Tracing Service
- Step-by-step transfer and consolidation assistant for pots under £10k
- Annual re-scan that flags new old-employer matches as your career grows
- Tax-efficient consolidation tips and a lost-pot estimated-value dashboard
The source article highlights £31 billion in untraced UK workplace pensions, and a generation of frequent job-changers has never engaged with them — first-time discovery tooling is wide open.
PPI 2024 Lost Pensions Survey confirms 3.3m lost pots worth £31.1bn (up 60% since 2018); GOV.UK Pension Tracing Service received ~274k calls over five years, indicating sustained user interest.Briefing Note 138 - Lost Pensions 2024 | Pensions Policy Institute ↗Thousands call Pension Tracing Service as savers warned to check for lost pots - Which? ↗
Market is already crowded: free GOV.UK tracing service, PensionBee and Penfold both offer built-in 'find my lost pensions' flows, plus comparison articles on moneytothemasses.com — leaving limited greenfield for a discovery-only tool.Find Lost Pensions | Penfold Pension ↗Finding And Transferring Pensions | PensionBee ↗Best pension tracing services in the UK - Money to the Masses ↗
Free GOV.UK service sets the price anchor at £0; PensionBee and Penfold effectively subsidize tracing because they earn AUM on consolidated pots. A standalone scanning app has no clear revenue model beyond a small one-off fee or affiliate lead-gen.Find pension contact details - GOV.UK ↗Combine your pensions | PensionBee ↗
Structural problem: auto-enrolment (since 2012) plus a gig/freelance economy guarantees new lost pots accumulate; PPI shows the stock grew £12bn in six years and is forecast to keep rising.Brits missing £31.1bn in unclaimed pension pots | Pensions UK ↗Lost Pensions 2024 - ABI ↗
LinkedIn API does not expose employment history for third-party apps; CV parsing + GDPR employer-name matching against DWP/ABI scheme registers is possible but slow, data-messy, and legally fiddly (FCA/ICO perimeter for advice).Pension Tracing Service Reviews - Trustpilot ↗