Most trackers ask you to type in what your pension is worth. That number came off a provider screen that was already a day or two behind, and it is stale again by the time you have finished typing. OwnWorth can hold the units instead, and price them like any other holding.
See it with example data £5.99/month · free trialA workplace pension statement shows a valuation struck at a particular point, often the previous working day and sometimes several days back. Contributions land on their own schedule. Between those two lags, a pot that you updated a fortnight ago can be wrong by thousands without anything having gone wrong.
Units don't have this problem. If you hold 4,182.6 units of a fund, that number only changes when you buy, sell or receive a contribution — and the price is public. Units × price reconciles against the provider whenever you check it.
| Exact units | Best. You hold a named fund and know your unit count — a SIPP, or a workplace pension whose statement shows units. Priced live, and it reconciles. |
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| Linked to a fund | Good. You know which fund the pot is in but not the unit count. OwnWorth anchors to the value you last confirmed and moves it with the fund's price from that date. |
| Plain value | Fine. Some pots — older schemes, anything opaque — are just a number you update at the monthly check-in. Better in the picture than left out of it. |
Mixing the three is normal. Most people have one pot they know precisely and two they don't.
The pension people forget is usually the largest single line they own. Two or three jobs in, there is often a pot from an employer whose name you half remember, sitting in a default fund, unlooked at for years.
You do not have to consolidate anything to count it. Add it once, decide how precisely you can track it, and it stops being invisible. Whether to merge pots is a separate question with real trade-offs — protected benefits, exit charges, guaranteed annuity rates — and one this app deliberately does not advise on.
Not a pension provider, not a consolidation service, and not regulated to give advice. It will not tell you whether to transfer, which fund to pick, or when to take benefits. It also has no connection to your provider — you type or paste, which is the same trade the rest of the app makes: nothing is linked, so nothing can be drained.
For finding lost pots, the government's free pension tracing service is the right starting point.
Any pot invested in a fund with a published price — most SIPPs, and many workplace schemes, including target-date funds such as a Vanguard Target Retirement. If the statement shows a unit count, you can use it.
Then link the pot to the fund it invests in and confirm the value at the monthly check-in. OwnWorth moves it with the fund price between check-ins, which is closer than a number frozen since March.
Only as a value you enter. A DB pension is a promised income, not a pot, and any capital figure for one is an approximation — usually a transfer value. Treat it as an estimate, and keep the promised income in mind separately.
Yes, on one subscription. They stay attributed to them, so the per-person view stays honest.
Not as an asset, because it isn't one — it is an income that starts at a certain age. Check your forecast at gov.uk.
Try it with the example pots How cost basis is tracked →
OwnWorth is a record-keeping and planning tool, not financial, legal or tax advice, and we are not regulated to give any. Figures you enter are your own; projections are estimates based on them.