Frequently asked questions
How the international pension history hub works, and what it can and cannot tell you.
- It brings every country you have worked in into one record: contribution years, average salary and accrual rate used for the estimate, the estimated period covered, the documents you uploaded for that country and the official institution that holds the original record.
- From three sources, in order of priority: values you edited manually, values our AI extracted from documents you uploaded (P60, Vida Laboral, Estratto contributivo, payslips), and finally a country baseline derived from your onboarding answers. Manual edits always win.
- No. Every figure is an estimate based on your declared or extracted data and public national rules. Only the national institutions listed on each country card can issue a legally binding statement of your entitlement.
- Because that country has no document on file, or zero contribution years recorded. Those are the gaps that most often reduce a cross-border pension, so the hub surfaces them first with a direct link to the registration guide and the official portal.
- A missing year is a period inside your career span that no country covers. Under EU aggregation rules, periods in different member states are added together to meet minimum thresholds, so uncovered years can delay eligibility or reduce the amount. Closing them early is far easier than at retirement.
- Yes. The PDF export produces a country-by-country history report with years, periods, documents and gaps — useful when contacting an institution or an advisor. Export availability depends on your plan.
- Yes. Documents are stored in private buckets, each record is readable only by your own account, and you can export or delete everything at any time under GDPR.