Pensions Brain

For UK pensions professionals

Where UK pensions stands today — every claim linked to its source.

Pensions Brain reads every UK pensions source the day it publishes and keeps one current, plain-English briefing on each topic — the latest position, not a snapshot frozen at the date of the last bulletin.

3,900+ primary sources analysed · every claim linked to its source

Built for the actuaries, lawyers, governance specialists and investment consultants who have to be right — and have to show their working.

Built on DWP · TPR · HMRC · The Pensions Ombudsman · legislation · case law · PPF · FRC.

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Straight from the source

The latest primary sources, as they land.

Each is read the day it publishes and cited, word for word, in the briefings behind the code.

A taste of the brain

Read one in full. No code needed.

Topic · Updated 13 August 2026

PPF compensation and levy — how the safety net works

how PPF compensation is calculated under Schedule 7 (the abolished cap, the 50% floor), how the earnings-indexed levy ceiling works versus the 2026/27 zero levy (backed by £15.1bn reserves / £31.5bn AUM in the 2025/26 Annual Report), the Board's creditor rights in employer insolvency, and the PSA 2026 PPF/FAS measures (pre-1997 indexation and the terminal ill-health payment change).

Read in full — no code needed → Checklist · Updated 30 July 2026

IHT on pensions — administrator readiness checklist

administrator preparation for 6 April 2027 — scope mapping, the reg 10C–10F valuation clocks (28 days from the PR's request, 14-day provisional true-up, later-of splits), withholding-notice intake (10G–10I), the payment conduit and 14-day confirmations (10J–10M), the new tell-non-exempt-beneficiaries duty, the "beneficiaries decided" data trigger, mandatory e-filing and the 31 Dec 2026 MPS migration, and what HMRC has still to publish.

Read in full — no code needed → Template · Updated 4 July 2026

Skeleton DB surplus policy — a starting template

a section-by-section skeleton surplus policy keyed to the contents TPR's statement expects (purpose, principles, funding trigger/buffer, what's held back, covenant, data/benefit precondition, member-employer split, draft release process, documentation) with scheme-specific figures left as placeholders; pairs with the readiness checklist.

Read in full — no code needed →

One topic, one checklist, one template — open to read. A current, cited article on every corner of UK pensions sits behind the code. Join the waiting list for the rest.

Why it's different

Watch it work — 40 seconds.

Silent, with on-screen captions — 40 seconds.

Your library hands you the documents and leaves the reading, cross-referencing and joining-up to you, every time. Pensions Brain does that reading: one current, plain-English answer per topic, written across DWP, TPR, HMRC, legislation and case law at once — and every claim links back to its primary source, so you verify in a click and cite the original, not us.

It is AI-maintained and operated by Mynightoff Ltd. The quality control is the provenance itself: an AI that can't point to a source can't make a claim, so nothing is asserted without something to check it against.

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