Pricing
Your account stays free. One check is one tax year, £99 including VAT. A correction the specialist asks for is included. Another year is another £99.
I work in
Stepping up to consultant is when the first and biggest charge usually lands, often with no warning.
Your account
Free forever
The two-minute check, your documents stored and safe, and a check you can re-run when your circumstances change. No card needed.
A specialist check
£99 per tax year · including VAT
For NHS members the professional sign-off on top of the £99 can often be reclaimed: up to £1,000 for accountancy or £500 for advice through the NHS Cost Claim Back Scheme. Other schemes have their own routes. We do not submit the claim.
NHS members: professional fees for McCloud advice may be reclaimable under the NHS Cost Claim Back Scheme. That claim is yours to make with NHS Pensions. We do not submit it.
McCloud remedy fee recovery varies by scheme. Pick your sector above to see what applies to you.
A pension-tax bill can run to five figures and sit unnoticed for years. A free check tells you today whether you are exposed, or clear.
Regulated advice comes from qualified professionals. We work out your position and a specialist checks your pack; when you need advice on what to do next, we hand you to a qualified professional, yours or one we introduce. We produce the facts; they own the advice.
Yes. After a specialist has checked your pack, invite your own accountant or IFA from Settings in one action, or they send you a consent link. We produce the reconciled position with every figure sourced back to exactly where it came from. You can also ask us to introduce a qualified accountant or IFA who works in this area every day. That introduction is not access until you grant consent. You are never locked in.
We tell you clearly, with no upsell. You can still create a free account for document storage and re-run the check when your circumstances change. Many members keep their record with us even when the first check is green.
The check is free, and so is your account for as long as you like: documents stored and a check you can re-run when your circumstances change. A specialist check of one tax year is £99 including VAT. A correction the specialist asks for is included. Another year is another £99. For NHS members the accountant or IFA fee on top is often reclaimable under the NHS Cost Claim Back Scheme. We do not submit that claim. Your account and stored documents stay free, whether or not you buy a check.
Often, but it varies by scheme, and it is for the McCloud remedy specifically, not for ordinary annual allowance advice. The NHS has a dedicated Cost Claim Back Scheme: up to £1,000 including VAT for accountancy and £500 including VAT for advice. Teachers' and the Civil Service reimburse advice up to around £500. The Armed Forces, Police and Firefighters' schemes reimburse professional fees case by case, with no set cap. The Judicial scheme covers £500 plus VAT for one specific type of advice only, with no accountancy allowance. The Local Government scheme (LGPS) has no fee-reimbursement route. Claims are time-limited, usually six to twelve months after your remedy statement or election. Pick your scheme in the "I work in" selector above to see the published route. We do not submit the claim.
Often not. If you owe an Annual Allowance charge, you can usually ask your pension scheme to pay it for you instead of finding the cash now. It is called Scheme Pays, and it is common with McCloud charges. We model pay-now versus Scheme Pays honestly, side by side, so you can see the real cost of each. It is your decision; we lay out the trade-offs and never push one option.
Yes, that is the point. Your documents and figures live in one place you own and can always reach, so you never lose access the way old payroll logins can take it away. Keeping your account and records, and re-running the check when needed, is free whether or not you buy a specialist check.
Often yes. McCloud and Annual Allowance can span multiple tax years. The free check flags historical risk. A specialist check is one tax year at a time, £99 including VAT, and another year is another £99.
The check is two minutes. Your full position depends on documents and scheme, typically within a few working days once a specialist has checked it, not months of you chasing employers and administrators alone.
Remedy is not affiliated with the NHS, HMRC, or any public-sector employer. We find and fix the problem, and partner with qualified professionals for regulated advice and sign-off.