# How to Check How Much Pension You Have (and Where It Is)

> How to find all your pension and provident funds and check balance, deposits and fees: the pension clearing house, Har HaKesef and Har HaBituach.

- Canonical URL: https://www.shavve.io/en/articles/how-to-check-how-much-pension-you-have
- Category: Pension
- Published: 2026-10-14 · Updated: 2026-10-14
- Reading time: 8 min
- Language: English
- Shavve - שווה — https://www.shavve.io/en

## The short version

- Three official services answer most questions: the pension clearing house, Har HaKesef and Har HaBituach.
- The pension clearing house shows, per its site, which bodies hold your money, how much has built up, deposits and cover.
- Har HaKesef answers where. The decisive balances and rights come from the managing body itself.
- Once found, check product by product: deposits against payslips, fees and insurance cover.
- This is general information, not personal advice.

To know how much pension you have, you need to answer two separate questions: which bodies hold your savings, and how much has built up in each. Anyone who has changed jobs a few times often finds more than one product, and doesn't always remember where. The good news is that there are official systems, set up on the initiative of and supervised by the Capital Market, Insurance and Savings Authority, that let you find out without hunting for old statements. This guide explains what each service gives you, what it doesn't, and what to check in the results.

> **Note — General information, not personal advice**
> This article explains how to locate and review information. It does not recommend an action on any specific product. Government services and their terms change, so always check the current terms on the service's own site. Last checked: 14 October 2026.

## What you are actually trying to find out

Five questions, each answered in a different place. It helps to know what you're looking for up front, because a single total is not enough.

- **Where:** which bodies hold an account for you, whether a pension fund, a provident fund, a study fund or life insurance with a savings component.
- **How much:** the balance in each product separately, not only a grand total.
- **Whether deposits continue:** whether deposits arrive every month, and from which employer.
- **What it costs:** management fees, on deposits and on balance.
- **What cover you have:** insurance for death and loss of earning capacity, and whether products duplicate each other.

## The official ways to check

You don't need a private service to get the picture. These are the official sources, from the broadest to the narrowest:

1. **The pension clearing house: the full picture** — The system is connected to insurance companies, pension funds, provident funds and study funds, and was set up on the Authority's initiative and under its supervision. According to its site it shows which bodies and which accounts or policies hold money for you, how much has built up in each, the deposits, the cover for death and disability, and a projection for retirement age. A one-time registration on the site is required. Per the site, registering is free, but information requests carry a fee set by the legislator. See the current price list on the site.
2. **Har HaKesef: where savings are waiting** — A search engine run by the Ministry of Finance and the Authority, for pension savings and life insurance policies. According to the site, entry is through the national authentication. The gov.il service page makes clear that a result shows the possibility that accounts or policies exist, and the decisive information, including balances and rights, sits with the institutions. Use is intended for private purposes, and running a search with another person's details without their permission may be a criminal offence.
3. **Har HaBituach: policies and cover** — A free site of the Authority that gathers insurance information: policies and service letters with insurance companies, including the premium, and an alert on possible duplicate cover. Entry is through the government authentication system. It is for the insurance file, so you look up fund balances in the clearing house and in Har HaKesef.
4. **The managing body: statement and personal area** — The quarterly and annual statement, and the personal area on the body's site or app, show one product in detail. This is where to go deeper once you know where an account exists.
5. **Your payslip: the other side of the deposit** — The payslip shows the employee deduction and the employer contribution. Compare them with the statement or the clearing house. According to the clearing house's site, the information you receive includes the deposits of the last 12 months, and the employer's name.

*Which question, which service.*

| Question | Where to check |
| --- | --- |
| Which bodies hold accounts for me? | The pension clearing house, or Har HaKesef |
| How much has built up in each product, and what was deposited lately? | The pension clearing house, and the managing body's statement |
| Which insurance policies do I have, and for how much? | Har HaBituach |
| Are my fees high relative to the market? | The managing body's statement, and the Authority's management fee calculator |
| Is my employer depositing? | The payslip against the statement or the clearing house |

> **Watch out — Reach the services through the official addresses**
> The clearing house's site has published a notice about attempts to impersonate it. Reach the services through the addresses in the source list at the end, not through a message or a link you received, and don't hand over identifying details to a site you haven't confirmed is the official one.

## How to read what you get

Results usually look like a list of products, each with a few fields. Go through them in order, product by product, not as a single number. A full explanation of every field is in [how to read a pension statement](https://www.shavve.io/en/articles/how-to-read-pension-statement). In short:

- **Balance and deposits:** is there a balance, and do the latest deposits match your payslips.
- **Management fees:** two rates, on deposits and on balance. To see why the gap between them matters over years, see [how fees eat returns](https://www.shavve.io/en/articles/fee-drag-explained).
- **Insurance cover:** what is covered, to what extent, and what it costs.
- **The product itself:** if you need the difference between a pension fund, a provident fund and a study fund, there is a guide to [pension funds](https://www.shavve.io/en/articles/pension-fund-guide).

## Common findings, and what to check in each

A few things come up again and again. None of them is a recommendation to act. They are questions to look into.

| Finding | What to check |
| --- | --- |
| Several products from previous employers | Whether each has a balance, whether deposits still go in, what its fees are, and whether it carries cover you rely on. |
| A product you didn't explicitly choose | Which body and which track it is in, and what its fees are against your other products. |
| A month with no deposit | What the payslip says for that month, whether the deposit simply hasn't been recorded yet, and what the employer or the managing body says. |
| Duplicate cover | Two products with similar cover: the scope of each, what each costs, and what happens to cover if you change one. |
| Cover that looks missing | Whether the scope fits your family situation and obligations, and who is named as beneficiary. |

> **Key point — Before changing anything**
> Before you transfer, close or merge a product, check what insurance cover it carries and what the change means for you. Such a decision depends on your personal situation, and you can consult a licensed adviser or agent. The Authority publishes a service on its site for finding licence holders.

**Checklist**

- [ ] I've found out which bodies hold accounts for me, including from previous employers.
- [ ] For each product I have: the balance, the date of the last deposit and the employer's name.
- [ ] I compared deposits to the payslips of recent months.
- [ ] I noted each product's fees on deposits and on balance.
- [ ] I reviewed my policies in Har HaBituach, and the cover inside each fund.
- [ ] I know which product is in which investment track.
- [ ] I set a date for the next check.

## What Shavve does here

Shavve is a personal-finance app that brings together, read-only, pension funds, provident and study funds and also insurance, including Har HaBituach. For pensions it shows each product's fees against the published market median and against your own cheapest product, and flags a month with no deposit based on the account's own historical rhythm. It does not move money and doesn't replace a licensed adviser, and it doesn't guess numbers: what isn't connected isn't shown. Shavve holds a financial-information-service licence, supervised by the Israeli Securities Authority.

With all your products in one place you can fold them into your [net worth](https://www.shavve.io/en/articles/net-worth-guide) picture. And if you're curious how apps connect to bank data, that's explained in [open banking, simply](https://www.shavve.io/en/articles/open-banking-explained-simply).

**All your pensions, in one place** Shavve connects your pension funds, provident and study funds, read-only, and shows each product's deposits and fees. Join the waiting list.

**Does checking in the pension clearing house cost money?**
Per the clearing house's site, registering is free, but submitting an information request carries a fee, and the rates were set by the legislator. According to their sites, Har HaKesef and Har HaBituach carry no charge to the user. Check the clearing house's current price list on its site.

**What is the difference between the clearing house and Har HaKesef?**
Har HaKesef is a search engine: it shows where savings or policies exist, and the decisive information sits with the body. The clearing house is a system for requesting information from the bodies, and per its site it returns balances, deposits and cover as well.

**Does Har HaBituach also show my pension fund?**
The site describes itself as gathering insurance information: policies and service letters with insurance companies. You look up balances in pension and provident funds in the pension clearing house and in Har HaKesef.

**I found a fund I didn't know about. What now?**
First find out: which body it is with, whether it has a balance, whether deposits still go in, what the fees are and whether it carries insurance cover. Only then decide what to do. In some products the cover matters, so it's best not to act before checking. You can also consult a licensed adviser or agent.

**A deposit is missing from the statement. Did my employer not deposit?**
Not necessarily. There is a gap between the payslip and the record, and the deposit may simply not be recorded yet. Compare with your payslip, and if the month is still missing, ask your employer and the managing body. It helps to note what you checked and when.

## Sources

- [The pension clearing house: official site (on the initiative and under the supervision of the Capital Market, Insurance and Savings Authority)](https://www.swiftness.co.il/)
- [Har HaKesef: locating pension savings and life insurance policies](https://itur.mof.gov.il/)
- [gov.il: receiving information on pension savings (Hebrew)](https://www.gov.il/he/service/pension_savings_search)
- [Har HaBituach: the Capital Market, Insurance and Savings Authority's site (Hebrew)](https://harb.cma.gov.il/)
- [gov.il: management fee calculator for insurance, pension and provident funds (Hebrew)](https://www.gov.il/he/service/management_fee_calculator)
- [gov.il: Capital Market, Insurance and Savings Authority](https://www.gov.il/he/departments/capital_market_authority/govil-landing-page)