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  • Aged 40 to 73? Urgently consider buying National Insurance years
    Say you buy an NI year that costs you £824 and adds up to £340 each year to your pre-tax State Pension, it's worth it as long as you live at least three years after getting your pension (or three years after you top up, if you're already getting it)
  • Should I top up my state pension? - Which?
    If you have gaps in your National Insurance record you can pay to fill them and boost your state pension Find out how much voluntary contributions cost and how to buy them
  • Should I pay to top up my State Pension? | St. James’s Place
    Currently, Class 3 NICs cost £17 45 per week or £907 40 per year Each year represents 1 35 of the full State Pension, and one year’s additional top-up alone could boost your weekly income by £6 32 a week or £328 64 a year (based on the 2024 25 State Pension) 2
  • Should I top up my state pension with NI contributions?
    Under current rules, you need 35 qualifying years of national insurance (NI) contributions to get the maximum amount when you retire This is £221 20 a week after rising by 8 5% in April 2024 If you have a shortfall, you can make voluntary contributions to fill any gaps from the previous six years You have until April 5 to do this each year
  • Last chance to maximise your State Pension: Should you top up your NICs . . .
    How much do voluntary National Insurance contributions cost? The cost for voluntary contributions will depend on when the gaps in your record occurred The standard cost of buying ‘Class 3’ National Insurance contributions is £17 45 for a week of missing contributions in the 2023-24 and 2024-25 tax years
  • State pension top-up deadline extended again to April 2025
    Spending just over £907 to purchase NI credits could add £7,740 a year to your pension pot – and now the government has extended the deadline to buy back missing credits When you purchase
  • Buying state pension top ups – act now
    For those able to fill gaps between 2006 and 2017, men born after 5 April 1951 and women born after 5 April 1953, the cost for a week is £15 85 If you choose to make a voluntary contribution, you will first need your 18-digit reference number
  • How to top up your State Pension
    How much does it cost? Making up for one year of missed NI contributions will cost you up to £907 40 (2024 25), which will add about £302 64 per year (£5 82 per week) to your pre-tax State Pension There might be occasions where you don’t need to pay the full amount


















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