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Accept additional cookies Reject additional cookies View cookies. Hide this message. Home Money and tax National Insurance. Voluntary National Insurance. A minimum amount of contributions or credits is required for a year to count as a 'qualifying year' towards your overall contributions record. If you are a man born before 6 April or a woman born before 6 April go to the nidirect page about qualifying for basic State Pension for more information:.
If you are a man born on or after 6 April or a woman born on or after 6 April go to the nidirect page about qualifying for new State Pension for more information:. If you're employed you pay Class 1 National Insurance contributions based on your level of earnings.
If you're self-employed you pay Class 2 contributions at a flat weekly rate and Class 4 contributions annually, based on your level of taxable profits. You may not be able to pay National Insurance, for example if you are ill or caring for someone. The government may give you credits so you can continue building up State Pension entitlement.
Find out who can get National Insurance credits, and whether you need to take action. There could be gaps in your National Insurance contributions record for various reasons. For example, you may have been:. It will tell you how much, if anything, your shortfall is, whether you are able to make up that shortfall, and how you can pay if you wish to do so. These letters are generally sent out between September and January each year.
The letter isn't a demand - but it will tell you how much you can pay if you want to fill the gaps and how you can pay if you opt to do so. You can check whether you're likely to have a gap in your National Insurance contributions record by requesting a State Pension statement from the Future Pension Centre. Their office is in England. How many years NI contributions are needed for a full pension?
How many years of missing National Insurance can I buy? How much do voluntary National Insurance contributions cost in ? Who can pay voluntary National Insurance contributions? State pension top-up FAQ. Those who were self-employed or worked abroad may also have gaps in their record. What are Class 2 and Class 4 voluntary NI contributions? Most people pay the contributions as part of their self-assessment tax bill. How do I pay voluntary National Insurance contributions?
What were Class 3A National Insurance contributions? Plan your finances. Use our pension calculators to build a financial picture for your retirement. Pension tax relief calculator Pension tax calculator Income drawdown calculator. Make your money go further. Find the best deals, avoid scams and protect your savings and investments. Join Which?
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