The government scheme, allowing anyone who’s worked in the UK to purchase up to 18 missing NI qualifying years, will expire in April 2025.
Buying back these years can help some people add up to £79,300 to their State Pension across their retirement.
If you changed jobs, lived overseas, or were otherwise not contributing to National Insurance through a UK employer from 2006 onwards, you are running out of time to fill in the gaps.
HMRC have stated on their website that “You have until 5 April 2025 to pay voluntary contributions to make up for gaps between tax years April 2006 and April 2016 if you’re eligible.”
Money Saving Expert’s Martin Lewis on X
It’s a lengthy process even for those living in the UK, which is why we offer assistance for people living anywhere from UK qualified financial advisors. The table below shows how much you could add to your UK State Pension income per week, per year and across a 20 year retirement by paying back up to 18 years.
Read more about the UK State Pension here
Our Pension Check service helps you review your NI record for any missing years, and get them back for the lowest cost possible.
Send us your contact info below and we’ll get in touch.
