Free
2025/26
Should you top up your National Insurance?
Filling gaps in your NI record with voluntary contributions can add years to your State Pension. Often the extra pension repays the cost within a few years — see your numbers below.
Buy back a year, gain a pension for life
Voluntary NI contributions can be one of the best investments an expat ever makes. This shows you exactly how quickly each year pays for itself.
Your situation
Class 3 voluntary contributions are assumed (about £923 per year).
035
110
Expats may be able to pay cheaper Class 2 contributions if they work abroad. Check eligibility before buying — and never buy years that won’t increase your pension.
Does it pay off?
Extra pension for life
£0/yr
£0
One-off cost to buy
0 yrs
Pays for itself in
Guidance, not advice. Simplified illustration using 2025/26 Class 3 rates and the new State Pension. It ignores tax on pension income and assumes each bought year adds full value (not always true near the cap). Confirm with the Future Pension Centre and gov.uk before paying.