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Topping up your state pension

Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?

Topping up UK pension as a Spanish resident
I have been living in Lanzarote since 2016 I have only 5.5 years on my Spanish pension I believe to get a Spanish pension I need at least 18 I am 54 years old and do not think I will manage 18years of contributions here on Spain. I have 21 years in UK pension and have currently got 145£ a week. As I am a Spanish resident…
Is it worth paying for one year ni contributions
My state pension forcast and my estimate are showing a £4.53 a week shortfall.if I pay a one off contribution of £907.40 then I will receive the full forcast amount of £230.25.Thoughts please
Registering for a callback from the Future Pension Centre
I registered online for a callback from the Future Pension Centre as I couldn't get through on the phone, kept being cut off etc. I wanted to speak with them as I'll probably miss their call (if they do meet the 8 week call back time frame) as I'll be abroad (non EU) in a different timezone when I travel in a few weeks. I…
Class 2 or 3 after working in the USA
Hello all: I am past retirement age, but still working. I have three full years of NI paid, and have put in my request prior to April 5th to buy back years, so waiting to hear. My question. Most of my working life was spent in the USA where I paid into social security every year and have the record to prove it. I returned…
Does price of buying 'missing' NI years change?
Hi, Following advice from forumites last year, which was really appreciated, my wife has decided to buy back 2 of the 3 'payable gap' years (£261.80 and £824.20 for 2021/22 and 2022/23 respectively. (The 2023/4 year probably isn't worth it as it would only get her an extra £1.32 as she is close to the maximum). Having…
7 years short on State Pension. Can't see how to pay top up
According to my statement I have 7 years where it says they are not full. If I click on each year it says: "We are checking this year to see if it counts towards your pension. We’ll update your record when this is finished, you do not need to do anything". It's said this for a few months and not changed. The years are 2015…
NI Top Up Deadline Extended To 5th April 2025
Worthy of a post of its own. Cut off date extended to 5 April 25 and prices held at 2022-23 rates until then. https://www.gov.uk/government/news/deadline-for-voluntary-national-insurance-contributions-extended-to-april-2025
Confused re DWP advice
I am nearly 70 years of age, born in 1955 and get a state pension since the age of 66 it is not full payment due to some years of not paying full NI contributions.. I went online to check my missing/short payment years and noticed that 2009/20 was short £348.70 other years 2010/11 up to 2019/2020 were all short £824.20 and…
UK State Pension Top Up Advice Needed
Would really appreciate some advice. I live abroad and based on my CF83 results I am eligible for class 2 contributions for 7*pre-2016 years and 8*post-2016 years. 2024-2025 pension estimate is £142.44 Qualifying years = 24 and these are all pre-2016 My COPE is £54.39 (Thanks for the link molerat) I think my pension…
Can I voluntarty pay for class 2 NI contributions if i'm retired?
Hi guys, I'm reaching state pension age this year but my forecast is showing missing years, as I haven't worked for last ten years due to ill health. (I early retired on public sector pension 2015) My 6 years of missing contributions adds upto £4800+ and I never paid NI once I stopped working. However, for the last 6 years…
Overseas study and CF83 form
Hi there, I'm trying to fill out the CF83 form to pay for gaps in my national insurance record, but I'm encountering a lot of problems. In short, my overseas history is quite complicated and the form is not adequately set up to take it all into account. Some of my time abroad was funded from my own savings, so I was not…
Completion of paperwork before call back from future pensions?
I found out recently I could be eligible to pay voluntary NI contributions for the years I worked abroad 2007-2012. Before and after the time abroad I worked in the UK and continue to live here. I went online, followed the links and it said I'd need to speak to the DWP Future pensions service/ couldn't pay online etc. I've…
Missing the Callback from The Future Pension Centre regarding NI gaps?
I am worried that I may miss my callback from the Future Pension Centre to discuss gaps in my NI. I cannot have my phone with me at work. Does anyone know or had experience of them phoning back if they can't get hold of hold of you?
Pay NI if hoping to move abroad for some years?
Hi all. I would love your advice. My current pension forecast is £221.20 per week which is the maximum but that is based on my continuing to work 19 more years in the UK. Husband and I would love to work abroad for a couple of years with the children... I am currently finishing a course after which we may try. Some years…
TOTALLY CONFUSED - Top up voluntary NI contributions prices after 5 April 2025 for gap years
Sorry if I am repeating another entry.... My situation is that I am currently 5 full years short to obtain the full state pension per Gateway. The actual Tax Gap being 2019-20, 2020-21, 2021-22, 2022-23 & 2023-24. I have 8 years left before I can draw a state pension. I have no intention to work during these 8 years. I…
Pension top up for one year
Edit - thanks all, I think I’ve hit the explanations I need 👍 Hi It’s been a long long time since I was on here 😁 I’m coming up to 60, so will get my state pension at 67, but have already retired so won’t be working between now and then. I’ve just done a check and it’s saying I need 1 more year to get the full state…
Cheaper to buy extra years from abroad
Hi everyone, Wish I'd found this forum sooner! Sorry if the answers are already here somewhere but I'm up against this deadline. So a couple of questions. I lived abroad for a few years (and am doing so again) so I have a gap in my NI contributions - am I right in thinking that I can buy cheaper class 2 contributions for…
Unable to assess whether I should backpay or not? 34 year old with otherwise stable finances
Hi all, Many thanks in advance for anyone reading / commenting. According to Martin's guide, it's likely not worth me making these payments, but I would still feel more comfortable if I could have some third-party comments on my situation. I have 6 full NI years on my record, and this is my current NI gap situation: Those…
Missing Gap Years - Cheapest Year Ignored
I am due to receive my state pension in about 3 and a half years time.After checking online I see that I am 3 years short of getting a full pension, and would like to buy those 3 years.I am no longer working so won't be paying anymore NI contributions.When checking my missing payable gap years online, (I have 10), the 3…
National Insurance gap why so much?
Hi, I have a gap for 2022 to 2023 for £500 and a gap for 2023 to 22024 for £900. I don't understand why the amounts to be paid are so high as I was solely self-employed for those tax years and my SE profits from 2022 to 2023 were only £1800 and £2500 for 2023 to 2024. I thought that the class 2 N.I. rate was around £160 to…

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Topping up your state pension

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