National Insurance Credits

aphill24

Hi, I am currently 3 years short of paying national insurance to obtain a maximum state pension. I am £11 short. I am a 20% tax payer through my company pension, I was made redundant in 2020 and I am currently working part time for a gardening business. I work 18 hrs a week and get payed £180 through PAYE. My earnings are above the £123 you need to earn to benefit from NI credits but below the £242 where I actually pay NI.
My question is how much credit do I earn towards gaining my full years credit working part time and if I up my hours to 20 hrs/week will I be better off 
Thanks in advance 

NedS

aphill24 said:

Hi, I am currently 3 years short of paying national insurance to obtain a maximum state pension. I am £11 short. I am a 20% tax payer through my company pension, I was made redundant in 2020 and I am currently working part time for a gardening business. I work 18 hrs a week and get payed £180 through PAYE. My earnings are above the £123 you need to earn to benefit from NI credits but below the £242 where I actually pay NI.
My question is how much credit do I earn towards gaining my full years credit working part time and if I up my hours to 20 hrs/week will I be better off 
Thanks in advance 

If your earnings are under the LEL of £6396/year, then you would need credits (or conts) for 50 of the 52 weeks for the year to count as full.

https://www.gov.uk/government/publications/rates-and-allowances-national-insurance-contributions/rates-and-allowances-national-insurance-contributions

aphill24

NedS said:

aphill24 said:

Hi, I am currently 3 years short of paying national insurance to obtain a maximum state pension. I am £11 short. I am a 20% tax payer through my company pension, I was made redundant in 2020 and I am currently working part time for a gardening business. I work 18 hrs a week and get payed £180 through PAYE. My earnings are above the £123 you need to earn to benefit from NI credits but below the £242 where I actually pay NI.
My question is how much credit do I earn towards gaining my full years credit working part time and if I up my hours to 20 hrs/week will I be better off 
Thanks in advance 

If your earnings are under the LEL of £6396/year, then you would need credits (or conts) for 50 of the 52 weeks for the year to count as full.

https://www.gov.uk/government/publications/rates-and-allowances-national-insurance-contributions/rates-and-allowances-national-insurance-contributions

My earnings are £17k pension and 180 x 52 = £9,360 so £26,360

molerat

If you are earning £180 per week you will be getting NI credits for each week.

sheramber

aphill24 said:

NedS said:

aphill24 said:

Hi, I am currently 3 years short of paying national insurance to obtain a maximum state pension. I am £11 short. I am a 20% tax payer through my company pension, I was made redundant in 2020 and I am currently working part time for a gardening business. I work 18 hrs a week and get payed £180 through PAYE. My earnings are above the £123 you need to earn to benefit from NI credits but below the £242 where I actually pay NI.
My question is how much credit do I earn towards gaining my full years credit working part time and if I up my hours to 20 hrs/week will I be better off 
Thanks in advance 

If your earnings are under the LEL of £6396/year, then you would need credits (or conts) for 50 of the 52 weeks for the year to count as full.

https://www.gov.uk/government/publications/rates-and-allowances-national-insurance-contributions/rates-and-allowances-national-insurance-contributions

My earnings are £17k pension and 180 x 52 = £9,360 so £26,360

Pension isn't earnings , it is income.

You do not pay NIC on pension income.

Your earnings are your are your wage from the part time employment.