Voluntary Contributions - Gaps 2006 to now, paying initially only 2006 to 2018 possible?

maullwurff

Hallo Forum,
As I understand it you can always(?) fill gaps in the last 6 tax years, even after the 5th April 2025 (please correct me if I am wrong).
 
If gaps from 2006/2007 to 2024/2025 are permitted to be filled,
is it possible to pay just the gaps that will no longer be accepted after 5th April 2025, i.e.: just 2006/2007 to 2019/2020 inclusive.

Looking to save some money in the intial payment.

All hints greatly appreciated

molerat

Yes, you can pay any gaps you wish before the cut off, from 5 April it goes back to the 6 year rule so only 2019-20 onwards will be available.  You can then drip feed as necessary, the best time being up to 2 years after the end of the year before they increase.

QrizB

Yes.

Do you know for certain that pre-2016 gaps will help improve your pension? If you can share your full forecast, we can help you understand it.