Voluntary National Insurance

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How and when to pay

Find out how to:

If you’re living abroad, read leaflet NI38 and fill in form CF83 (found at the end). Send it back to HMRC using the address on the form.

Deadlines

You can usually pay voluntary contributions for the past 6 years. The deadline is 5 April each year.

For example, you have until 5 April 2024 to make up for gaps for the tax year 2017 to 2018.

If you want to make voluntary contributions for the tax year 2016 to 2017, the deadline has been extended. You have until 31 July 2023 to pay.

You can sometimes pay for gaps from more than 6 years ago, depending on your age.

You’re a man born after 5 April 1951 or a woman born after 5 April 1953

You have until 31 July 2023 to pay voluntary contributions to make up for gaps between tax years April 2006 and April 2016 if you’re eligible.

After 31 July 2023 you’ll only be able to pay for voluntary contributions for the past 6 years. This may not be enough to qualify for a new State Pension if you have fewer than 4 qualifying years on your National Insurance record. You’ll usually need at least 10 qualifying years in total.

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Part of Plan your retirement income: step by step

  1. Step 1 Check when you can retire

    1. Check what age you can get your State Pension
    2. Find out about working after you reach State Pension age
    3. Find out if you can retire early with your workplace or personal pension

  2. and Check how much pension you could get

    1. Find out how much State Pension you could get (your forecast)

    You may also be paying into a:

    1. Find out if you’ll pay tax on your pension
    2. Find contact details for a lost pension

  3. Step 2 Increase your pension

    You might be able to increase the amount you get if you delay your pension.

    1. Find out about delaying your pension

    You might be able to pay voluntary contributions to fill in gaps in your National Insurance record (such as, from when you were not working or claiming benefits).

    1. Check if you can pay voluntary National Insurance contributions

    For advice about increasing your workplace or private pension, speak to a financial adviser.

    1. Find a financial adviser through Unbiased

  4. Step 3 Check what other financial support you could get

    Check what financial help you could get if you:

    You can also get free bus travel if you:

  5. Step 4 Decide when to retire

    1. Get advice on planning your pension and deciding when to retire