Check your National Insurance contributions online!

Published: 08/05/2024 By Hannah Duncan

HMRC's new tool allows you to check for potential gaps in your National Insurance payments dating back to 2006. This joint service with the Department for Work and Pensions (DWP) calculates if additional contributions could be needed for you to receive your full state pension upon retirement.

With the state pension age rising (from 66 to 67 between 2026-2028), it's crucial to plan ahead. The new calculation tool shows potential pension increases if voluntary NI contributions were to be made, it also allows, if necessary, for voluntary NI payments to be made to fill any gaps. The tool allows you to choose specific missing years you may wish to pay for utilising its secure online payment service.
 
The deadline for extended contributions is 5 April 2025 read our blog on Further extension of NI contributions for more details on what period it covers.

After this date, you can only pay voluntary contributions for the previous 6 tax years.
 
HMRC have advised that while payments don't always increase your pension, it's worth checking or seeking advice. It’s also worth noting that it is dependent on each individual circumstance, including age. You will need to take into consideration how many more full years of paying NI contributions you have left as a taxpayer; even if you currently have gaps in your NI, you may still have enough working years paying NI to receive a full state pension without the need to top up previous gaps.

The new tool can be accessed through your Personal Tax Account or the HMRC app. Don't have an account - you can also sign up through the personal tax account link.
 
As financial advisors we suggest checking NI contributions to avoid losing pension entitlements. Take control of your retirement planning today, for more tailored advice get in touch today call us on 020 8661 7878 or email advice@turpinba.co.uk

Read more on NI contributions in our recent blogs:

Extended time for NI payments

Pay Missing National Insurance