State Pension Top-Up Calculator

Your top-up

See if paying voluntary National Insurance to fill gaps pays for itself. Updates live.

Missing NI years you could buy

years

Years you expect to draw your State Pension

years (UK average is roughly 20)

I'll pay 20% income tax on the extra pension

Check your gaps first

View your actual NI record and State Pension forecast on GOV.UK before paying anything, and call the Future Pension Centre to confirm a top-up will increase your pension. Some years won't.

Lifetime gain

Cost to buy year(s)
Extra pension per year
After 20% tax
Pays for itself in
Total extra over retirement

return on cost

extra pension

Check your forecast on GOV.UK

Estimate only. Always confirm with the Future Pension Centre before paying.

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