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  1. Decide how many NI years to buy. Do note that you don't need to buy all the NI years you want in one go (though you will need to buy any between 2006 and 2017 before 5 April 2025). Contact HMRC to get an 18-digit reference number.

  2. Mar 30, 2021 · The maximum you can buy at the moment is 14 years, 2006-07 to 2019-20. The article was likely produced in 2016 when the maximum was 10 buying back to 2006-07 - a concession brought in with the new pension to ensure everyone could get at least the minimum required to be entitled to any pension.

    • If you live or work outside the UK
    • Deadlines
    • Getting help

    If you live or work abroad (or have previously), find out what you need to do before paying voluntary National Insurance contributions.

    Check if you need to pay National Insurance if you work abroad.

    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 2026 to make up for gaps for the tax year 2019 to 2020.

    If you want to make voluntary contributions for the tax years 2016 to 2017 or 2017 to 2018, the deadline has been extended. You have until 5 April 2025 to pay.

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

    Contact HM Revenue and Customs (HMRC) if you have questions about voluntary National Insurance.

  3. Voluntary National Insurance contributions can help make sure you have enough qualifying years to get the full State Pension. If you have gaps in your record, you might be able to make voluntary contributions to fill them.

  4. Sep 11, 2024 · You can top up your state pension if you have gaps in your National Insurance record. Find out how much voluntary contributions cost and how to buy them.

  5. Oct 27, 2022 · You reached SPA in the 2018-19 tax year and your last paid up year was 2017-18. If there are no previous gaps then you cannot make anything up, there is nothing available to buy. Your NI record will tell you if a year is available to buy.

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