Voluntary National Insurance Contributions Deadline - 5th April 2025: What You Need To Know

Voluntary National Insurance Contributions Deadline: 5th April 2025
What you need to know
Individuals have until 5 April 2025 to make voluntary National Insurance (NI) contributions to cover gaps in their records between 2006 and 2016. This extension applies to those born after 5 April 1951 (men) or after 5 April 1953 (women).
 
Topping up your NI contributions could significantly boost your State Pension entitlement, making it a valuable consideration for many. 
 
What Does This Mean?
From 6 April 2025, individuals will only be able to make voluntary NI contributions for the previous six tax years. If you have fewer than four qualifying years, this may not be enough to meet the minimum threshold for a new State Pension.
 
You can use the Check your State Pension service on GOV.UK to see if voluntary contributions could increase your pension entitlement. You will need to verify your identity using the Government Gateway - if you have not used this service before, you can register online.
 
How to Pay Voluntary NI Contributions
If you decide to make voluntary contributions - or wish to pay in quarterly instalments - you will need your 18-digit reference number. If you don’t have this, you can request it via HMRC’s helpline on 0300 200 3500 (Monday to Friday, 8am-6pm).
       • Class 2 Contributions: Typically paid by self-employed individuals as part of their Self Assessment tax bill. If not paid via Self Assessment, you can make a payment through the GOV.UK "Pay voluntary Class 2 National Insurance" page. You will need your bank details (account number and sort code) and your 18-digit reference number.
       • Class 3 Contributions: Used to fill gaps in your NI record if required. Payment can be made via the GOV.UK "Pay voluntary Class 3 National Insurance" page. Again, you will need your bank details and 18-digit reference number. 
 
Need More Information? Further details are available on GOV.UK.