IMPORTANT UPDATE:
New 2026 UK Rules re Voluntary National Insurance Contributions (VNICs)

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Common Scenarios Costs & Expected Pension

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New 2026 Rules: What has changed with voluntary National Insurance Contributions?
New 2026 Rules: Is the cheap Class 2 rate being abolished entirely for people outside the UK?
New 2026 Rules: “Class 3 is far too expensive - It's obviously not worth it!”
 New 2026 Rules: What if I can’t afford to buy all past or future years at once?
New 2026 Rules: Who qualifies to apply to buy VNICs after 6 April 2026?
New 2026 Rules: What happens to people who haven’t lived/worked in the UK for 10 continuous years?
New 2026 Rules: If I apply now, can I still get cheap past years?
New 2026 Rules: Will applying to pay VNICs now protect me from the rule changes?
New 2026 Rules: What happens if I already pay Class 2 and I'm outside the UK?
New 2026 Rules: What is XtraPension's ‘Pension Keeper’ Service?

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XtraPension is a specialist execution-only service that helps people globally apply for and maximise their UK state pension entitlements. We do not offer pension or financial advice nor do we handle client money intended for HMRC. If in doubt, please contact a financial advisor.

Quotes by journalists like Martin Lewis, Maya Fisher-French etc regarding the UK State Pension TopUp opportunity are not endorsements by them of XtraPension Ltd.
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Your application to pay voluntary National Insurance contributions will be submitted by an approved and official HMRC Agent. XtraPension Ltd is an Irish company (749802)
This website uses rounded Euro approximations to explain the overall HMRC process, estimated costs and benefits in a simple jargon-free way.

Where we say €200 for a cheap (Class 2) year or €1,000 for expensive (Class 3) years, the actual figures are STG £179 and STG £907 per year respectively.

Where we say a full UK state pension is €14,000, the actual figure is STG £11,973 (Effective April 2025).
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