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Use this tool to estimate whether paying voluntary Class 3 National Insurance contributions could be worthwhile for you. It compares total top-up cost against extra State Pension received over retirement and highlights your estimated break-even age. Check your National Insurance record on GOV.UK here. Buy your National Insurance credits here.
The table below shows full-year Class 3 costs for the last 6 tax years, and green cells are the years included in your chosen Years To Buy.
| Tax Year |
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| Cost |
This analysis compares the cumulative extra State Pension you could receive after State Pension age (blue) with the projected value of your top-up cost if that money stayed invested (red). Where the blue line moves above the red line is your break-even point.