State pension National Insurance ‘top-up’ deadline approaching.

If you have unpaid National Insurance contributions between 2006 and 2017, you have until April 5, 2023, to maximise your state pension. On 6 April the number of extra years available to purchase will drop to the last six tax years.

The government usually permits you to go back and make up any lost years in the previous six years to assist those who could fall short of the necessary 35 years of contributions. However, when the regulations governing the state pension changed in 2016 the government provided a window for late contributions to be made up from 2006. This window will close on 5 April 2023.

Although topping up may not be the best choice for everyone, for the majority of individuals, it could be a great way to maximise a guaranteed, inflation-linked retirement income.

You can check your national insurance record online via the Gov website here.