Check whether you can get free credits first: see National Insurance credits.
Quick facts
- Class 3, 2026/27
- £18.40 a week
- Class 2, 2026/27
- £3.65 a week
- How far back
- 6 years
- Deadline
- 5 April each year
- State Pension
- Usually 10 qualifying years minimum
Why gaps matter
Gaps can mean you will not have enough years of National Insurance contributions to either get a State Pension (you usually need at least 10 ‘qualifying years’) or qualify for certain benefits.
Rates
The rates for the 2026 to 2027 tax year are:
- £3.65 a week for Class 2
- £18.40 a week for Class 3
If you’re paying Class 2 contributions for the previous tax year or Class 3 contributions for the previous 2 tax years, you pay the original rate for those tax years.
Who can pay
You can pay Class 3 voluntary contributions if you’re employed and earning less than £129 a week.
You cannot pay voluntary contributions if you do not have gaps in your National Insurance record, are a married woman or widow paying reduced rate National Insurance, or have passed the deadline for paying contributions for the period that has gaps.
From 6 April 2026, the rules have changed if you live or work abroad (or have previously).
Deadline
You can only pay voluntary contributions for the past 6 years. The deadline is 5 April each year.
For example, you have until 5 April 2032 to make up gaps for the tax year 2025 to 2026.
Free credits first
Before paying, check National Insurance credits: carers, parents and people on Universal Credit may fill a gap for free.
Common questions
How much is voluntary Class 3 National Insurance in 2026/27?
£18.40 a week.
How far back can I pay?
The past 6 years. The deadline is 5 April each year.
Is it worth paying?
It can top up your State Pension, but check for free credits first and get guidance before paying.
How many years do I need for a State Pension?
You usually need at least 10 qualifying years.