Class 3 NI buy-back calculator
One slider, four numbers out. The fastest way to see whether voluntary NI is worth it for you.
Class 3 buy-back calculator
Total cost
£4,615.00
Weekly pension uplift
£34.47
Annual pension uplift
£1,792.51
Payback period
2y 7m
20-year lifetime gain
£35,850.29
Class 3 voluntary NI is £17.75/wk (£923/year) for the 2026/27 tax year1. Each year added lifts your weekly State Pension by about £6.89, capped at the 35-qualifying-year ceiling. Before paying, call the Future Pension Centre on 0800 731 0175 to confirm the years would lift your figure.
By Oliver Wakefield-Smith, Founder, Digital Signet.
Rates current for 2026/27 · Verified Q2 2026 · Next refresh after Autumn Budget 2026