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HMRC Launches Digital Service for NI Payments

Published by Prerana
Published Date: May 2, 2024

Have you ever thought about the possibility of gaps in your national insurance (NI) record affecting your State Pension? If yes, then you will be glad to know that the government has launched a new digital service "Check your State Pension forecast." The service started on 30 April 2024 and enables citizens to check their State Pension forecast easily and efficiently.

How Does the Digital Service Actually Work?

Through a joint effort by HM Revenue and Customs (HMRC) and the Department for Work and Pensions (DWP), the "Check your State Pension" forecast service offers users a comprehensive overview of their potential State Pension benefits. By simply logging in with their Personal Tax Account details on GOV.UK or the HMRC app, individuals can access personalised information about their State Pension, including any gaps in their National Insurance (NI) record.

Identifying gaps in NI with the new digital service.

If the gaps are identified, the service empowers users to act by offering details of voluntary NI contributions that they can make to fill these gaps. This could potentially increase their State Pension when they retire, providing a valuable boost to their financial security in later life.

A financial secretary explains that this new online service will help UK residents plan for retirement peacefully and will make a real difference.

Who Can Benefit from This Service?

For individuals who have yet to start receiving their State Pension and want to ensure that they fill any gaps in their State Pension income, there is a service available that can help. The deadline for this service has been extended until 5 April 2025, giving people plenty of time to assess their National Insurance (NI) record, explore voluntary contribution options, and make informed decisions about their financial future.

People have until 5 April 2025 to fill any gaps in their NI record between 6 April 2006 and 5 April 2018. After the deadline, people will only be able to contribute to their NI gaps for the previous six tax years, with other limits in place.

It's important to note that this service is not limited to UK residents. Even those who are currently living abroad can utilise it to address gaps in their NI record that were incurred during their time in the UK. However, it's essential to keep in mind that individuals who are already receiving their State Pension, self-employed individuals, and those living abroad with gaps from work overseas are currently not eligible for this service.


The "Check your State Pension Forecast" digital service by HMRC empowers individuals to take control of their retirement planning by providing easy access to vital information about State Pension entitlements. By checking your State Pension forecast and exploring voluntary contribution options, you can proactively enhance your State Pension and ensure a more comfortable retirement. Remember, careful planning and informed decision-making are the keys to a worry-free retirement.

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