Most people overpay for pension top-ups because they don't see the gaps in their National Insurance record. We show you exactly which years are missing—and which ones you can actually still fill.
Free preview. Reports from £29.
A full State Pension is £221/week. Each missing qualifying year costs you about £4,300 in today's money.
You can only top up voluntary contributions for the last 6 years. Missing that deadline means permanent loss.
Pension specialists charge hundreds just to review your National Insurance record. Most people guess instead.
Paste employment history, P60s, or payslips. Takes 2 minutes.
Our system reconstructs your work history and identifies which years are missing.
Know exactly which years are fillable before the 6-year deadline passes.
Calculate whether topping up makes financial sense for your situation.
See your timeline and which gaps exist
Free
Detailed breakdown to make your top-up decision
£29
Complete record for your advisor
£49
Check your pension gaps in 2 minutes. Free.
Check your pension gaps now