It is recommended to check your National Insurance record as this can affect your future entitlement to the State Pension and other benefits.
By using the online service, you can see what National Insurance contributions you have paid up to the start of the current tax year, along with any National Insurance credits you have received. The record also highlights whether there are gaps in your contribution history. This will highlight tax years that do not count as qualifying years for State Pension purposes. These gaps can arise for a variety of reasons, such as periods of low earnings, time spent working abroad or career breaks.
The service also shows whether you are eligible to make voluntary National Insurance contributions to fill any missing years and how much this would cost. Importantly, it allows you to see how your State Pension forecast could change if you decide to make those additional contributions, helping you decide whether paying voluntarily contributions would be beneficial.
Source:HM Revenue & Customs | 26-01-2026
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Aitch is the visionary founder and CEO of CIGMA Accounting Ltd, a boutique accounting and tax advisory firm with offices in Wimbledon and Farringdon, London. With over a decade of experience, Aitch has built a reputation for strategic tax planning, complex HMRC compliance resolution, and innovative AI-powered accounting workflows that help SMEs, landlords, and high-net-worth clients streamline their finances.
His expertise spans corporation tax, inheritance tax planning, R&D tax credit claims, capital allowances, and international tax matters, making him a trusted advisor for clients seeking to minimise tax liabilities while staying fully compliant.
Aitch is passionate about bridging traditional accounting principles with cutting-edge digital solutions, allowing businesses to operate efficiently and future-proof their financial systems. Through CIGMA, he aims to make accounting smarter, faster, and more human-centric - empowering clients to focus on growth while staying ahead of regulatory changes.
