Understanding your National Insurance record

Your National Insurance record can be checked online to see what contributions and credits you have built up and whether you have any gaps that may affect your State Pension.

The record shows how much National Insurance you have paid up to the start of the current tax year, as well as any National Insurance credits you have received. It also highlights whether any years do not count as qualifying years for your State Pension.

By reviewing your record, you can see if paying voluntary contributions could help fill gaps and improve your State Pension entitlement. The service also provides a State Pension forecast and shows how this may change if you choose to make additional payments, including whether you can pay online and how much it may cost.

To access the service, you need to sign in or create a Government Gateway or GOV.UK One login. You may be asked to verify your identity using photo ID such as a passport or driving licence.

You can also request a printed National Insurance statement online, by phone or by post, although you cannot request details for the current or previous tax year. 

Source:HM Revenue & Customs | 15-06-2026
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Aitch
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.