Should you top up your pension ahead of the April NI credits deadline?

A deadline to buy National Insurance credits and top up your state pension is fast approaching. But before you top up yours, here’s why it may not be worth it for some people

Fingers of a man with a currency, representing paying into pension
(Image credit: Getty Images)

You may have heard about the 5 April deadline to buy National Insurance credits and top up your state pension.

This is the window to fill any gaps in your National Insurance (NI) record going back to April 2006.

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Ruth Emery
Contributing editor

Ruth is an award-winning financial journalist with more than 15 years' experience of working on national newspapers, websites and specialist magazines.

She is passionate about helping people feel more confident about their finances. She was previously editor of Times Money Mentor, and prior to that was deputy Money editor at The Sunday Times. 

A multi-award winning journalist, Ruth started her career on a pensions magazine at the FT Group, and has also worked at Money Observer and Money Advice Service. 

Outside of work, she is a mum to two young children, while also serving as a magistrate and an NHS volunteer.