AUTHOR
Muhammad Asif
Creator and editor of NI Pension Check. I write the guides, build the calculators and check every figure against GOV.UK, HMRC and nidirect.
Professional background
- ACA Affiliate (ICAEW). LinkedIn profile
- Senior accountant with more than nine years’ experience, mainly bookkeeping and year-end accounts for US LLCs
- QuickBooks Certified ProAdvisor (since June 2026)
- Co-founder of AFA Tax and Advisory Services
I am not a Chartered Accountant, a regulated financial adviser or a pensions specialist, and NI Pension Check is not authorised by the FCA. No independent UK pension specialist currently reviews the site. If one does, their name, qualification and review date will be shown on the pages they checked.
How I check a guide
- Every rate, threshold and date comes from a named official page (GOV.UK, HMRC, DWP, nidirect or the Department for Communities), linked in the Sources section.
- Figures are labelled with the tax year they apply to. 2026/27 runs from 6 April 2026 to 5 April 2027.
- Worked examples show the arithmetic so you can repeat it.
- Where GOV.UK pages disagree or look out of date, the guide says so rather than guessing.
- Pages are re-checked when rates change each April and when HMRC or DWP change guidance.
Guides by Muhammad Asif
- Why 35 qualifying years may not give you the full State Pension
- Are voluntary National Insurance contributions worth paying?
- Buying three NI gap years at age 62: a worked example
- Carer's Credit 2026: 20 Hours a Week, How to Claim
- How to check your NI record and read your State Pension forecast
- Child Benefit NI Credits for High Earners: Claim and Opt Out
- How much are Class 3 NI contributions in 2026/27?
- Contracted out before 2016? How your starting amount and COPE work
- Deferring your State Pension: what you get and how long it takes to pay back
- Frozen State Pension Abroad: Which Countries Get Increases
- Grandparents’ NI credits: CA9176 checklist and examples
- Home Responsibilities Protection (HRP): Check Missing Years
- How to Claim State Pension: Invitation Code, Dates, Pay Day
- Inheriting State Pension From a Spouse: 2026 Rules
- Lower Earnings Limit 2026/27: £129 a Week and Qualifying Years
- Married Women's Reduced Rate NI: State Pension Effect
- National Insurance credits: fill gaps without paying
- Over 80 Pension 2026/27: £110.75 a Week Top-Up
- Pension Credit 2026/27: who qualifies and how it interacts with voluntary NI
- Voluntary Class 2 NI for the self-employed
- State Pension age by date of birth: when you reach 66, 67 or 68
- State Pension and Divorce: Pension Sharing and BR20NSP
- State Pension tax in 2026/27: worked income examples
- State Pension in Northern Ireland: How to Claim (2026)
- Voluntary National Insurance contributions: the complete 2026/27 guide
- Break Even Age for Voluntary NI: When Do Contributions Pay For Themselves?
- Voluntary NI contributions from abroad: 2026 rules and how to pay
- Who to Contact About NI and State Pension (2026)
- Working after State Pension age: NI and tax are different
Contact and corrections
Postal address: Saeed Avenue, near U Phone Tower, Muzaffargarh, Punjab, Pakistan
Email: masifacconsultant@gmail.com
To report an error, send the page address and the official source that shows the correct rule. Please do not send your NI number, bank details or pension records.