Last updated: 7 November 2026.
NI Pension Check provides free calculators, worksheets and explanatory guides. These terms explain their intended use and the limits of the estimates.
Operator and contact
The site is operated independently by Muhammad Asif. Contact masifacconsultant@gmail.com or use our contact page to report a problem. We are not HMRC, DWP, the Future Pension Centre or the International Pension Centre.
Information, not a personal recommendation
The tools provide general information, not regulated financial advice. They cannot access your National Insurance record, confirm eligibility or guarantee that a payment will increase your pension. Estimates depend on the inputs, tax year and assumptions shown. Transitional rules, contracted-out periods, overseas residence and your individual record can change the result.
Check before paying
Use your official State Pension forecast and ask the relevant government service whether a specific gap will improve your pension before paying voluntary contributions. Confirm eligibility, the exact amount, payment reference and deadline with HMRC. A break-even illustration does not account for every tax, investment or personal circumstance. Read our disclaimer.
Your inputs and exports
You may use your results and downloaded worksheets for your own planning. Avoid entering National Insurance numbers, identity documents or other sensitive information: the tools do not need them. Calculator inputs are processed locally by the calculator code; technical website requests and optional third-party services are separate. See our privacy policy and cookie policy.
Advertising and third-party links
The site may show third-party advertising and links to other providers. An advert is not an endorsement or a pension recommendation. Some links may earn us a commission at no extra cost to you; this does not alter the calculations. See the affiliate disclosure. Third-party services have their own terms, charges and privacy policies.
Accuracy, availability and reporting errors
We aim to explain assumptions and correct errors, but cannot promise uninterrupted availability or that an estimate covers every case. If you report a calculation issue, send the page URL and a non-identifying example. Do not send your complete NI record or pension documents by ordinary email. Nothing in these terms excludes rights or liabilities that cannot lawfully be excluded.
Changes
Rates, rules, tools and these terms may change. Check the tax year and review date on each page rather than treating an earlier result as a current entitlement.