Class 3 National Insurance

Class 3 National Insurance is a voluntary payment that you can make if you have gaps in your National Insurance (NI) record and you want to qualify for the state pension.

But not everyone is eligible to pay Class 3 National Insurance. Take a look at the table below to see what you’d be eligible to pay based on your employment status.

Employment status What do I pay?
Employed and earning < £123 – but not eligible for National Insurance credits Class 3
Self-employed with profits < £6,725 Class 2 or Class 3 (depending on the benefits you want to be eligible for)
Self-employed with profits > £6,725 Class 2 (scrapped from 6 April 2024)
You’re employed and have a side hustle but with low earnings and small profits Contact HMRC on 0300-200-3519
You’re a self-employed examiner, religious minister or have an investment, land or property business Class 2 or Class 3 (depending on the benefits you want to be eligible for)
You live and work abroad Class 3 – if you’ve lived in the UK for 3 consecutive years/paid 3 years of contributions
Unemployed but not claiming benefits Class 3
A married woman or widow no longer paying reduced rates Class 3
Living (but not working) abroad Class 3 – if you’ve lived in the UK for 3 consecutive years/paid 3 years of contributions

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