See exactly how much employee or self-employed NI you owe. Plus a free NI record review — missing years reduce your State Pension.
| Gross earnings / profit | £0 |
| Less: salary sacrifice / pension adj. | £0 |
| Earnings subject to NI | £0 |
| Primary threshold (tax‑free) | £12,570 |
| Band between PT and UEL (8% or 6%) | £0 @ X% |
| Band above UEL (2%) | £0 |
| Total NI Due | £0 |
A 10-minute accountant review can identify gaps, voluntary contribution options, and ways to correct your NI record before it's too late.
A qualified accountant will check your National Insurance record, estimate potential State Pension shortfall, and quote a fixed fee for filling gaps.
An accountant will contact you within 2 hours. For urgent queries call 01582 340887.
10 million people have gaps in their NI record — many don't realise until they claim State Pension.
Each gap reduces your State Pension by up to £328 per year, forever.
You usually have only 6 years to pay voluntary contributions. Don't miss the deadline.
New Class 4 rules (6%) mean thousands overpay without proper planning.
Real feedback from UK taxpayers we've helped secure their State Pension.
"I had 3 missing NI years and didn't know. Fiscal Umbrella identified them, helped pay voluntary contributions, and my State Pension forecast increased by £984/year. Best £195 I spent."
"Their NI calculator was accurate but the free review uncovered that I was overpaying as a director. They saved me over £1,200 in overpaid contributions. Highly recommended."
"I received a confusing HMRC letter about gaps – they handled everything. No stress, quick filing, and fixed fee. Brilliant service."
| Category | Rate / Threshold |
|---|---|
| Employee Class 1 (PT–UEL) | 8% on earnings £12,571 – £50,270 |
| Employee Class 1 (above UEL) | 2% on earnings above £50,270 |
| Self-employed Class 4 | 6% on profits £12,571 – £50,270, 2% above |
| Voluntary Class 3 (fill gaps) | £17.45 per week (2025/26 estimate) |
You can check your NI record on HMRC online or via State Pension forecast. Our free review identifies gaps and tells you exactly what to do.
Yes, usually for the last 6 tax years. After that, the window closes. We calculate cost vs benefit so you only pay if it increases your State Pension.
No — Class 2 has been abolished for profits above £12,570. You still get NI credits toward State Pension via Class 4 contributions.
Our fixed fee starts at £195 for a complete NI record check, pension impact report, and advice on filling gaps. Complex cases quoted upfront.
Absolutely. We handle HMRC forms, corrections, and voluntary contribution payments. You just get the outcome.
One missing NI year = £328 less every year after retirement. Let us check your record today.
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