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Posted Sun, 25 Jun 2023 19:23:59 GMT by
Hi, I am just 2 months from receiving my state pension. I have paid additional contributions to plug gaps, which have all been added correctly. However, to maximise my pension, I need to know how much to pay for 2022 - 2023 as I know I will have to top up. As your systems are not yet updated and I suspect they will not be over the next 2 months, can I pay for this top up after my pension has started and will my pension then be updated in line with this additional year's contributions? Thank you.
Posted Thu, 29 Jun 2023 10:23:12 GMT by HMRC Admin 20 Response
Hi David Greedy,

You can make voluntary contributions after you reach state pension age (SPA).
However, any payments made after SPA will only back date pension payments to the date of receipt of the payment.
If you had no employment, self employment or credits of any kind on your account – you can make the 22/23 payment now.
Although your Personal Tax Account is unlikely to be updated before you reach SPA – it may be worth while speaking to our National Insurance Helpline (0300 200 3500).
They may be able to give you more information on paying 22/23 before SPA based on your individual circumstances. 

Thank you.

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