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State pension/National insurance query.

5 replies

natalieplusone · 28/02/2025 09:38

I am a SAHM. Child is due to start High School in September and I would like to go back to work so that I can earn enough to qualify for full state pension when I retire. I only need to do ten more years to qualify, but does anyone know what is minimum I would need to earn to qualify? One website says £123 a week and another £242 a week.

OP posts:
Iwontlethtesungodownonme · 28/02/2025 09:50

I can certainly see why you are confused.
Not sure what the actual answer is.

Iwontlethtesungodownonme · 28/02/2025 09:54

12.2 answers it
https://www.ageuk.org.uk/siteassets/documents/factsheets/fs19_state_pension_fcs.pdf

Badbadbunny · 28/02/2025 10:19

You do not start to pay NI contributions until your earnings reach £242 a week. If you earn between £123 and £242, you are treated as though you pay NI contributions and build up qualifying years that count towards entitlement to the State Pension and other contributory benefits.

rainbowunicorn · 28/02/2025 13:59

You need to earn the minimum of £123. You won't pay NI but will get the credits towards state pension.
Have you actually checked your personal forecast via government gateway or are you just assuming that you need 35 years?
If your NI record Started before 2016 your number of years needed could vary from anything between 29 and 45 years.

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