Voluntary National Insurance contributions, usually Class 3, can fill certain gaps in your record and may increase your New State Pension. You normally need 35 qualifying years for the full rate, but your personal target may differ because of your National Insurance history, including periods contracted out. Check your State Pension forecast and National Insurance record on GOV.UK before paying, as some gaps may not increase your pension. The Future Pension Centre or HMRC can explain your options, but the Department for Work and Pensions makes the final calculation based on your circumstances.