UK State Pension ROI Calculator | Bratu Capital
Planning Tool

UK State Pension
Top-Up Calculator

Calculate whether topping up your National Insurance record is worth it.
For European expats planning retirement across borders.

Adjustable Assumptions

Class 3 years to pay (auto-calculated): 24 years

You need a minimum of 10 qualifying years for any UK State Pension. Current total: 0 years. Consider buying additional years if possible.
Cost Summary
Class 3 total to pay
£22,152
MYR 123,971
Total cost to reach 35 qualifying years
Annual pension at 35 years (today's rate)
£12,548
MYR 70,267
Full State Pension income per year
Do-Nothing Baseline

Your pension at 11/35 years

If you buy 0 Class 3 years, this is what you would receive annually at today's rate.

£3,944
MYR 22,086
Return on Investment
Net gain over 20 yrs
£228,857
MYR 1,281,599
Total pension minus total cost (with triple lock)
Total drawn (20 yrs, no growth)
£251,009
MYR 1,405,650
Flat rate, no triple lock applied
Total drawn (20 yrs, with triple lock)
£337,159
MYR 1,888,090
Nominal, compounded at triple lock rate
What Each Class 3 Year Buys You
Metric Value
Pension added per Class 3 year £358/yr MYR 2,007/yr
Cost per Class 3 yearMonthly equivalent £923 approx. £77/month
Payback per Class 3 yearYears of draw to recover cost 2.58 yrs
Lifetime gain per Class 3 year20 yr draw, no growth, net of cost £4,237 MYR 23,727

You already qualify for the full UK State Pension. No further Class 3 contributions are required.

Next Step

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Model Notes

Class 3 cost held flat at the current-year rate (will likely rise slightly with inflation). Triple lock growth applied to pension income in retirement only, not to contribution cost. All figures nominal (not real/inflation-adjusted) unless stated. Pension drawn figure assumes annual payment. FX rate assumed constant. This is a planning model for educational purposes, not regulated financial advice. Book a call for a personalised analysis of your specific situation.

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