Original Research · Updated 2026-07-08

Research

Original UK pension data research from PlainPension, drawn directly from DWP, HMRC, MoneyHelper, and FCA data; every figure is auditable to its source.

UK Pension Wrapper Comparison

Every UK pension wrapper PlainPension covers, State, Workplace DC, Workplace DB, SIPP, Stakeholder, with annual allowance, min access age, tax-free lump sum, employer match, and FSCS protection, sourced live from DWP, HMRC, MoneyHelper, and the FCA.

Class 3 Voluntary NI Contributions, Cost per Qualifying Year

Live comparison: cost of buying one extra qualifying NI year via Class 3 voluntary contributions, against the 1/35th additional State Pension income that year unlocks. Year-by-year break-even analysis, recalculated from the current DWP and HMRC rates.

For our full source-to-publication chain see the methodology page. Publisher: PlainPension.