Better than that for me.
1 year is covered if I work until April this year.
Another year needs £32 paid to make it up to the full amount.
The 3rd year needs £720 to make it up.
However, as I intend to work at least until April 2025, there seems little point in paying up either year ?
Pensionners should for sure pay Income Tax if they qualify.
I have wondered before if they should be exempt from Stamp Duty on house purchases so as not to be discouraged from moving to more suitable housing.