UK National Insurance Calculator
Calculate your National Insurance contributions for the 2025/26 or 2024/25 tax year. Supports both employed (Class 1) and self-employed (Class 2 + Class 4) workers.
Total National Insurance
£1,794
per year
Effective NI Rate
5.13%
of gross income
Employment Type
Employed
| Class | Annual Amount |
|---|---|
| Class 1 (Employee) | £1,794 |
| Total | £1,794 |
Frequently Asked Questions
What are the different classes of National Insurance?
Employees pay Class 1 NI, which is 8% on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), and 2% on earnings above that. Self-employed workers pay Class 2 NI (a fixed weekly rate if profits exceed the Small Profits Threshold) and Class 4 NI (6% on profits between the Lower Profits Limit and Upper Profits Limit, plus 2% above).
What are the 2025/26 National Insurance thresholds?
For 2025/26, the employee Primary Threshold is £12,570 per year and the Upper Earnings Limit is £50,270. For self-employed workers, the Lower Profits Limit is £12,570 and the Upper Profits Limit is £50,270. Class 2 NI applies if profits exceed the Small Profits Threshold of £12,570.
Do I pay National Insurance on all my income?
No. National Insurance is only charged on earnings above the relevant threshold. As an employee, you pay nothing on the first £12,570 of earnings. As a self-employed person, Class 4 NI is only charged on profits above £12,570. There is no NI on investment income, rental income, or pension income.