National Insurance Calculator - Calculate NI Contributions UK

What is National Insurance?

National Insurance (NI) is a tax paid by UK employees and employers to fund state benefits such as the State Pension, Jobseeker's Allowance, and the NHS. National Insurance is separate from income tax and has its own rates and thresholds.

There are different classes of National Insurance, but for employees, Class 1 National Insurance is the most common.

National Insurance Rates 2025-2026

For employees, Class 1 National Insurance rates for 2025-2026 are:

• Between £12,570 and £50,270: 8% of your earnings
• Above £50,270: 2% of your earnings above this threshold
• Below £12,570: 0% (no National Insurance payable)

These rates apply to your earnings after the primary threshold. Use our National Insurance calculator to see exactly how much you'll pay.

How to Use the National Insurance Calculator

Our National Insurance calculator makes it easy to calculate your NI contributions:

1. Enter your gross annual salary
2. Select UK as your country
3. Enter any additional information (pension contributions, student loans, etc.)
4. Click "Calculate" to see your National Insurance breakdown

The National Insurance calculator will show you:

• Your gross income
• National Insurance contributions
• Income tax
• Your net pay (take-home pay)
• Total deductions

National Insurance Thresholds 2025-2026

Understanding National Insurance thresholds is important:

• Primary Threshold: £12,570 per year - You start paying National Insurance above this amount
• Upper Earnings Limit: £50,270 per year - The rate changes above this amount

Our National Insurance calculator automatically applies these thresholds to calculate your contributions accurately.

National Insurance vs Income Tax

National Insurance and income tax are separate:

• Income Tax: Funds general government spending
• National Insurance: Specifically funds state benefits and the NHS

Both are deducted from your salary through PAYE, but they have different rates and thresholds. Our National Insurance calculator (and tax and NI calculator) shows both deductions separately so you can see exactly where your money goes.

How National Insurance Affects Your Take-Home Pay

National Insurance can significantly affect your take-home pay. For example:

• On a £30,000 salary: Approximately £1,394 per year in National Insurance
• On a £50,000 salary: Approximately £3,016 per year in National Insurance
• On a £75,000 salary: Approximately £3,016 + 2% of earnings above £50,270

Use our National Insurance calculator to see exactly how much you'll pay based on your salary.

National Insurance for Self-Employed

If you're self-employed, you pay Class 2 and Class 4 National Insurance, which have different rates. Our National Insurance calculator is designed for employees who pay Class 1 National Insurance through PAYE.