National Insurance Calculator
Calculate how much you owe in National Insurance if you're earning money from employment or self-employment.
Tax Year: 2024/25
| Total income | - |
|---|---|
| NI contributions | - |
| Take Home Pay | - |
NOTE: Your results will not be saved. This calculator should be used for estimations, capital gains is complicated with potential reliefs available, please get in touch if you have any queries.
What is National Insurance?
You pay National Insurance contributions to qualify for certain benefits and the State Pension. You need a National Insurance number to make sure your National Insurance contributions and tax are recorded against your name only.
Who pays National Insurance
You pay mandatory National Insurance if you’re 16 or over and are either:
- an employee earning more than £242 per week from one job
- self-employed and making a profit of more than £12,570 a year
You usually do not pay National Insurance, but may still qualify for certain benefits and the State Pension, if you’re either:
- an employee earning from £123 to £242 a week from one job
- self-employed and your profits are £6,725 or more a year
Your contributions are treated as having been paid to protect your National Insurance record.
National Insurance classes
There are different types of National Insurance (known as ‘classes’). The type you pay depends on your employment status and how much you earn.
| NI class | Who pays? | How? | How much? |
| Class 1 | Employees earning over £12,570 | Deducted from salary | 8% (or 2% if you earn over £242 per week) |
| Class 1A/1B | Employers | Paid via PAYE | 13.8% |
| Class 2 | Abolished from the 2024/25 tax year | ||
| Class 3 | Voluntary contributions | Direct Debit | £17.45 per week |
| Class 4 | Self-employed earning over £12,570 | Self assessment | 6% (or 2% if you earn over £50,270) |
