Question 1

How much is National Insurance in 2025/26?

Accepted Answer

For employed workers, National Insurance is 8% on earnings between £12,570 and £50,270, then 2% on earnings above £50,270. For self-employed, Class 4 NI is 6% between £12,570 and £50,270, then 2% above £50,270.

Question 2

What's the NI threshold before I start paying?

Accepted Answer

You start paying National Insurance when you earn more than £12,570 per year (the primary threshold). This applies to both employed and self-employed workers.

Question 3

What's the difference between Class 1, Class 2 and Class 4 National Insurance?

Accepted Answer

Class 1 is for employed workers (8% employee rate). Class 2 is for self-employed with profits over £6,725 (£3.45/week). Class 4 is for self-employed profits over £12,570 (6% rate). Use our calculator to find your exact contributions.

Question 4

When do I start paying National Insurance?

Accepted Answer

You start paying National Insurance from age 16 when your earnings exceed £12,570 per year. You stop paying Class 1 NI when you reach State Pension age, but may continue paying Class 4 if self-employed.

National Insurance Calculator UK 2025/26