National Insurance Calculator

Calculate your UK National Insurance contributions for the 2025/26 tax year

This National Insurance calculator provides accurate estimates for Class 1 (employed), Class 2 and Class 4 (self-employed) NI contributions based on current HMRC rates for the 2025/26 tax year. Includes both employee and employer NI calculations.

Employment Status & Income

Your Details

Employment Status

Employed (Class 1 NI)

Self-employed (Class 2 & 4 NI)

Annual Salary: £40,000

£0£160,000+

Or enter amount manually

National Insurance Breakdown

Understanding National Insurance Classes

Class 1 NI (Employed)

• Paid by employees and employers
• Employee rate: 8% (12,570-50,270), 2% above
• Employer rate: 15% on earnings above £5,000
• Builds entitlement to State Pension and benefits

Class 2 & 4 NI (Self-employed)

• Class 2: £3.45/week if profits over £6,515
• Class 4: 6% (12,570-50,270), 2% above
• Class 2 builds State Pension entitlement
• Paid through Self Assessment