National Insurance Calculator

Calculate UK National Insurance contributions for employees and employers. Understand your Class 1 NI contributions based on your salary.

Note: Rates are based on 2024/25 UK tax year. Rates and thresholds may change.

UK Tax Year: This calculator uses current UK National Insurance rates and thresholds for the 2024/25 tax year. Rates and thresholds may change, so always verify with HMRC for the most current information.

What is National Insurance?

National Insurance (NI) is a UK tax on earnings and self-employed profits. It funds state benefits including the State Pension, Jobseeker's Allowance, and Employment and Support Allowance. Both employees and employers pay National Insurance contributions.

Class 1 National Insurance applies to employees and is deducted from your salary. Your employer also pays Class 1 employer contributions on your earnings.

How to Use the National Insurance Calculator

  1. Enter annual salary: Input your gross annual salary before tax and National Insurance.
  2. Calculate: Click "Calculate NI" to see your employee NI contributions, employer NI contributions, and total NI.

National Insurance Rates (2024/25)

Employee National Insurance (Class 1)

  • • Primary threshold: £12,570 per year (£1,048/month, £242/week)
  • • Rate between threshold and upper limit: 8%
  • • Upper earnings limit: £50,270 per year (£4,189/month, £967/week)
  • • Rate above upper limit: 2%

Employer National Insurance (Class 1)

  • • Secondary threshold: £9,100 per year (£758/month, £175/week)
  • • Rate above threshold: 13.8%

Frequently Asked Questions

What are the different classes of National Insurance?

Class 1 is for employees, Class 2 is for self-employed with profits above £6,515, Class 3 is voluntary contributions, and Class 4 is for self-employed with profits above £12,570.

Do I pay National Insurance if I'm self-employed?

Self-employed individuals pay Class 2 and Class 4 National Insurance instead of Class 1, based on their profits rather than salary.

Can I reduce my National Insurance contributions?

You can't reduce Class 1 employee contributions, but salary sacrifice schemes can reduce employer NI. Self-employed individuals may be able to reduce contributions through business expenses.

What happens if I earn below the threshold?

If you earn below the primary threshold (£12,570), you don't pay employee National Insurance, but you may still receive NI credits towards your State Pension.

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Tax Calculator →Payroll Calculator →

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