National Insurance calculator

Estimate UK NI contributions (Class 1 & 4).

Tax Year

Annual Salary (£)

Annual Gross

£40,000.00

NI Contribution

£2,194.40

Net Take Home

£37,805.60

Planning ahead? Enter your tax payment deadline to see how much you should set aside.

Payment Deadline

How does the National Insurance work?

Determine your total earnings for the tax year.

Check which NI class applies to you (Class 1 for employees, Class 4 for self-employed).

Apply the 0% rate to earnings up to the Personal Allowance threshold (£12,570).

Apply the main rate (8% for employees, 6% for self-employed) to income between £12,570 and £50,270.

Apply the lower 2% rate to any earnings above the higher threshold.

Calculated instantly with up-to-date HMRC thresholds. Our engine ensures 100% accuracy for the current tax year.

Pro Tip: Keep your receipts!

Thresholds: The threshold for starting NI payments usually aligns with the Personal Allowance.

Employment Type: NI rates differ significantly between employees and the self-employed.

State Benefits: Your NI contributions directly impact your eligibility for the State Pension and other benefits.