# National Insurance Calculator (UK)

URL: https://speedycalculator.com/calculators/finance/national-insurance/
Last updated: 2026-10-25

> The UK National Insurance calculator works out Class 1 NI for employees and employers – or Class 4 NI for the self-employed – for 2026/27, from your salary or profits, per year, month and week.

## Inputs

- Employment type
- Annual salary or profits

## Results

- Your National Insurance (yearly)
- Per month
- Per week
- Employer's National Insurance (employees)
- Effective NI rate

## Formula

```
Employee Class 1: 8% on earnings £12,570–£50,270, 2% above
Employer Class 1: 15% above £5,000 (Employment Allowance may reduce it)
Self-employed Class 4: 6% on profits £12,570–£50,270, 2% above
```

## Explanation

National Insurance builds your entitlement to the State Pension (35 qualifying years for the full new State Pension). Employer NI rose to 15% with a lower £5,000 threshold from April 2025. Class 2 NI is no longer compulsory for the self-employed.

### How to use the National Insurance Calculator

- **Employment type**
- **Annual salary or profits**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Choose employed or self-employed and enter your annual salary or profits.

### Tips

- Rates and thresholds follow the UK tax year, 6 April to 5 April.
- Scotland has its own income tax bands for non-savings income.
- Check your tax code on your payslip – it changes your personal allowance.
- Use HMRC's own tools for a final figure.

### Common mistakes to avoid

- Using last year's thresholds.
- Forgetting student loan and pension deductions.
- Confusing National Insurance with income tax.

### Inputs explained

FieldWhat to enterEmployment typeChoose one: Employee, Self-employedAnnual salary or profitsAmount in £

### What each result means

- **Per month** = [Your National Insurance (yearly)]÷12
- **Per week** = [Your National Insurance (yearly)]÷52

### Example values

How the main result changes when **Annual salary or profits** changes and everything else stays at the example values above:

Annual salary or profitsYour National Insurance (yearly)22,500794.433,7501,694.445,0002,594.456,2503,135.667,5003,360.690,0003,810.6

## Worked example

Inputs — Employment type: Employee; Annual salary or profits: £45,000.

Results — **Your National Insurance (yearly) = £2,594.40**; Per month = £216.20; Per week = £49.89; Employer's National Insurance (employees) = £6,000.00; Effective NI rate = 5.77 %.

## FAQ

**What are the NI rates for 2026/27?**
Employees pay 8% between £12,570 and £50,270 and 2% above.

**What do self-employed people pay?**
Class 4 NI of 6% on profits between £12,570 and £50,270 and 2% above.

**Do I pay NI after State Pension age?**
No – employee NI stops at State Pension age.

**What formula does the National Insurance Calculator use?**
Employee Class 1: 8% on earnings £12,570–£50,270, 2% above.


## Sources

- [GOV.UK – National Insurance rates and categories](https://www.gov.uk/national-insurance-rates-letters)