National Insurance Calculator (UK 2024/25)
National Insurance (NI) is a UK government contribution that funds the state pension, NHS, and other benefits. Employees pay Class 1 NI on their earnings; employers also pay Class 1 NI on each employee's wages. Self-employed workers pay Class 2 and Class 4 NI instead.
- 1Employee Class 1 NI 2024/25: 8% on £12,570–£50,270, then 2% above
- 2Employer Class 1 NI: 13.8% on earnings above £9,100 (secondary threshold)
- 3Both employee and employer NI fund state benefits separately from income tax
- 4NI contributions count toward state pension eligibility (35 years required for full pension)
£30,000 salary=Employee NI: £1,386/yr · Employer NI: £2,886/yrEmployee: (30,000−12,570) × 8% = £1,394
£60,000 salary=Employee NI: £3,007/yr · Employer NI: £7,044/yrAbove £50,270: only 2% NI on the excess
| Class | Who Pays | Rate | On What |
|---|---|---|---|
| Class 1 (employee) | Employees | 8% / 2% | Earnings £12,570 – £50,270 / above |
| Class 1 (employer) | Employers | 13.8% | Earnings above £9,100 |
| Class 2 | Self-employed | £3.45/week | If profit > £12,570 |
| Class 4 | Self-employed | 9% / 2% | Profit £12,570 – £50,270 / above |
| Class 3 | Voluntary | £17.45/week | Fill NI record gaps |
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Fun Fact
The state pension age is rising to 67 by 2028 and is planned to rise to 68 between 2044–2046. The full new state pension (2024/25) is £221.20/week, or £11,502/year.
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