How does the National Insurance Calculator work?

Employee Class 1 NI 2024/25: 8% on £12,570–£50,270, then 2% above Then: Employer Class 1 NI: 13.8% on earnings above £9,100 (secondary threshold) Then: Both employee and employer NI fund state benefits separately from income tax Then: NI contributions count toward state pension eligibility (35 years required for full pension).

Can you give an example of how to use the National Insurance Calculator?

Example: Input £30,000 salary gives a result of Employee NI: £1,386/yr · Employer NI: £2,886/yr (Employee: (30,000−12,570) × 8% = £1,394).

Is the National Insurance Calculator free to use?

Yes — completely free with no registration, download, or subscription required. All calculations happen instantly in your browser.

How accurate is the National Insurance Calculator?

Our National Insurance Calculator uses verified mathematical formulas and is accurate to multiple decimal places. Results are calculated in real-time using the same methods used by professionals.

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National Insurance Calculator

National Insurance Calculator (UK 2024/25)

Annual salary (£)

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.

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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Did You Know?

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.

References

›HMRC — National Insurance Rates
›GOV.UK — Check Your NI Record
›DWP — State Pension

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National Insurance Calculator

National Insurance Calculator (UK 2024/25)

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National Insurance Calculator (UK 2024/25)