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National Insurance Calculator

Working out your National Insurance (NI) can feel overwhelming. But don’t worry, we’ve made it simple. Just enter a few details, and our calculator will take care of the rest. It tells you exactly how much NI you need to pay, whether you’re employed, self-employed, or doing a bit of both. Quick, easy, and no stress.

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Total Earnings

£0

Income Tax

£0

NI Contribution

£0

What you’re left with:

£0

What is National Insurance?

Think of National Insurance as your contribution to the UK’s public services. It helps fund the NHS, state pensions, and other benefits. If you earn above a certain amount, you’ll need to pay NI. It’s just part of working life. But the good news? Understanding it doesn’t have to be complicated.

NI Rates for 2024/2025

NI rates can change each year, so staying up-to-date matters. Here’s what you need to know for the 2024/2025 tax year:

Class 1 (Employees):

Employee Contributions:
- 10% on earnings between £12,571 and £50,270.
- 2% on earnings above £50,270.
Employer Contributions:
- 13.8% on earnings above £9,100.

Class 4 (Self-Employed):

9% on profits between £12,570 and £50,270.
2% on profits above £50,270.

Who needs to pay National Insurance?

Most people who work in the UK will pay NI, including:

Employees:

Earnings Threshold: Individuals earning over £242 per week are liable for NI contributions.
Age Requirement: Employees must be over 16 and under the state pension age.

Self-Employed:

Class 4 Contributions: Payable at 9% on profits between £12,570 and £50,270, and 2% on profits above £50,270.

If you’re working but earning under these thresholds, you might not need to pay—however, keeping up voluntary contributions could help you qualify for certain benefits later on.

How to reduce National Insurance Contributions

Looking to keep more of your hard-earned cash? Here are a few ways to lower your NI bill:

Check your tax code – A wrong code could mean you’re overpaying.
Salary sacrifice schemes – Some employers offer schemes that reduce taxable earnings.
Claim your tax refund – If you’ve overpaid, you might be due a rebate (we can help with that!).
Use allowances and reliefs – Certain self-employed expenses can lower your overall tax bill.

Why pay more than you need to? Our National Insurance calculator can help you check if you’re on the right track.

Got a question? Need help with tax refunds? We’ve got your back. Check out our Tax Refund Calculator, or get in touch with us today!

More on National InsuranceRead our guide on National Insurance contributions

What is National Insurance and why do we pay it? Click the button below to read more.

National Insurance Contributions

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