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National Insurance Calculator (UK 2024/25)

What is National Insurance Calculator?

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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.

Calkulon makes complex calculations simple — built for students and everyday problem-solvers.

How to National Insurance Calculator

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  1. 1Employee Class 1 NI 2024/25: 8% on £12,570–£50,270, then 2% above
  2. 2Employer Class 1 NI: 13.8% on earnings above £9,100 (secondary threshold)
  3. 3Both employee and employer NI fund state benefits separately from income tax
  4. 4NI contributions count toward state pension eligibility (35 years required for full pension)

Worked Examples

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Example 1
Given:£30,000 salary
Výsledok:Employee NI: £1,386/yr · Employer NI: £2,886/yr

Employee: (30,000−12,570) × 8% = £1,394

Example 2
Given:£60,000 salary
Výsledok:Employee NI: £3,007/yr · Employer NI: £7,044/yr

Above £50,270: only 2% NI on the excess

National Insurance Classes 2024/25

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ClassWho PaysRateOn What
Class 1 (employee)Employees8% / 2%Earnings £12,570 – £50,270 / above
Class 1 (employer)Employers13.8%Earnings above £9,100
Class 2Self-employed£3.45/weekIf profit > £12,570
Class 4Self-employed9% / 2%Profit £12,570 – £50,270 / above
Class 3Voluntary£17.45/weekFill NI record gaps

Frequently Asked Questions

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Q

What is National Insurance?

A

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\

Q

How accurate is the National Insurance calculator?

A

The calculator uses the standard published formula for national insurance. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

Q

What units does the National Insurance calculator use?

A

This calculator works with inches, British pounds, percentages. You can enter values in the units shown — the calculator handles all conversions internally.

Q

What formula does the National Insurance calculator use?

A

The calculator applies the standard formula for this type of calculation. See the 'How It Works' steps above for the detailed formula breakdown.

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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.

Len na informačné účely. Tento nástroj nepredstavuje finančné poradenstvo. Pred investičnými alebo finančnými rozhodnutiami sa poraďte s kvalifikovaným finančným poradcom.
Deep Dive

Read the full guide on how to use this calculator effectively

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Formula-verified for precision
Reviewed October 2026
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