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National Insurance calculator

Quickly calculate how much you owe in National Insurance if you're earning money from employment or self-employment.
Annual self-employment income
Self-employment expenses
Select tax year
How NI is calculated on your income
No contributions
At 9%
NI contributions you need to make
Class 2 NI: £159
No Class 4 NI on your first £9,500
Class 4 NI at 9% on your next £39,500: £3,555
You also need to pay income tax
View how the income tax is calculated

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How your National Insurance contributions are calculated

As a self-employed you have to pay your National Insurance contributions yourself during your annual Self Assessment, together with any income tax you might owe.

National Insurance breakdown

You pay no NI contributions on the first £9,500 that you make.

You will need to pay Class 2 NI worth £159.

You will also have to pay £3,555 (9%) on your income between £9,500 and £49,000.

What is National Insurance?

National Insurance is a tax that we all have to pay in the UK to be entitled to claim certain state provided benefits. You have to pay it whether you’re employed or self-employed – although the type (or class) that you pay is determined by your employment status. 

Here are some of the benefits that you’re entitled to as a result of paying National Insurance:

  • Job Seeker’s Allowance
  • State Pension
  • Use of the NHS
  • Maternity Allowance
  • Statutory sick pay

What do I pay?

Well, of course, you could just use our National Insurance calculator above to see exactly what you’ll end up paying, but if you’d like a breakdown of the rates, check out the table below.

NI class Who pays How is it paid How much is it
Class 1 Employees earning more than £183 per week who are under State Pension age a year Your employer deducts it through PAYE 12% (or 2% if you earn over £262 a week)
Class 1A or 1B Employers for employees earning over £183 per week Your employer pays it on top of your Class 1 13.8%
Class 2 Self-employed people earning over £6,515 a year Through a Self Assessment tax return Flat £159 per year
Class 3 Voluntary contributions – you can pay them to fill gaps in your NI record Through a Direct Debit £15.30 per week
Class 4 Self-employed people earning over £9,568 a year Through a Self Assessment tax return 9% (or 2% if you earn over £50,270)

Do I pay National Insurance if I earn less than the Personal Allowance?

In short, yes. 

When you earn less than £12,570 in a tax year, you’re exempt from paying Income Tax. The first £12,570 of your income is known as the Personal Allowance. You don’t pay Income Tax on it unless you earn over £100,000, at which point you start to lose your eligibility to it. 

But no matter how much you earn, you’re not exempt from paying National Insurance. The table above shows you how much National Insurance you’ll owe based on your earnings.

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