Class 4 National Insurance: how much do you need to pay?

1 min read
Last updated 14 Jun 2022

You need to pay Class 4 National Insurance contributions if you’re self-employed and earning over £9,568 a year (in 2022/23).

Most people pay it through your Self Assessment tax return bill.

How much do I need to pay?

In the 2022/23 tax year, your Class 4 National Insurance contributions are:

10.25% per week on profits over £12,570 from July 2023 (and 10.25% on profits above £9,880 between April and July)
3.25% on profits over £50,270.

This is on top of your Class 2 National Insurance contributions (about £3.15 a week).

National Insurance calculator – give it a go!

Your situation

Tax and profit

Total earnings
£49,000
£1,000 tax-free Trading Allowance
?
NI contributions
£3,795
Class 2 NI: £164
Class 4 NI: £3,632
Income tax
£7,086
What you’re left with
£38,119

How your National Insurance contributions are calculated

When you’re self-employed, you have to pay your National Insurance contributions yourself in your annual Self Assessment, together with any income tax you might owe.

National Insurance breakdown

You pay no NI contributions on the first £12,570 that you make.

You will need to pay Class 2 NI worth £164.

You will also have to pay £3,632 (9%) on your income between £12,570 and £48,000.

How can I pay it?

Online or telephone banking (same day)
CHAPS (same day)
At your bank or building society (same day)
BACS (takes about 3 working days)
By cheque through the post (also 3 working days)
Through a Direct Debit (if you have not set one up before, it can take about 21 days)

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Class 4 National Insurance: how much do you need to pay?

How much do I need to pay?