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While full-time employees have their income tax and National Insurance contributions (NI) paid through their employers (called the PAYE system), as a self-employed you have to calculate and pay them yourself.
Here is how you do it.
Most self-employed people pay NI as part of their Self Assessment tax bill.
You need to pay 2 types of National Insurance in the 2022/23 tax year:
| Contribution | Profits from self-employment | How much you pay |
|---|---|---|
| No contribution | Less than £6,725 | £0 |
| Class 2 | £6,725+ | £3.15 each week |
| Class 4 | £12,570 – £50,270 | 10.25% |
| Class 4 | over £50,271 | 3.25% |
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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.
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.
You don’t pay self-employed National Insurance through Self Assessment if you’re:
You can still make voluntary Class 2 National Insurance payments – for example to make sure you get the full State Pension or to cover gaps in your National Insurance record.
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