National Insurance Calculator (UK)
Your employee NI for 2025/26, with the band-by-band breakdown.
✓ 2025/26 thresholds · updated June 2026
| Band | Earnings in band | Rate | NI |
|---|---|---|---|
| Up to £12,570 | £12,570 | 0% | £0 |
| £12,570 – £50,270 | £22,430 | 8% | £1,794.4 |
| Above £50,270 | £0 | 2% | £0 |
Employee Class 1 contributions, 2025/26, annualised thresholds. The self-employed pay Class 4 at different rates.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
Enter your gross annual salary to see exactly how much employee National Insurance you pay in 2025/26: nothing below £12,570, 8% between £12,570 and £50,270, and 2% above that. The band table shows how much of your salary falls in each band and what it costs you.
How to use the National Insurance Calculator
- Enter your gross annual salary.
- Read your monthly, annual and weekly NI.
- Check the band table to see how the total is built up.
Frequently asked questions
What are the NI rates for 2025/26?
Employees pay 8% on earnings between the primary threshold (£12,570/year) and the upper earnings limit (£50,270/year), then 2% on everything above — cut from 12%/10% in 2024.
Does NI affect my State Pension?
Yes. Years where you pay (or are credited with) NI count toward the 35 qualifying years needed for the full new State Pension — check your NI record on GOV.UK for gaps.
Do the self-employed pay the same?
No — the self-employed pay Class 4 NI through Self Assessment (6% between £12,570 and £50,270, 2% above) and no longer pay Class 2.