Save on your tax bill
Members can use GoSimpleTax's tax calculator for £32.50 and avoid accountant fees
Get startedBy clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
National Insurance calculator
Calculate the amount of National Insurance you can expect to pay in 2025-26, 2024-25 and previous tax years
Anyone who earns income in the UK may need to pay National Insurance (NI) - whether you're employed or self-employed.
The amount you pay will vary depending on your income and employment status. To find out how your bill is calculated, see our guide to National Insurance rates and thresholds.
You can use our calculator to work out how much your NI contributions will be in the 2025-26 tax year, but you can also use the 'Tax year' dropdown menu to select past tax years to see how your bill compares.
The figures shown (for all years apart from 2022-23 - more on this below) indicate what you'd owe on an annual basis, and assume you've worked for the full tax year.
We are currently updating this calculator for 2025-26, but you can use it to look at previous tax years. The calculator makes standard assumptions about employed and self-employed people to estimate your tax breakdown. So bear in mind that what you will take home also depends on other factors, such as your pension contributions and student loan repayments - and can vary depending on your tax code.
How did National Insurance change in 2024 and 2025?
There have been a few changes to National Insurance over the last couple of years.
In 2024-25:
- The main Class 4 rate for the self-employed fell from 9% to 6%.
- The Class 2 flat rate was scrapped for the self-employed earning over £6,725. Those earning below that threshold can still voluntarily pay the flat rate at £3.45 a week.
- The Class 1 rate employees pay fell from 10% to 8% on earnings over £12,570 up to £50,270.
In 2025-26:
- The threshold for paying voluntary Class 2 National Insurance rose to £6,845.
- The Class 2 weekly flat rate went up to £3.50.
Our guide to National Insurance rates and contributions sets out the full rates and thresholds.
How do I calculate my NI bill for 2022-23 and 2023-24?
There were several changes to National Insurance rates and thresholds in 2022-23 and in 2023-24, but these have been captured in our calculator.
To find out your total bill for 2022-23 you will need to check what you will pay between 6 April and 5 July, between 6 July and 5 November, and between 6 November and 5 April, and then add the three figures together.
How do I pay National Insurance?
If you're an employee, National Insurance will be deducted from your salary before you receive it, along with any income tax. You can work out your deductions with our income tax calculator.
If you're self-employed, you'll usually need to pay via your self-assessment tax return.
Tackle your 2024-25 tax return with the tax calculator service from GoSimpleTax. It can help you to tot up your tax bill, get tips on where to save and submit your return directly to HMRC.