We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

National Insurance calculator

Calculate the amount of National Insurance you can expect to pay in the 2022-23, 2021-22 and 2020-21 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.

You can use our calculator below to work out how your NI contributions will be in the current tax year.

Alternatively, to find out how your bill is calculated, see our guide to National Insurance rates.

We have updated our calculator to reflect the changes the Chancellor announced on Wednesday 23 March 2022 in his Spring Statement and the health and social care levy being introduced in April 2022.

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.

To find out your total bill for 2022-23 you will need to check what you will pay between 6 April and 5 July and then again between 6 July and 5 April and add the two figures together.

You can also use the 'Tax year' dropdown menu to select the current 2021-22 tax years, as well as past tax years to see how your bill compares.

The figures shown (for all years apart from 2022-23) indicate what you'd owe on an annual basis, and assume you've worked for the full tax year.

 

Do I need to pay National Insurance?

For the 2022-23 tax year, between 6 April and 5 July, employees must pay National Insurance if they earn more than £9,880 in the year; from 6 July onwards this threshold will rise to £12,570.

This is up from the current 2021-22 tax year, where National Insurance kicks in on earnings over £9,568 in the year.

The minimum NI thresholds were £9,500 in 2020-21 and £8,632 in 2019-20.

For self-employed workers, Class 2 contributions will only be paid by those whose annual profits exceed £9,880 between 6 April and 5 July, or £12,570 from 6 July onwards. They will also need to pay Class 4 contributions, charged at 10.25%.

Those with earnings between £6,725 and these upper thresholds won't pay Class 2 contributions but will still accrue National Insurance credits.

In 2021-22, Class 2 is paid if self-employed workers earn more than £6,515, in addition to Class 4 if they earn more than £9,568.

For 2020-21, Class 2 contributions kicked in at £6,475, and Class 4 at £9,500.

Our guide to National Insurance rates sets out the full rates and thresholds.

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.

To get a head-start on your tax return, use the Which? tax calculator to work out your tax bill and submit direct to HMRC.

×