Tax calculator
National Insurance calculator 2026/27
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying.
Last updated: .
Estimate the National Insurance you’d pay in the 2026/27 tax year as an employee (Class 1) or on self-employed profits (Class 4). Rates are the same across the UK.
Illustrative only, not financial or tax advice. Results depend entirely on the figures you enter. Figures filled in below are labelled “Example figure” — they aren’t recommendations.
Estimate your National Insurance
Your illustrative results
- National Insurance for the year
- –
- Per month
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- At the main rate
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- At 2%
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Total across both rates.
Yearly figure ÷ 12.
8% (Class 1) or 6% (Class 4).
On earnings above £50,270.
| Part of earnings | Amount | Rate | NI |
|---|
How this calculator works
Employers work out Class 1 for each pay period, so if your pay varies, your actual NI can differ from this yearly estimate. Married women’s reduced rate, deferment, directors’ annual earnings periods and employer NI aren’t included. Results are rounded to the penny.
The formulas we use
Class 1 (yearly equivalent): 8% × (pay between £12,570 and £50,270) + 2% × (pay above £50,270)
Class 4: 6% × (profit between £12,570 and £50,270) + 2% × (profit above £50,270)
National Insurance rates 2026/27
| Class | Earnings | Rate |
|---|---|---|
| Class 1 (employee) | £242 to £967 a week (£12,570 to £50,270 a year equivalent) | 8% |
| Class 1 (employee) | Over £967 a week | 2% |
| Class 4 (self-employed) | Profits £12,570 to £50,270 | 6% |
| Class 4 (self-employed) | Profits over £50,270 | 2% |
| Class 2 (voluntary) | Optional | £3.65 a week |
Source: GOV.UK, checked 4 October 2026. Class 2 is treated as paid for profits of £7,105 or more.
FAQ
Is National Insurance different in Scotland?
No. The rates and thresholds are the same across the UK.
Do I pay Class 2 if I’m self-employed?
For 2026/27, Class 2 is treated as paid if your profits are £7,105 or more. Below that, you can choose to pay £3.65 a week to protect your record.
Why might my payslip differ?
Class 1 is worked out per pay period, not yearly, so uneven pay can change the total.
Does this include employer NI?
No, only what you pay.
Does this calculator store my figures?
No. Everything is worked out in your browser.
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