UK National Insurance Calculator 2024–25
Enter your gross annual income or self-employed profit to see your National Insurance contributions for the 2024–25 UK tax year (6 April 2024 – 5 April 2025), broken down annually, monthly and weekly, plus your effective NI rate.
£
Employment type
NI contributions for the 2024–25 tax year
£1,794
NI per yearNational Insurance
5.1%
Remaining income
94.9%
- 1
Band 1 earnings
min(35,000, 50,270) − 12,570 = 22,430Earnings between the Primary Threshold and Upper Earnings Limit taxed at 8%. - 2
Band 1 NI
22,430 × 8% = 1,794.4 - 3
Annual National Insurance
Band 1 NI = 1,794.40
How does this calculator work?
UK NI 2024–25: employees pay 8% on earnings £12,570–£50,270 and 2% above; the self-employed pay 6% / 2% on the same bands under Class 4 (Class 2 abolished). Enter gross income to get annual, monthly and weekly NI, plus the effective rate. Income tax is not included.
Formula
How this is calculated
National Insurance (NI) is a UK social-security contribution that funds the state pension, NHS and other benefits. In the 2024–25 tax year (starting 6 April 2024), the government reduced rates from the previous year: Class 1 employee contributions fell to 8% (from 10%) on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), with 2% on anything above that. Class 2 contributions for the self-employed were abolished from April 2024, and Class 4 profits-based contributions were cut to 6% (from 9%) in the same bands.
This calculator computes the purely NI element of your payslip — it does not include income tax, student loan repayments or pension auto-enrolment. For a full take-home figure, combine the NI result with a separate income-tax calculation. Figures assume you are employed in one job or self-employed; if you have multiple employments or other income the actual NI may differ.
All rates and thresholds shown are 2024–25 estimates based on legislation current at the start of that tax year. HMRC may issue corrections or emergency changes — always verify with the HMRC website or a payroll professional for definitive figures.
Frequently asked questions
From 6 April 2024, the employee Class 1 main rate was cut from 10% to 8%, and the self-employed Class 4 main rate was cut from 9% to 6% (the upper 2% rate remained unchanged). Class 2 contributions (a flat weekly charge for the self-employed) were abolished entirely.
No — it calculates only National Insurance. Income tax is a separate calculation with different thresholds and bands. The "Income after NI" figure shown is your gross minus NI only; you would also owe income tax on earnings above the £12,570 personal allowance.
Employers pay their own Class 1 NI (13.8% on employee earnings above £9,100/year in 2024–25). This calculator shows only the employee or self-employed portion — the employer contribution is a cost borne by the business and does not appear on your payslip.
Also known as
TG we-Calculate Editorial Team. (2026). UK National Insurance Calculator 2024–25 [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/national-insurance-uk-calculator
TG we-Calculate Editorial Team. "UK National Insurance Calculator 2024–25." TG we-Calculate. 2026. https://we-calculate.com/calculator/national-insurance-uk-calculator.
TG we-Calculate Editorial Team, "UK National Insurance Calculator 2024–25," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/national-insurance-uk-calculator
@misc{wecalculate_national_insurance_uk_calculator, title = {UK National Insurance Calculator 2024–25}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/national-insurance-uk-calculator}}, year = {2026}, note = {TG we-Calculate} }
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