National Insurance Calculator 2026/27: NI Rates and Thresholds
Enter your salary to see the National Insurance you pay each year, month and week, alongside your income tax and take-home pay.
Take-home pay
£0.00a year
£0.00a month
Enter your salary to see your take-home pay.
- Effective rate
- 0%
- Marginal rate
- 0%
Based on HMRC rates for the 2026/27 tax year.
National Insurance and take-home pay
| Item | Year | Month | Week | Day | Hour |
|---|---|---|---|---|---|
| Gross pay | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Income tax | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| National Insurance | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Student loan | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Postgraduate loan | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Pension | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Take-home pay | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
Income tax by band
| Band | Rate | Income | Tax |
|---|---|---|---|
| Income tax a year | £0.00 | ||
Cost to your employer
- Employer National Insurance
- £0.00
- Total cost to employer
- £0.00
Yearly figures
National Insurance rates and thresholds 2026/27
These are the Class 1 rates for most employees (category A). Employee National Insurance stops once you reach State Pension age.
| Earnings | A year | A month | A week | Rate |
|---|---|---|---|---|
| Below the Primary Threshold | Up to £12,570 | Up to £1,048 | Up to £242 | 0% |
| Primary Threshold to Upper Earnings Limit | £12,570 to £50,270 | £1,048 to £4,189 | £242 to £967 | 8% |
| Above the Upper Earnings Limit | Over £50,270 | Over £4,189 | Over £967 | 2% |
National Insurance is worked out separately from income tax, which has its own UK tax bands.
Employer National Insurance 2026/27
Employers pay 15% on your earnings above £5,000 a year (£417 a month or £96 a week), on top of your salary.
National Insurance on example salaries
| Salary | Employee NI a year | Employee NI a month | Employer NI a year |
|---|---|---|---|
| £20,000 after tax | £594.40 | £49.53 | £2,250.00 |
| £30,000 after tax | £1,394.40 | £116.20 | £3,750.00 |
| £40,000 after tax | £2,194.40 | £182.87 | £5,250.00 |
| £50,000 after tax | £2,994.40 | £249.53 | £6,750.00 |
| £60,000 after tax | £3,210.60 | £267.55 | £8,250.00 |
| £100,000 after tax | £4,010.60 | £334.22 | £14,250.00 |