National Insurance Calculator
Work out your 2026/27 Class 1 employee National Insurance, income tax and take-home pay with a band-by-band breakdown and pension options.
Your Earnings
Your yearly pay before tax, NI and pension deductions.
Rates as of June 2026 (2026/27 tax year, confirmed at Autumn Budget 2025). Class 1 employee NI; income tax uses England/Wales/NI bands. Student loan repayments not included.
Results
National Insurance (annual)
£149.53 per month — effective NI rate 5.13%
Income Tax (annual)
Personal allowance £12,570.00
Take-Home Pay
£2,393.30 per month
Total Deductions Rate
Income tax + NI as a share of gross salary
Band breakdown (2026/27)
| Band | Rate | Earnings in band | Amount |
|---|---|---|---|
| NI: £12,570 – £50,270 | 8% | £22,430.00 | £1,794.40 |
| Tax: Basic rate | 20% | £22,430.00 | £4,486.00 |
National Insurance rates are the same across the whole UK, but Scotland has different income tax bands — the income tax and take-home figures above use the England/Wales/Northern Ireland bands. Use our Scottish income tax calculator if you live in Scotland.
Guide & Information
Overview
Simplify your calculations with our National Insurance Calculator optimized for United Kingdom users.
💡 Tips
- •Double-check your input values
- •Understand what each field represents
- •Use the results as a starting point for decisions
Why Use This National Insurance Calculator
Accurate calculations save time and help make better decisions.
Regulations: Complies with current United Kingdom regulations.
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Frequently Asked Questions
How do I use this National Insurance Calculator?
Simply enter the required values and click calculate. The tool will instantly provide results based on United Kingdom standards.
Can I save my calculations?
You can bookmark this page with your values or take a screenshot of results for future reference.
Is this calculator free to use?
Yes, all our calculators are completely free and available 24/7 for United Kingdom users.
Frequently asked questions
How much National Insurance do I pay in 2026/27?
Employees pay Class 1 NI at 8% on annual earnings between £12,570 and £50,270, and 2% on anything above £50,270. On a £60,000 salary that is 8% of £37,700 (£3,016) plus 2% of £9,730 (£194.60) — £3,210.60 a year. The Autumn Budget 2025 left these rates unchanged and froze the thresholds until 2030/31.
Is National Insurance different in Scotland?
No — NI rates and thresholds are identical across the whole UK. Only income tax differs: Scotland sets its own income tax bands and rates, so the income tax and take-home figures in this calculator (which use England/Wales/Northern Ireland bands) will differ for Scottish taxpayers.
Do pension contributions reduce my National Insurance?
Only salary sacrifice contributions do, because they reduce your contractual pay before NI is calculated. Ordinary workplace (net pay) and personal pension contributions save income tax but not employee NI. From April 2029 the Autumn Budget 2025 caps NI-free salary-sacrificed contributions at £2,000 a year, but that does not affect 2026/27.
Why is my actual payslip NI slightly different from this calculator?
NI is normally worked out on each payslip separately rather than cumulatively over the year. This calculator uses the annual method, which matches exactly when pay is spread evenly across the year. One-off bonuses or irregular pay can push more of a single payslip above the weekly/monthly thresholds, slightly changing the total.
Do I pay National Insurance after State Pension age?
No. Employees stop paying Class 1 NI once they reach State Pension age, even if they keep working (employers still pay employer NI). Before that, paying or being credited with NI builds State Pension entitlement — you need 35 qualifying years for the full new State Pension.