Free tool · 2026/27

National Insurance calculator 2026/27

Work out your Class 1 and Class 4 National Insurance for 2026/27, plus the employer NI on your salary. Ideal for employees, sole traders and people with both.

  • Class 1 and Class 4
  • Employer NI shown
  • Employed and self-employed
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Free calculator
Free no sign-up needed
  • Updated for 2026/27
  • Instant, private estimate
  • Accountant review available
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£Fixed fees, VAT included
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Free calculator

Estimate your National Insurance

Uses 2026/27 thresholds. Nothing is stored or sent.

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Who it’s for

Who this calculator is for

Anyone paying NI on earnings.

👩‍💼

Employees

Class 1 on your salary.

🧑‍🔧

Sole traders

Class 4 on profits.

🔁

Both

Employed with a side business.

🏢

Employers

See the 15% employer cost.

Packages & prices

Want us to file it for you?

Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.

Starter
Straightforward returns and simple sole traders.
£150
per year · incl. VAT
  • Self Assessment tax return
  • Tax calculation explained
  • Online filing with HMRC
  • Deadline reminders
Start my return
Most popular
Growth
Self-employed, landlords, directors or several income sources.
£250
per year · incl. VAT
  • Everything in Starter
  • Self-employment or rental schedules
  • Expense and allowance review
  • Payments on account planning
Start my return
Complete
Bookkeeping, MTD, several properties, crypto or foreign income.
Quote
fixed fee
  • Everything in Growth
  • Capital gains and crypto
  • Foreign income and relief
  • Making Tax Digital support
Request a quote

All prices include VAT.

What’s included

What the calculator works out

2026/27 thresholds.

  • Class 1 employee NI at 8% and 2%
  • Class 4 NI at 6% and 2%
  • Class 2 status
  • Employer NI at 15% above £5,000
  • Your total NI
  • Combined employed and self-employed
How it works

A seamless, fully online process

Enter your salary

Gross employment pay.

Enter your profit

Self-employed profit.

See your NI

By class.

Plan ahead

Budget for 31 January.

Rates used

National Insurance 2026/27

ClassThresholdRate
Class 1 employee£12,570 to £50,2708%
Class 1 employeeAbove £50,2702%
Class 4 self-employed£12,570 to £50,2706%
Class 4 self-employedAbove £50,2702%
Class 1 employerAbove £5,00015%

How is National Insurance calculated?

In short: employees pay 8% on earnings between £12,570 and £50,270 and 2% above. The self-employed pay Class 4 at 6% and 2% on profits. Class 2 is no longer compulsory.

A worked example

An employee on £35,000 pays 8% on £22,430, which is £1,794. A sole trader with £35,000 profit pays Class 4 of £1,346 through Self Assessment.

Need help?

Our self-employed accountants file your return and our payroll services run PAYE for employers. More on our tax calculators page.

Official guidance: National Insurance rates and categories

Working out National Insurance contributions
✓ Fixed feeagreed before we start
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FAQs

Frequently asked questions

What is the National Insurance rate for 2026/27?
8% for employees and 6% for the self-employed between £12,570 and £50,270, then 2%.
Do the self-employed still pay Class 2?
No longer compulsory. You can pay voluntarily to protect your State Pension if profits are low.
What is employer NI?
15% on earnings above £5,000, paid by the employer.
Do I pay NI over State Pension age?
No NI on earnings after State Pension age.
How is Class 4 paid?
Through your Self Assessment return.
Can you help?
Yes. We file returns and run payroll.

Talk to our self-employed team

Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.

Request your quoteWhatsApp 0161 531 4179
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Wingate Accountants Ltd is an independent firm of Chartered Certified Accountants, providing tax and compliance services to individuals and businesses across the UK.

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