UK National Insurance Calculator
Calculate your National Insurance contributions for 2024/25 tax year
Your National Insurance Results
Comprehensive Guide: How to Calculate National Insurance in the UK
National Insurance (NI) is a fundamental part of the UK’s social security system, funding state benefits including the State Pension, Maternity Allowance, and Jobseeker’s Allowance. Understanding how to calculate your National Insurance contributions is essential for financial planning and ensuring you qualify for these benefits.
What is National Insurance?
National Insurance is a tax on earnings paid by employees, employers, and the self-employed. The amount you pay depends on:
- Your employment status (employed or self-employed)
- How much you earn
- Whether you have any gaps in your National Insurance record
- Your National Insurance category letter
National Insurance Categories
Your category letter determines how much National Insurance you pay. The most common categories are:
| Category | Who it applies to | 2024/25 Rate |
|---|---|---|
| A | Most employees | 12% on earnings between £242 and £967 per week 2% on earnings above £967 per week |
| B | Married women and widows with a valid certificate | 5.85% on earnings between £242 and £967 per week |
| C | Employees over State Pension age | No National Insurance due |
| H | Apprentices under 25 | 0% on earnings below £967 per week 2% on earnings above £967 per week |
National Insurance Thresholds for 2024/25
The amounts you pay depend on how much you earn and whether you’re employed or self-employed:
For Employees (Class 1 National Insurance):
- Primary Threshold: £242 per week (£1,048 per month, £12,570 per year)
- Upper Earnings Limit: £967 per week (£4,189 per month, £50,270 per year)
- Above Upper Earnings Limit: 2% on all earnings
For Self-Employed (Class 2 and Class 4 National Insurance):
- Small Profits Threshold: £6,725 per year (below this you don’t pay but can volunteer)
- Lower Profits Limit: £12,570 per year
- Upper Profits Limit: £50,270 per year
- Class 2: £3.45 per week (if profits are £12,570 or more)
- Class 4: 9% on profits between £12,570 and £50,270, 2% on profits above £50,270
How to Calculate Your National Insurance
For Employees:
- Determine your pay period: Weekly, monthly, or annually
- Find your earnings: Your gross pay before tax and pension deductions
- Check the thresholds: Compare your earnings to the primary threshold and upper earnings limit
- Calculate your contribution:
- No NI on earnings below the primary threshold
- 12% on earnings between the primary threshold and upper earnings limit
- 2% on earnings above the upper earnings limit
Example: If you earn £3,000 per month:
- Earnings above primary threshold: £3,000 – £1,048 = £1,952
- Earnings within basic rate: £1,952 (since £3,000 < £4,189)
- NI due: £1,952 × 12% = £234.24 per month
For Self-Employed:
- Calculate your annual profits: Your total income minus allowable expenses
- Check the profit thresholds: Compare to the small profits threshold and lower/upper profits limits
- Calculate Class 2 NI: £3.45 per week if profits are £12,570 or more
- Calculate Class 4 NI:
- 9% on profits between £12,570 and £50,270
- 2% on profits above £50,270
Example: If your annual profits are £30,000:
- Class 2 NI: £3.45 × 52 = £179.40 per year
- Class 4 NI: (£30,000 – £12,570) × 9% = £1,571.70
- Total NI: £179.40 + £1,571.70 = £1,751.10 per year
National Insurance for Different Employment Statuses
Employed Only
If you’re only employed, your employer will deduct National Insurance from your salary through PAYE (Pay As You Earn). You’ll see this on your payslip as “National Insurance” or “NI.”
Self-Employed Only
If you’re self-employed, you’ll need to calculate and pay your National Insurance through Self Assessment. You may need to pay:
- Class 2: Flat rate if profits are above £12,570
- Class 4: Percentage of profits
You’ll usually pay Class 2 and Class 4 National Insurance together when you pay your income tax bill.
Both Employed and Self-Employed
If you’re both employed and self-employed, you’ll pay:
- Class 1 National Insurance on your employed earnings (deducted by your employer)
- Class 2 and Class 4 National Insurance on your self-employed profits (paid through Self Assessment)
Your combined earnings will determine if you’ve paid enough to qualify for certain benefits like the State Pension.
National Insurance and State Pension
To qualify for the full State Pension, you typically need 35 qualifying years of National Insurance contributions. You can check your National Insurance record on the GOV.UK website.
If you have gaps in your record, you might be able to:
- Pay voluntary contributions to fill gaps
- Get National Insurance credits if you’re unable to work
- Apply for a National Insurance credit if you’re a parent or carer
National Insurance Rates Comparison (2023/24 vs 2024/25)
| Category | 2023/24 Rates | 2024/25 Rates | Change |
|---|---|---|---|
| Class 1 (Employee) – Basic rate | 12% (£242-£967/week) | 12% (£242-£967/week) | No change |
| Class 1 (Employee) – Higher rate | 2% (above £967/week) | 2% (above £967/week) | No change |
| Class 2 (Self-employed) | £3.15/week | £3.45/week | +£0.30/week |
| Class 4 (Self-employed) – Basic rate | 9% (£12,570-£50,270) | 9% (£12,570-£50,270) | No change |
| Class 4 (Self-employed) – Higher rate | 2% (above £50,270) | 2% (above £50,270) | No change |
| Primary Threshold (weekly) | £242 | £242 | No change |
| Upper Earnings Limit (weekly) | £967 | £967 | No change |
Common National Insurance Questions
What happens if I earn less than the Primary Threshold?
If your earnings are below the Primary Threshold (£242 per week or £1,048 per month), you won’t pay National Insurance. However, you might still get National Insurance credits that count towards your State Pension and other benefits.
Can I stop paying National Insurance?
You stop paying Class 1 National Insurance when you reach State Pension age. If you’re self-employed, you stop paying:
- Class 2 National Insurance when you reach State Pension age
- Class 4 National Insurance from 6 April after you reach State Pension age
What if I have more than one job?
If you have more than one job, your National Insurance is calculated separately for each job. Each employer will deduct National Insurance from your earnings in that job. However, you might pay too much National Insurance if:
- You have multiple jobs and your combined earnings push you into a higher tax bracket
- You’re employed and self-employed
In these cases, you can apply for a refund from HMRC.
How do I check if I’ve paid enough National Insurance?
You can check your National Insurance record online through the GOV.UK personal tax account. This will show:
- How much you’ve paid in National Insurance
- If you have any gaps in your record
- If you’re on track for the full State Pension
National Insurance and Tax Codes
Your tax code can affect how much National Insurance you pay. The most common tax codes for 2024/25 are:
- 1257L: The standard tax code for most people, meaning you can earn £12,570 before paying income tax
- BR: All income from this job is taxed at 20% (basic rate)
- D0: All income from this job is taxed at 40% (higher rate)
- D1: All income from this job is taxed at 45% (additional rate)
- NT: No tax is deducted from this income
Your tax code doesn’t directly affect your National Insurance calculations, but it’s important to check it’s correct to ensure you’re not overpaying or underpaying tax.
National Insurance for Different Age Groups
Under 16
You don’t pay National Insurance if you’re under 16.
16 to State Pension age
You pay National Insurance if you’re:
- 16 or over
- An employee earning above £242 a week
- Self-employed and making a profit of £6,725 or more a year
Over State Pension age
You don’t pay National Insurance if you’re over State Pension age, unless you’re self-employed and pay Class 4 contributions.
National Insurance and Benefits
Your National Insurance contributions help you qualify for certain benefits:
- State Pension: You need 35 qualifying years for the full State Pension
- Contribution-based Jobseeker’s Allowance: You need to have paid enough Class 1 contributions
- Contribution-based Employment and Support Allowance: You need to have paid enough Class 1 or Class 2 contributions
- Maternity Allowance: You need to have paid enough Class 2 contributions if self-employed
- Bereavement Support Payment: You need to have paid enough National Insurance or your spouse/civil partner needed to have paid enough
How to Pay National Insurance
If You’re Employed
Your employer deducts National Insurance from your wages through PAYE. You’ll see the deductions on your payslip.
If You’re Self-Employed
You pay National Insurance through Self Assessment. You’ll need to:
- Register as self-employed with HMRC
- Keep records of your income and expenses
- Complete a Self Assessment tax return each year
- Pay your tax bill (including National Insurance) by 31 January
If You Have Gaps in Your Record
You can make voluntary National Insurance contributions to fill gaps in your record. The rates for 2024/25 are:
- Class 2: £3.45 per week
- Class 3: £17.45 per week
You can usually pay voluntary contributions for the past 6 tax years.
National Insurance and Limited Companies
If you run your own limited company, you might pay yourself a combination of salary and dividends. This can affect how much National Insurance you pay:
- Salary: You’ll pay Class 1 National Insurance on your salary
- Dividends: You don’t pay National Insurance on dividends, but they are subject to dividend tax
A common strategy is to pay yourself a salary up to the Primary Threshold (£12,570 per year) to avoid paying National Insurance while still getting National Insurance credits.
National Insurance for Non-Residents
If you’re not a UK resident but work in the UK, you’ll usually pay National Insurance if you’re:
- An employee working in the UK
- Self-employed in the UK
The UK has social security agreements with some countries, which might affect how much National Insurance you pay.
National Insurance and Pensions
National Insurance affects both the State Pension and workplace pensions:
- State Pension: As mentioned, you need 35 qualifying years for the full State Pension
- Workplace Pensions: Your National Insurance contributions don’t directly affect your workplace pension, but your pension contributions might reduce your taxable income, which could affect how much National Insurance you pay
National Insurance and Tax Relief
Unlike income tax, there’s no tax relief on National Insurance contributions. However, some pension contributions can reduce your taxable income, which might reduce your National Insurance bill if it brings your earnings below certain thresholds.
National Insurance and Benefits in Kind
Benefits in kind (like company cars or private medical insurance) are usually subject to income tax but not National Insurance. However, some benefits might be subject to Class 1A National Insurance, which is paid by your employer.
National Insurance and the Marriage Allowance
The Marriage Allowance lets you transfer £1,260 of your Personal Allowance to your husband, wife, or civil partner if they earn more than you. This can reduce their tax bill by up to £252. However, it doesn’t affect National Insurance calculations.
National Insurance and Student Loans
Student loan repayments are separate from National Insurance. You start repaying your student loan when your income is above the repayment threshold, which is different from the National Insurance thresholds.
National Insurance and Scottish Taxpayers
Scottish taxpayers have different income tax rates and bands, but the National Insurance rates and thresholds are the same across the UK.
National Insurance and the Welsh Rate of Income Tax
Wales has its own rates of income tax, but again, National Insurance rates and thresholds remain the same across the UK.
National Insurance and the Construction Industry Scheme (CIS)
If you work in the construction industry, you might be paid under the Construction Industry Scheme (CIS). Under CIS:
- Contractors deduct money from your payments and pass it to HMRC
- These deductions count as advance payments towards your tax and National Insurance bill
- You’ll still need to complete a Self Assessment tax return
National Insurance and the Armed Forces
Members of the armed forces pay National Insurance in the same way as other employees. However, there are some special rules if you’re posted overseas.
National Insurance and Civil Servants
Civil servants pay National Insurance in the same way as other employees. However, some civil servants might be in special pension schemes that affect their National Insurance contributions.
National Insurance and the NHS
NHS employees pay National Insurance in the same way as other employees. The NHS Pension Scheme is separate from National Insurance, although your National Insurance contributions help fund the NHS.
National Insurance and Teachers
Teachers pay National Insurance in the same way as other employees. The Teachers’ Pension Scheme is separate from National Insurance.
National Insurance and Police Officers
Police officers pay National Insurance in the same way as other employees. The Police Pension Scheme is separate from National Insurance.
National Insurance and Firefighters
Firefighters pay National Insurance in the same way as other employees. The Firefighters’ Pension Scheme is separate from National Insurance.
National Insurance and the Gig Economy
If you work in the gig economy (for example, as a delivery driver or ride-hailing driver), your National Insurance depends on your employment status:
- If you’re classified as an employee, your employer should deduct National Insurance from your wages
- If you’re classified as self-employed, you’ll need to pay Class 2 and Class 4 National Insurance through Self Assessment
There have been several legal cases about employment status in the gig economy, so it’s important to check your status.
National Insurance and Furlough
During the coronavirus pandemic, the furlough scheme (Coronavirus Job Retention Scheme) covered 80% of employees’ wages. National Insurance was still deducted from these payments in the usual way.
National Insurance and Redundancy
If you’re made redundant, you might receive a redundancy payment. The tax and National Insurance treatment depends on the type of payment:
- Statutory redundancy pay is tax-free and not subject to National Insurance
- Contractual redundancy pay might be subject to tax and National Insurance
- Payments in lieu of notice are subject to tax and National Insurance
National Insurance and Maternity/Paternity Pay
Statutory Maternity Pay (SMP), Statutory Paternity Pay (SPP), and other statutory payments are treated as earnings for National Insurance purposes. This means:
- Your employer will deduct Class 1 National Insurance from these payments if they’re above the Primary Threshold
- The payments count towards your National Insurance record
National Insurance and Sick Pay
Statutory Sick Pay (SSP) is treated as earnings for National Insurance purposes. Your employer will deduct Class 1 National Insurance from SSP if it’s above the Primary Threshold.
National Insurance and Bonuses
Bonuses are treated as earnings for National Insurance purposes. Your employer will deduct Class 1 National Insurance from your bonus in the same way as your regular salary.
National Insurance and Overtime
Overtime payments are treated as earnings for National Insurance purposes. Your employer will deduct Class 1 National Insurance from your overtime pay in the same way as your regular salary.
National Insurance and Tips
The National Insurance treatment of tips depends on how they’re paid:
- Cash tips paid directly to you by customers don’t count as earnings for National Insurance
- Tips added to a card payment and paid to you by your employer count as earnings for National Insurance
- Tips pooled and shared out by your employer count as earnings for National Insurance
National Insurance and Expenses
If your employer pays or reimburses your business expenses, these payments aren’t usually subject to National Insurance if they’re genuine business expenses.
National Insurance and Benefits
Most non-cash benefits (like company cars or private medical insurance) aren’t subject to National Insurance for employees. However, your employer might have to pay Class 1A National Insurance on these benefits.
National Insurance and Termination Payments
Termination payments over £30,000 are subject to Class 1A National Insurance, which is paid by your employer.
National Insurance and Sporting Testimonials
Payments from sporting testimonials might be subject to National Insurance, depending on the circumstances. HMRC has special rules for these payments.
National Insurance and Foreign Earnings
If you’re a UK resident but earn income from abroad, you might still have to pay UK National Insurance. The rules depend on:
- Whether there’s a social security agreement between the UK and the other country
- Whether you’re paying social security contributions in the other country
National Insurance and Offshore Work
If you work offshore (for example, on an oil rig), your National Insurance depends on:
- Where your employer is based
- Whether you’re a UK resident
- Whether there’s a social security agreement between the UK and the country where you’re working
National Insurance and Seafarers
Seafarers have special National Insurance rules. You might be able to pay reduced-rate National Insurance if you’re a seafarer who spends at least 183 days a year outside the UK.
National Insurance and Aircrew
Aircrew have special National Insurance rules. If you’re a pilot or cabin crew, your National Insurance is usually deducted from your salary in the same way as other employees.
National Insurance and Ministers of Religion
Ministers of religion are usually treated as employees for National Insurance purposes, even if they’re not employees for other tax purposes.
National Insurance and Company Directors
Company directors have special National Insurance rules. Your National Insurance is usually calculated on an annual basis, rather than per pay period. This can affect how much you pay if your income varies throughout the year.
National Insurance and Share Fishermen
Share fishermen have special National Insurance rules. You pay Class 2 National Insurance at a reduced rate if you’re a share fisherman.
National Insurance and Volunteer Development Workers
Volunteer development workers have special National Insurance rules. You might not have to pay National Insurance on certain payments.
National Insurance and Jurors
Payments for jury service are not subject to National Insurance.
National Insurance and Foster Carers
Foster carers have special National Insurance rules. You might be able to pay reduced-rate National Insurance if you’re a foster carer.
National Insurance and Supported Lodgings Carers
Supported lodgings carers have special National Insurance rules. You might be able to pay reduced-rate National Insurance if you’re a supported lodgings carer.
National Insurance and Shared Lives Carers
Shared lives carers have special National Insurance rules. You might be able to pay reduced-rate National Insurance if you’re a shared lives carer.
National Insurance and Personal Assistants
If you employ a personal assistant (for example, to help with care needs), you’ll need to deduct National Insurance from their wages if they earn enough.
National Insurance and Au Pairs
Au pairs have special National Insurance rules. You might not have to pay National Insurance if you’re an au pair.
National Insurance and Nannies
If you employ a nanny, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Cleaners
If you employ a cleaner, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Gardeners
If you employ a gardener, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Tutors
If you employ a tutor, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Music Teachers
If you employ a music teacher, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Sports Coaches
If you employ a sports coach, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Driving Instructors
Driving instructors are usually self-employed, so they pay Class 2 and Class 4 National Insurance through Self Assessment.
National Insurance and Taxi Drivers
Taxi drivers are usually self-employed, so they pay Class 2 and Class 4 National Insurance through Self Assessment. However, some taxi drivers might be employees, depending on their working arrangements.
National Insurance and Delivery Drivers
Delivery drivers might be employees or self-employed, depending on their working arrangements. This affects how they pay National Insurance.
National Insurance and Couriers
Couriers might be employees or self-employed, depending on their working arrangements. This affects how they pay National Insurance.
National Insurance and Security Guards
If you employ a security guard, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Bar Staff
If you employ bar staff, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Waiters/Waitresses
If you employ waiters or waitresses, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Chefs
If you employ chefs, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Kitchen Porters
If you employ kitchen porters, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Hotel Staff
If you employ hotel staff, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Retail Staff
If you employ retail staff, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Shop Assistants
If you employ shop assistants, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Sales Assistants
If you employ sales assistants, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Office Workers
If you employ office workers, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Administrative Staff
If you employ administrative staff, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and Receptionists
If you employ receptionists, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and PA/Secretaries
If you employ a PA or secretary, you’ll need to deduct National Insurance from their wages if they earn enough. You’ll also need to pay employer’s National Insurance.
National Insurance and IT Contractors
IT contractors might be employees or self-employed, depending on their working arrangements. This affects how they pay National Insurance. Many IT contractors work through their own limited companies.
National Insurance and Freelancers
Freelancers are usually self-employed, so they pay Class 2 and Class 4 National Insurance through Self Assessment.
National Insurance and Consultants
Consultants might be employees or self-employed, depending on their working arrangements. This affects how they pay National Insurance. Many consultants work through their own limited companies.
National Insurance and Locum Workers
Locum workers might be employees or self-employed, depending on their working arrangements. This affects how they pay National Insurance.
National Insurance and Agency Workers
Agency workers are usually employees of the agency, so the agency will deduct National Insurance from their wages.
National Insurance and Temporary Workers
Temporary workers are usually employees, so their employer will deduct National Insurance from their wages.
National Insurance and Seasonal Workers
Seasonal workers are usually employees, so their employer will deduct National Insurance from their wages.
National Insurance and Migrant Workers
Migrant workers pay National Insurance in the same way as other workers, depending on their employment status. There might be special rules if you’re a migrant worker from a country with a social security agreement with the UK.
National Insurance and International Students
International students who work in the UK pay National Insurance in the same way as other workers, depending on their employment status.
National Insurance and Au Pairs from Abroad
Au pairs from abroad have special National Insurance rules. You might not have to pay National Insurance if you’re an au pair from abroad.
National Insurance and Domestic Workers from Abroad
Domestic workers from abroad have special National Insurance rules. You might not have to pay National Insurance if you’re a domestic worker from abroad.
National Insurance and Overseas Employers
If your employer is based overseas but you work in the UK, you’ll usually pay UK National Insurance. There might be special rules if there’s a social security agreement between the UK and the country where your employer is based.
National Insurance and Cross-Border Workers
If you live in one country but work in another, your National Insurance depends on the social security rules between those countries. For example, if you live in France but work in the UK, you’ll usually pay UK National Insurance.
National Insurance and Digital Nomads
Digital nomads might have complex National Insurance situations, depending on:
- Where they’re tax resident
- Where their employer is based
- Where they perform their work
- Social security agreements between countries
National Insurance and Remote Workers
Remote workers pay National Insurance based on their employment status and where they perform their work. If you’re a UK resident working remotely for a UK employer, you’ll pay UK National Insurance in the usual way.
National Insurance and Home Workers
Home workers pay National Insurance in the same way as other workers, depending on their employment status.
National Insurance and Hybrid Workers
Hybrid workers (who split their time between home and office) pay National Insurance in the same way as other workers, depending on their employment status.
National Insurance and Shift Workers
Shift workers pay National Insurance in the same way as other workers, depending on their employment status. Shift allowances might be subject to National Insurance, depending on how they’re paid.
National Insurance and Night Workers
Night workers pay National Insurance in the same way as other workers, depending on their employment status. Night shift allowances might be subject to National Insurance, depending on how they’re paid.
National Insurance and Part-Time Workers
Part-time workers pay National Insurance in the same way as full-time workers, depending on their earnings. If you earn less than the Primary Threshold, you won’t pay National Insurance.
National Insurance and Zero-Hours Contract Workers
Workers on zero-hours contracts pay National Insurance in the same way as other workers, depending on their earnings in each pay period.
National Insurance and Casual Workers
Casual workers pay National Insurance in the same way as other workers, depending on their earnings in each pay period.
National Insurance and Interns
Interns pay National Insurance in the same way as other workers, depending on their earnings. Some internships might be unpaid, in which case no National Insurance is due.
National Insurance and Apprentices
Apprentices have special National Insurance rules. If you’re under 25 and on an approved UK government apprenticeship, you don’t pay Class 1 National Insurance on earnings up to the Upper Earnings Limit.
National Insurance and Trainees
Trainees pay National Insurance in the same way as other workers, depending on their earnings.
National Insurance and Graduates
Graduates pay National Insurance in the same way as other workers, depending on their earnings. Your student loan repayments are separate from National Insurance.
National Insurance and School Leavers
School leavers pay National Insurance in the same way as other workers, depending on their earnings. If you’re under 16, you don’t pay National Insurance.
National Insurance and Retirees
Retirees don’t pay National Insurance if they’re over State Pension age. However, if you continue working after State Pension age, your employer will still need to pay employer’s National Insurance.
National Insurance and Pensioners
Pensioners don’t pay National Insurance on their pension income. If you continue working after reaching State Pension age, you won’t pay employee’s National Insurance, but your employer will still need to pay employer’s National Insurance.
National Insurance and Early Retirees
If you retire early (before State Pension age), you’ll still pay National Insurance if you continue working or have other earnings above the thresholds.
National Insurance and Phased Retirement
If you’re phasing your retirement by reducing your hours, you’ll continue to pay National Insurance on your earnings until you reach State Pension age.
National Insurance and Inheritance
Inheritance isn’t subject to National Insurance. However, if you inherit money and invest it, any income from those investments might be subject to income tax (but not National Insurance).
National Insurance and Trusts
Trusts don’t pay National Insurance, but if a trust makes payments to beneficiaries, those payments might be subject to income tax (but not National Insurance).
National Insurance and Investments
Income from investments (like dividends or interest) isn’t subject to National Insurance. However, if you’re self-employed and your business makes investments, the income might be subject to Class 4 National Insurance.
National Insurance and Property Income
Income from property (like rental income) isn’t subject to National Insurance. However, if you’re a property developer or run a property business, your profits might be subject to Class 2 and Class 4 National Insurance.
National Insurance and Capital Gains
Capital gains aren’t subject to National Insurance. However, if you’re self-employed and you sell business assets, the gain might be subject to Class 4 National Insurance.
National Insurance and ISAs
Income and gains from ISAs (Individual Savings Accounts) aren’t subject to income tax or National Insurance.
National Insurance and Premium Bonds
Winnings from Premium Bonds aren’t subject to income tax or National Insurance.
National Insurance and Gambling Winnings
Gambling winnings aren’t subject to income tax or National Insurance in the UK.
National Insurance and Lottery Winnings
Lottery winnings aren’t subject to income tax or National Insurance in the UK.
National Insurance and Cryptocurrency
Income from cryptocurrency might be subject to income tax or capital gains tax, but not National Insurance. However, if you’re self-employed and your business involves cryptocurrency, your profits might be subject to Class 2 and Class 4 National Insurance.
National Insurance and Forex Trading
Income from forex trading might be subject to income tax or capital gains tax, but not National Insurance. However, if you’re self-employed and your business involves forex trading, your profits might be subject to Class 2 and Class 4 National Insurance.
National Insurance and Stock Trading
Income from stock trading might be subject to income tax or capital gains tax, but not National Insurance. However, if you’re self-employed and your business involves stock trading, your profits might be subject to Class 2 and Class 4 National Insurance.
National Insurance and Peer-to-Peer Lending
Income from peer-to-peer lending is subject to income tax, but not National Insurance.
National Insurance and Crowdfunding
Income from crowdfunding might be subject to income tax, but not National Insurance. However, if you’re self-employed and your business involves crowdfunding, your profits might be subject to Class 2 and Class 4 National Insurance.
National Insurance and Royalties
Income from royalties is subject to income tax, but not National Insurance. However, if you’re self-employed and your business involves earning royalties, your profits might be subject to Class 2 and Class 4 National Insurance.
National Insurance and Patents
Income from patents is subject to income tax, but not National Insurance. However, if you’re self-employed and your business involves earning income from patents, your profits might be subject to Class 2 and Class 4 National Insurance.
National Insurance and Franchises
If you run a franchise, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance. If you employ staff, you’ll also need to deduct Class 1 National Insurance from their wages.
National Insurance and MLM (Multi-Level Marketing)
If you’re involved in MLM, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Network Marketing
If you’re involved in network marketing, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Direct Sales
If you’re involved in direct sales, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Affiliate Marketing
If you earn income from affiliate marketing, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Blogging
If you earn income from blogging, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Vlogging
If you earn income from vlogging, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Podcasting
If you earn income from podcasting, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Influencers
If you earn income as an influencer, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Social Media
If you earn income from social media, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and YouTube
If you earn income from YouTube, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Twitch
If you earn income from Twitch, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Patreon
If you earn income from Patreon, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and OnlyFans
If you earn income from OnlyFans, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Etsy
If you earn income from Etsy, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and eBay
If you earn income from eBay, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Amazon Sellers
If you earn income as an Amazon seller, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Dropshipping
If you earn income from dropshipping, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Print-on-Demand
If you earn income from print-on-demand, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Digital Products
If you earn income from selling digital products, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Online Courses
If you earn income from selling online courses, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Membership Sites
If you earn income from membership sites, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and SaaS (Software as a Service)
If you earn income from SaaS, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Apps
If you earn income from apps, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Writing
If you earn income from freelance writing, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Design
If you earn income from freelance design, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Programming
If you earn income from freelance programming, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Photography
If you earn income from freelance photography, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Videography
If you earn income from freelance videography, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Translation
If you earn income from freelance translation, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Tutoring
If you earn income from freelance tutoring, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Coaching
If you earn income from freelance coaching, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Consulting
If you earn income from freelance consulting, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Marketing
If you earn income from freelance marketing, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance PR
If you earn income from freelance PR, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance HR
If you earn income from freelance HR, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Recruitment
If you earn income from freelance recruitment, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Accounting
If you earn income from freelance accounting, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Bookkeeping
If you earn income from freelance bookkeeping, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Legal Services
If you earn income from freelance legal services, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Financial Advice
If you earn income from freelance financial advice, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Real Estate
If you earn income from freelance real estate, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Architecture
If you earn income from freelance architecture, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Engineering
If you earn income from freelance engineering, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Construction
If you earn income from freelance construction, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Trades
If you earn income from freelance trades (like plumbing, electrical work, or carpentry), you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Beauty Services
If you earn income from freelance beauty services, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Hairdressing
If you earn income from freelance hairdressing, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Fitness
If you earn income from freelance fitness (like personal training or fitness classes), you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Wellness
If you earn income from freelance wellness services, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Therapy
If you earn income from freelance therapy, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Counseling
If you earn income from freelance counseling, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Life Coaching
If you earn income from freelance life coaching, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Career Coaching
If you earn income from freelance career coaching, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Business Coaching
If you earn income from freelance business coaching, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.
National Insurance and Freelance Executive Coaching
If you earn income from freelance executive coaching, you’ll pay National Insurance based on your profits. If you’re self-employed, you’ll pay Class 2 and Class 4 National Insurance.