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National Insurance calculator 2026/27
Free · runs in your browser · updated 2026-07-05
How to use the national insurance calculator
- Enter your annual salaryGross pay before deductions.
- CalculateSee yearly, monthly and weekly employee NI.
- Check the bandsThe breakdown shows how much falls in the 8% and 2% bands.
Income, expenses, Class 2/4 NI and tax set-aside in one Excel tracker with 2026/27 rates.
£12 · instant download
Buy NowFrequently asked questions
What are the NI thresholds for 2026/27?
The primary threshold is £12,570 a year (£242/week) — you pay nothing below it. The upper earnings limit is £50,270 (£967/week). Between them the rate is 8%; above it, 2%. These are unchanged from 2025/26.
Do I pay NI on pension contributions?
Salary-sacrifice pension contributions reduce your NI-able pay, saving you NI. Standard workplace contributions taken from net-relevant pay don't reduce NI, only tax.
Does National Insurance stop at state pension age?
Yes — employees stop paying Class 1 NI once they reach state pension age, even if they keep working. Employers continue to pay their share.
Why does NI matter for my state pension?
You need 35 qualifying years of NI contributions or credits for the full new state pension. Earning above the lower earnings limit (£129/week in 2026/27) makes a year qualify even where you pay 0%.
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