Calculate Class 1 employee and employer National Insurance for 2026/27.
Please do not make financial decisions based on these results.
What is the National Insurance Calculator?
Calculate Class 1 employee and employer National Insurance for 2026/27. To use the National Insurance Calculator, enter annual earnings; it returns employee ni, employer ni, combined ni, monthly employee ni, and shows them instantly as you type.
Where the National Insurance Calculator fits
Calculate Class 1 employee and employer National Insurance for 2026/27. The main figure it returns is the Employee NI, worked out from the values you enter.
It belongs with the other uk finance tools. If you are comparing options or checking a result from another angle, try the Take Home Pay Calculator UK, Capital Gains Tax UK Calculator or the Stamp Duty Land Tax Calculator UK.
How to use the National Insurance Calculator
- Fill in the fields. You will need Annual earnings (£). Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Employee NI, and the cards below show Employer NI, Combined NI, Monthly employee NI. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the National Insurance Calculator using the default values shown in the calculator above:
Inputs
| Annual earnings (£) | 42,000 |
|---|
Results
| Employee NI | £2,354.40 |
|---|---|
| Employer NI | £5,550.00 |
| Combined NI | £7,904.40 |
| Monthly employee NI | £196.20 |
With these inputs the calculator returns Employee NI: £2,354.40. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Annual earnings (£) from 42,000 to 50,400 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Employee NI | £2,354.40 | £3,018.60 | +28.2% |
| Employer NI | £5,550.00 | £6,810.00 | +22.7% |
| Combined NI | £7,904.40 | £9,828.60 | +24.3% |
| Monthly employee NI | £196.20 | £251.55 | +28.2% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the National Insurance Calculator reports Employee NI, employer ni, combined ni and monthly employee ni. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
What is the employer NI rate?
15% on earnings above the secondary threshold of £5,000 a year from April 2025.
Are these calculators official?
No. They are estimates. Check GOV.UK or HMRC for the final figure.
Do these tools cover Scotland and Wales?
Income tax in Scotland has different bands, and Wales and Scotland have their own property taxes. These tools use the rest-of-UK rates.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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