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UK National Insurance Calculator 2025/26

UK National Insurance Calculator

Free Calculator

Calculate National Insurance contributions

Employer NI Secondary Threshold reduced from £9,100 to £5,000 from April 2025.

Employee NI
£1,394.40
£116.20/mo · £26.82/wk
Employer NI
£3,750.00
£312.50/mo · £72.12/wk
Total NI
£5,144.40
£428.70/mo · £98.93/wk
Effective employee rate
4.6%
of gross annual salary
Employee NI breakdown
Salary bandRateAnnual NI
£0 – £12,5700%£0.00
£12,570 – £30,0008%£1,394.40
Total employee NI£1,394.40
Employer NI breakdown
Salary bandRateAnnual NI
£0 – £5,0000%£0.00
£5,000+15%£3,750.00
Total employer NI£3,750.00

Based on an annual salary of £30,000 · UK 2025/26 rates

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Track payroll-ready hours automatically

Employees submit time tracking via the iOS app and managers approve in one tap — accurate, HMRC-compliant hours records ready at every payroll run.

  • Hours submitted via iOS app and approved by managers
  • Approved time tracking export to Xero or QuickBooks
  • HMRC-compliant records kept automatically
  • No manual re-entry at payroll run
TimeTally timesheet entry showing hours ready for payroll

Stop calculating NI manually — TimeTally exports payroll-ready data automatically

This calculator gives you the figures. TimeTally tracks hours, approvals, and pay automatically — so you have HMRC-compliant records for every employee, every pay period. From £2/employee/month.

Payroll records ready at month end

Staff submit time tracking via the iOS app. Hours are tracked automatically and approved by managers. When payroll day comes, your records are already accurate and HMRC-compliant.

HMRC compliant
Auto tracking
Xero export
QuickBooks
TimeTally timesheet entry showing HMRC-compliant hours tracking

Manager approval with audit trail

All pending time tracking land in one dashboard. Approve or query with a single tap. Every decision is timestamped — a full audit trail for every pay period.

  • All pending time tracking in one dashboard
  • One-tap approve or query
  • Timestamp on every decision
  • Employee notified instantly
TimeTally iOS app showing manager timesheet approval

Pay summary before export

Pay is calculated directly from approved time tracking. See the full payroll breakdown — including estimated NI — for every employee before you export. No manual adjustments, no errors.

Full pay breakdown
NI estimated
One-click export
No errors
TimeTally pay summary page showing all employees, approved hours and NI estimate

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“Setup was dead simple and the team just got on with it. Got everyone up and running in an afternoon with no help needed. Does everything we need for timesheets and holidays without the faff.”
SM

S.M.

“Has completely changed how I handle timesheets. Used to dread it every week — now it takes me minutes. Really easy to get around and my staff picked it up straight away.”
JT

J.T.

“Started using it just for rotas but quickly realised it does loads more. The timesheets and leave management are great, and it even handles TOIL and overtime which I wasn't expecting. Use it for everything now.”
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R.K.

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Understanding UK National Insurance

Everything employers and employees need to know about NI for 2025/26. For related topics, try our minimum wage calculator or overtime pay calculator.

What is National Insurance?
National Insurance (NI) is a tax on earnings paid by employees and employers in the UK. Employee NI funds the NHS, state pension, and certain benefits. Employer NI is a separate charge on top of gross wages — it is not deducted from the employee's pay but is an additional cost for the employer. Both are collected via PAYE alongside Income Tax.
How much NI do employees pay in 2025/26?
Employees pay 0% on earnings below £12,570/year (the Primary Threshold), 8% on earnings between £12,570 and £50,270 (the Upper Earnings Limit), and 2% on everything above £50,270. These are the Class 1 Primary rates that apply from April 2025. NI is calculated on each pay period's earnings, not on the annual total, though the thresholds are scaled proportionally.
How much NI do employers pay in 2025/26?
Employers pay 15% on each employee's earnings above £5,000/year (the Secondary Threshold). This threshold was reduced from £9,100 to £5,000 in the April 2025 Budget, meaning employer NI costs increased significantly for most businesses. For a full-time employee on £25,000/year, employer NI increased by approximately £618/year as a result of this change.
What is the Employment Allowance?
Eligible businesses can claim up to £10,500/year off their employer NI bill (increased from £5,000 in April 2025). Most businesses with an employer NI bill below £100,000 in the prior tax year qualify. Sole director companies with no other employees do not qualify. The Employment Allowance is claimed through your payroll software and offsets your employer NI liability each month until the allowance is used up.
When do you pay NI?
NI is deducted via PAYE each pay period and paid to HMRC by the 19th of the following month (22nd if paying electronically). It is not paid separately from Income Tax — both go through your payroll run as a single PAYE payment. Most payroll software, and integrations like Xero and QuickBooks, calculate NI automatically.
Does NI apply to all employees?
Class 1 NI applies to employees who earn above the relevant thresholds. Workers under 16 are exempt from employee NI. Employees who have reached State Pension age no longer pay employee NI, though employer NI still applies. Some limited-hours or low-earnings workers may fall below the thresholds. Self-employed workers pay Class 2 and Class 4 NI, not Class 1 — these are different rates and thresholds.

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