National Insurance calculator
National Insurance calculator for 2026/27: see how much employee Class 1 National Insurance comes out of your pay, plus your tax and take-home.
You take home
£2,393a month
- a year
- £28,720
- a week
- £552
- a day
- £111
- Take-home£2,39382%
- Income tax£37413%
- National Insurance£1505%
Amounts are per month. Percentages are of your pay before tax.
Of your next £1,000 you keep £720.
Your breakdown
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £35,000 | £2,917 | £673 |
| Income tax | -£4,486 | -£374 | -£86 |
| Basic 20% on £22,430 | -£4,486 | -£374 | -£86 |
| National Insurance | -£1,794 | -£150 | -£35 |
| Take-home | £28,720 | £2,393 | £552 |
Personal Allowance used: £12,570.
This is an estimate for a standard employee on a cumulative tax code. Your payslip can differ if you have benefits, other income or an emergency tax code.
Tax code (optional)
Leave blank for the standard allowance. Works with codes such as 1257L, BR, D0, K475 and S1257L.
Employee National Insurance rates 2026/27
These are the rates for employees in category A, the most common category. They are the same in every part of the UK.
| Yearly pay | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,570 to £50,270 | 8% |
| Over £50,270 | 2% |
Examples
On £35,000 you pay £1,794 a year: 8% of the £22,430 above £12,570. On £60,000 you pay £3,211: 8% up to £50,270 and 2% on the rest.
A pension taken by salary sacrifice reduces the pay National Insurance is charged on. Relief at source does not.
Questions people ask
Does National Insurance count towards my State Pension?
Contributions above the lower earnings limit of £6,708 a year build up qualifying years, even though you only pay from £12,570.
Do I pay National Insurance after State Pension age?
No. Employees stop paying Class 1 National Insurance at State Pension age. This calculator assumes you are below it.
Is employer National Insurance included?
No. Your employer pays it separately and it does not come out of your pay.