National Insurance calculator

Your employee and employer National Insurance contributions for the 2026/27 tax year.

Your earnings

Earnings per

Amount

Standard category A employee rates are assumed.

Employee NI
(8% / 2%)

—

Employer NI
(15%)

—

Combined NI
per year

—

2026/27 thresholds: employee NI starts at £12,570 (8% to £50,270, then 2%); employer NI is 15% above £5,000.

Estimate only — not financial advice. Different NI category letters may apply.

Both employee and employer NI come out of your contract rate. See the full picture.

Tell us about your contract and get real quotes from compliant umbrella companies — with transparent fees and joining bonuses.