National Insurance Calculator
Use our free National Insurance calculator to estimate how much employee National Insurance you pay for the 2026/27 tax year. Enter your annual salary and we will show your National Insurance per year, month and week.
National Insurance Calculator
Estimate your employee National Insurance for the 2026/27 tax year.
| NI per month | £0 |
| NI per week | £0 |
| Effective NI rate | 0% |
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Estimate only, based on 2026/27 employee Class 1 rates (8% on earnings between £12,570 and £50,270, then 2% above). It assumes a single employment and standard category. It is not tax advice.
How employee National Insurance works in 2026/27
If you are employed, you pay Class 1 National Insurance through PAYE. For 2026/27 you pay nothing on the first £12,570 you earn. You then pay 8 percent on earnings between £12,570 and £50,270, and 2 percent on anything above £50,270. National Insurance is worked out per pay period, so the annual figure here is a guide.
National Insurance and your tax rebate
You cannot usually reclaim National Insurance the way you can reclaim overpaid income tax, but many people are still owed an income tax refund for work expenses such as a uniform, tools or mileage. To see your full take-home position, try our take-home pay calculator, and browse all our tax calculators.
Check what tax you are owed with TaxPro on a no win, no fee basis.
Frequently asked questions
Can I get a National Insurance refund?
Occasionally, for example if you had two jobs and overpaid, but it is far less common than income tax refunds. Most refunds people are owed are overpaid income tax.
What is the National Insurance rate for 2026/27?
Employees pay 8 percent on earnings between £12,570 and £50,270, and 2 percent on earnings above £50,270.
Do I pay National Insurance after State Pension age?
No. Once you reach State Pension age you stop paying Class 1 National Insurance on your earnings, even if you keep working.