Work out national insurance instantly with clear inputs, formula shown and shareable results.
Contributions are banded: nothing below the lower threshold, a main rate between the thresholds, and a much lower rate above the upper limit. That structure makes the effective rate fall as pay rises beyond the upper limit.
Banded contributions
Contribution = (min(pay, UEL) - threshold)×main rate + (pay - UEL)×2%
Tax figures are estimates based on the rates, caps and thresholds you enter. Real rules differ by jurisdiction and change every year, and personal circumstances alter the outcome. This is not tax or financial advice — confirm with a qualified adviser.
Because contributory benefits are capped, so contributions above that level buy no additional entitlement.
No — only on earnings from employment or self-employment, not on investment income.