NIMarch 2025 · 5 min read

National Insurance Contributions Explained

Classes, rates and state pension impact.

Class 1 — Employees (2025/26)

8% on earnings £12,570–£50,270

2% on earnings above £50,270

Employer NI: 15% above £5,000

Class 4 — Self-Employed

6% on profits £12,570–£50,270

2% on profits above £50,270

Plus Class 2: £3.45/week if profits over £12,570

NI and Your State Pension

You need 35 qualifying years to receive the full State Pension (£221.20/week for 2025/26). You can check your NI record on the Government Gateway and pay voluntary contributions to fill gaps.

Disclaimer: This guide is for information only and does not constitute tax or financial advice. Tax rules are complex and subject to change. Always seek professional advice for your specific circumstances.