How much National Insurance do you pay on a £30,000 salary?

Full answer

Here is the full National Insurance calculation for a £30,000 salary in 2026/27: **Employee NI (Class 1):** - Primary Threshold: £12,570/year - Rate: 8% on earnings between £12,570 and £50,270 - Calculation: (£30,000 − £12,570) × 8% = £17,430 × 8% = **£1,394.40/year** (£116.20/month) **Income Tax:** - Personal Allowance: £12,570 - Taxable income: £30,000 − £12,570 = £17,430 - Tax at 20%: £17,430 × 20% = **£3,486/year** (£290.50/month) **Estimated take-home pay:** - Gross: £30,000 - Tax: −£3,486 - NI: −£1,394 - **Net: ~£25,120/year (~£2,093/month)** **Employer NI (Class 1 secondary):** Your employer pays an additional 15% on earnings above the Secondary Threshold of £5,000: (£30,000 − £5,000) × 15% = £25,000 × 15% = **£3,750/year** — this is not deducted from your pay but is a cost to your employer. **Key 2026/27 thresholds:** | Threshold | Annual | Monthly | |---|---|---| | Primary Threshold (PT) | £12,570 | £1,047 | | Upper Earnings Limit (UEL) | £50,270 | £4,189 | | Employee NI rate below UEL | 8% | — | | Employee NI rate above UEL | 2% | — | Use the CalcHub take-home pay calculator to see the full breakdown including student loan, pension contributions, and salary sacrifice.

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