01 / YOUR ESTIMATE
Class 4 National Insurance estimate for 2025/26
Enter your taxable self-employed profit for the year.
Your profit
2025 / 26After allowable business expenses
£
Class 4 rates are the same for both years
This estimate assumes the full personal allowance is available for Income Tax purposes. Class 4 National Insurance is worked out separately from Income Tax.
ESTIMATED TOTAL NATIONAL INSURANCE
£412.80
For 2025/26 · voluntary Class 2 contributions are not included
Your estimate2025 / 26
Class 4 National Insurance£412.80
Compulsory Class 2 to pay£0.00
Class 2 contributions are treated as paid because your profit is at or above the small profits threshold (£6,845).
Total National Insurance£412.80
Class 2 is not compulsory. Any voluntary Class 2 payment is optional and is not included in the total above.
WORKED EXAMPLE
Profit of £19,450
Class 4 is charged at 6% on £6,880 of profit above £12,570. The estimate is £412.80.
02 / QUICK COMPARISON
Class 4 National Insurance at common profit levels.
These figures show Class 4 only. Class 2 is not included because there is no compulsory Class 2 charge.
| Self-employed profit | Class 4 NI |
|---|---|
| £10,000.00 | £0.00 |
| £20,000.00 | £445.80 |
| £30,000.00 | £1,045.80 |
| £40,000.00 | £1,645.80 |
| £50,000.00 | £2,245.80 |
| £60,000.00 | £2,456.60 |
| £80,000.00 | £2,856.60 |
FREE PDF CHECKLIST
The deadlines, without the dread.
Get the free 2025/26 Self Assessment deadline checklist (PDF) by email. A simple reminder of what to do and when.
General information, not tax advice. Check your own situation on GOV.UK. Class 4 and Class 2 National Insurance guidance.