National Insurance Calculator

Self-employed workers generally pay less in National Insurance contributions than employed workers. However, they also receive fewer state benefits, such as Statutory Sick Pay.

Use this calculator to illustrate the difference in National Insurance contributions. This saving could potentially fund an Income Protection policy to provide the essential cover they are missing.

Client Details

Name of client

Annual net profit or incomeEnter the client's annual income or net profit from self-employment

Include Class 3 voluntary contributions to maintain full State Pension entitlementClass 3 voluntary contributions can be paid to fill gaps in your National Insurance record to protect State Pension entitlement

Tax Year: 2025/26

Class 3 Weekly Rate: £17.75Verified at gov.uk/voluntary-national-insurance-contributions/rates

Class 2 Small Profits Threshold: £6,845Profits at/above this level are treated as having paid Class 2

Enter client details to calculate

Compare National Insurance contributions between employed and self-employed workers to identify potential savings for protection planning.