Starting a new business? Get 40% off our accountancy services for 3 months! 😀


National Insurance is paid by everyone in the UK aged between 16 and the state pension age. To make sure that contributions are recorded correctly, anyone working in the UK should have a National Insurance number.

Why do I have to pay National Insurance?

Payments to the National Insurance scheme build up your entitlement to specific state benefits, such as the state pension.

You pay National Insurance Contributions when you are either employed or self-employed. You can also make voluntary contributions to ensure there are no gaps in your National Insurance record.

When will I get my National Insurance number?

If you were born in the UK, you will usually be sent your National Insurance number just before your 16th birthday. You can also apply for an NI number, but you may need to prove you have the right to work. For example, if you enter the UK on a visa, you may need to demonstrate it includes right to work as well as entry.

You can apply for an NI number even if you do not have a job lined up.


Startup business accountancy services

How much NI do I have to pay?

The amount of National Insurance you have to pay depends on your income, and how you earn it. It is usually paid on income earned from self-employment or regular employment. There are earnings thresholds at which you start paying NI. To make it easier to understand, we created tables showing the current National Insurance rates and thresholds. You will be eligible to make payments from the age of 16, until state pension age.

Read our article about National Insurance for people getting started in business. You might also be interested in learning more about our online accountant services. Call one of our team on 020 3355 4047, or get an instant quote online.

About The Author

Beth-Anne Bruce

I'm an experienced and fully AAT and ACCA qualified accountant, who is enthusiastic about helping business owners succeed. I also love cooking and needlepoint (at different times!). Learn more about Beth.

More posts by this author
Inline Feedbacks
View all comments

Read more posts...

Umbrella Companies for Self-Employed Contractors

When you set up in business as a contractor you might either work as a sole trader or as a limited company….

Read More

Get Ready for Small Business Saturday UK 2022

Small Business Saturday started in the US in 2010, on the first Saturday following Thanksgiving. It aims to encourage shoppers to consider…

Read More

Architects and Tax

Architecture is a highly diverse sector when it comes to tax. It’s partly down to the type of businesses that carry out…

Read More
Back to Blog...

Confirm Transactions

The number of monthly transactions you have entered based on your turnover seem high. A transaction is one bookkeeping entry such as a sale, purchase, payment or receipt. Are you sure this is correct?

Yes, submit my quote
No, let me change it

Please contact our sales team if you’re unsure

VAT Returns

It is unlikely you will need this service, unless you are voluntarily registered for VAT.

Are you sure this is correct?

Yes, the business is VAT registered
No, let me change it

Call us on 020 3355 4047 if you’re not sure.


You only need this service if you want us to complete the bookkeeping on your behalf.

Would you prefer to complete your own bookkeeping?


Call us on 020 3355 4047 if you’re not sure.