National Insurance
National Insurance is a tax on earnings that builds entitlement to benefits such as the State Pension.
Also known as: NI, national insurance contributions
Employees and self-employed people pay contributions at rates set by the government. Years in which you pay or are credited with contributions count towards the State Pension.
Check your record on GOV.UK to see whether you have gaps, and whether it is worth filling them.
It is separate from income tax, and different classes of contribution apply to employees, the self-employed and people paying voluntarily.
Free, impartial guidance is available from MoneyHelper and Pension Wise. Be wary of any unsolicited offers about your pension or investments.
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This page provides general information only. It is not personalised financial, legal or tax advice, and rules and figures can change. Your situation is unique — please check official sources such as GOV.UK and MoneyHelper, and speak to a qualified, FCA-authorised adviser before making important decisions about your money.