3. National Insurance classes

The class you pay depends on your employment status and how much you earn, and whether you have any gaps in your National Insurance record.

National Insurance class Who pays
Class 1 Employees earning more than £155 a week and under State Pension age - they’re automatically deducted by your employer
Class 1A or 1B Employers pay these directly on their employee’s expenses or benefits
Class 2 Self-employed people - you don’t have to pay if you earn less than £5,965 a year (but you can choose to pay voluntary contributions)
Class 3 Voluntary contributions - you can pay them to fill or avoid gaps in your National Insurance record
Class 3A Voluntary contribution - you may be able to top up your pension with a single lump sum if you’re due to retire before 6 April 2016
Class 4 Self-employed people earning profits over £8,060 a year

See the current rates for Class 1, 2 and 4 contributions.