How to Pay Class 2 National Insurance in the UK (2025-26) | Complete Guide by MTA

Описание: Are you self-employed in the UK and unsure how to pay your Class 2 National Insurance contributions? In this detailed and easy-to-follow video, MTA (My Tax Accountant) explains exactly how Class 2 National Insurance works, who needs to pay it, how to make payments to HMRC, and what it means for your tax and pension record in the 2025-26 tax year.

This guide is designed specifically for self-employed individuals, freelancers, small business owners, and landlords with self-employment income who want to stay compliant and protect their future benefits.

In this video, you’ll learn:
• What Class 2 National Insurance (NI) is and how it differs from Class 1 and Class 4 contributions.
• Who must pay Class 2 NI — including self-employed individuals earning above the Small Profits Threshold for 2025-26.
• The current Class 2 rate for 2025-26 and how it’s calculated based on your self-employment profits.
• How paying Class 2 NI helps you qualify for the UK State Pension, Maternity Allowance, and other benefits.
• How to pay your Class 2 contributions through your Self Assessment tax return.
• What to do if your profits are below the threshold but you still want to voluntarily pay Class 2 NI to protect your National Insurance record.
• How to catch up on missed contributions and maintain your entitlement to benefits.
• The difference between mandatory and voluntary contributions — and when it makes sense to pay even if you’re not required to.
• How MTA (My Tax Accountant) can help you register for Self Assessment, calculate your contributions, and make sure your NI record is complete and accurate.
• How the Making Tax Digital (MTD) reforms will change the reporting process for self-employed taxpayers in 2025-26.
• The importance of keeping track of your NI payments to avoid gaps in your contribution history that can affect your future pension eligibility.
• Common mistakes self-employed people make when dealing with Class 2 NI — and how to avoid them.
• How to confirm your payment has been recorded by HMRC and what to do if your NI record isn’t updated.
• How Class 2 and Class 4 contributions work together to ensure you pay the right amount of National Insurance overall.
• Why proper tax planning for 2025-26 can help reduce stress, improve compliance, and make your self-employed journey financially stable.

Understanding Class 2 National Insurance is essential for anyone running a business or earning self-employed income in the UK. With changing tax rules and HMRC’s focus on digital reporting, it’s more important than ever to make sure your contributions are paid correctly and on time.

If you’re unsure how to calculate or pay your Class 2 NI — or want expert help with your Self Assessment tax return — our team of professionals is here to make the process smooth and stress-free.

📞 Contact MTA (My Tax Accountant)
WhatsApp / Phone: 07854 255375
📧 Email: [email protected]

Disclaimer: This video and description are intended for general informational purposes only and should not be considered professional tax or legal advice. Individual tax circumstances vary, and rates or rules may change during the 2025-26 tax year. Always seek guidance from a qualified tax adviser before making financial or tax-related decisions. Neither MTA (My Tax Accountant) nor the video creator accepts liability for any loss or damages resulting from reliance on this information.

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