National Insurance Refunds

You may be entitled to a refund of Class 4 National Insurance if you overpaid in previous tax years. It is easy to overpay if you are employed and self employed in the same tax year. To find out if this applies to you, use the tool below with your income records - you may be due a refund!

Tax YearEmployment IncomeSelf-Employment Profit 

Summary

Expected Class 4 NICs: 0.00

Paid Class 4 NICs: 0.00

Difference: 0.00

No refund due

It appears that you have paid the same amount of Class 4 NICs that the calculator would expect you to. However, you can check with HMRC to make sure.

The following page on the HMRC website has instructions for how to claim back overpaid National Insurance contributions.

How to use this tool

First, chose the tax year you want to check. Then enter your gross (i.e., before tax) income from employment into the first field. You can get this from your P60 or P45 from that year. Then enter the profit you made that year from self-employment in the second field, and the amount of Class 4 NICs you paid for that year into the third field (you can get this from your Self Assessment calculation from HMRC). When ready, click on the "Calculate" button.

The calculator will attempt to work out, from the information you provide, the maximum amount of Class 4 National Insurance Contributions (NICs) that you were liable for in the chosen tax year. This is compared with the amount of Class 4 NICs you say you paid for that tax year, to see if you might be due a refund. If you have multiple years to check, you can do them one at a time by changing the selected tax year and updating the other values.

This tool is intended as a rough guide, and assumes that the correct Class 1 (employment) and Class 2 (flat rate) NICs were paid by you that year. Assumptions in the calculator may lead to discrepancies between the displayed values and your actual National Insurance liability. HMRC will be able to confirm your actual liability.

If you think you might be due a refund, or would like to check with HMRC, they provide guidance on how to claim back overpaid National Insurance contributions.

If, when you speak to HMRC, they think you might be due a refund, they will probably ask you to complete form CA5610. For this form you will need to know how much Class 1, Class 2 and Class 4 NICs you paid for each tax year. You can claim for more than one tax year on the same form.

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