Why is it so bloody hard to work out how much NI I pay?

[HJ40]

Bit of a whinge/vent, but my work are removing a benefit and paying an allowance in its place, and I need to work out what % NI rate I will pay on the allowance.

All of the websites I can find are hugely complex and the online calculators factor in total income

How can I work out my NI % rate. I'm a very boring full time employee, only one job.

It’s not that complicated.

As an employee either 12% or 2% if you earn over £4,189 per month before deductions.

www.gov.uk/national-insurance-rates-letters

Having said it’s not complicated, i didn’t word it well!!

To clarify it will be 12% unless your earn over £4, 189 per month in which case it will only be 2%.

So perhaps I'm overthinking... why is it less if I earn more!?

Thanks for replying, much appreciated.

Only the amount over the threshold is at the lower rate, the rest is tlstill at the higher rate.

Ok, that's one penny dropped, thank you. Starting to make a bit more sense.