[{"data":1,"prerenderedAt":4798},["ShallowReactive",2],{"en-blog/national-insurance":3,"en-global-content":1697,"en-article-global-content":3127,"en-blog-article-more-articles-4c34e454-8993-474f-a2d1-5c1f6a260e14":3391,"en-blog-article-more-articles-443243398":4779,"MarkdownRenderer_tKA4dtNmnLZQvoHdkjnERtJRCLX5DwHbtx57Im2pLVk":4784,"MarkdownRenderer_sGFWQbGHJ7ehuk2uK32YXBaBS4nR9u0zC7UU6bWOZc":4791},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1685,"full_slug":1686,"sort_by_date":43,"position":1687,"tag_list":1688,"is_startpage":28,"parent_id":1689,"meta_data":43,"group_id":1690,"first_published_at":1691,"release_id":43,"lang":49,"path":43,"alternates":1692,"default_full_slug":1686,"translated_slugs":1693},"National Insurance: a guide for employers","2024-02-14T10:34:37.984Z","2026-03-12T10:47:18.012Z","2026-03-12T10:48:01.176Z",443243398,"f1033aad-1a7b-4f02-a7c2-bf6e13d5d158",{"_uid":11,"roles":12,"title":13,"author":14,"topics":59,"content":81,"noIndex":28,"category":1638,"language":1662,"_editable":1663,"component":1651,"heroMedia":1664,"sidebarCta":1674,"publishedAt":1675,"readingTime":1676,"redirectUrl":25,"listingImage":1677,"metaDescription":1684},"4465fbe7-9c4f-4a9b-801d-0cd60c4af796",[],"National Insurance contributions: A guide for UK employers",{"name":15,"created_at":16,"published_at":6,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":41,"full_slug":42,"sort_by_date":43,"position":44,"tag_list":45,"is_startpage":28,"parent_id":46,"meta_data":43,"group_id":47,"first_published_at":48,"release_id":43,"lang":49,"path":43,"alternates":50,"default_full_slug":42,"translated_slugs":51,"_stopResolving":58},"Patrick Whatman","2022-08-16T21:32:07.937Z","2026-03-12T10:47:19.386Z",176463342,"defd6ca5-10c7-4170-b8b3-9cbff845ea7c",{"_uid":21,"links":22,"picture":23,"lastName":29,"component":30,"firstName":31,"description":32},"f10c0984-7977-4455-b0e8-e2e6723f7235",[],{"id":24,"alt":25,"name":25,"focus":25,"title":25,"filename":26,"copyright":25,"fieldtype":27,"is_external_url":28},4467235,"","https://a.storyblok.com/f/146026/256x256/f69aad01b3/patrick-whatman.png","asset",false,"Whatman","author","Patrick",{"type":33,"content":34},"doc",[35],{"type":36,"content":37},"paragraph",[38],{"text":39,"type":40},"Patrick Whatman is a content marketer and writer. He lives in Paris, loves music, and writes his own brand of cultural criticism for fun. Tweet him @mrwhatman where he mainly talks digital marketing, American sports and New Zealand trivia.","text","patrick-whatman","blog/author/patrick-whatman",null,0,[],176408854,"f3cc375f-1a91-4728-8bde-a438e19e3012","2022-11-02T15:26:20.589Z","default",[],[52,54,56],{"path":42,"name":43,"lang":53,"published":43},"fr",{"path":42,"name":43,"lang":55,"published":43},"de",{"path":42,"name":43,"lang":57,"published":43},"es",true,[60],{"name":61,"created_at":62,"published_at":6,"updated_at":63,"id":64,"uuid":65,"content":66,"slug":69,"full_slug":70,"sort_by_date":43,"position":71,"tag_list":72,"is_startpage":28,"parent_id":73,"meta_data":43,"group_id":74,"first_published_at":75,"release_id":43,"lang":49,"path":43,"alternates":76,"default_full_slug":70,"translated_slugs":77,"_stopResolving":58},"Finance strategy","2022-10-19T17:57:50.961Z","2026-03-12T10:47:22.861Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"_uid":67,"name":61,"component":68},"11f616ce-9f54-42bb-967c-fdb960b62cef","tag","finance-strategy","blog/topic/finance-strategy",-100,[],176456153,"5a788f5a-b853-4a56-959b-15a4ea69fd80","2022-11-02T15:24:54.143Z",[],[78,79,80],{"path":70,"name":43,"lang":53,"published":43},{"path":70,"name":43,"lang":55,"published":43},{"path":70,"name":43,"lang":57,"published":43},{"type":33,"content":82},[83,92,99,106,117,118,128,135,161,168,190,198,217,224,243,250,267,311,318,326,333,346,353,354,532,540,547,554,561,562,572,579,580,802,810,817,824,825,1081,1089,1096,1205,1223,1231,1238,1266,1284,1297,1305,1326,1333,1351,1440,1447,1454,1461,1469,1476,1483,1510,1517,1524,1532,1539],{"type":36,"content":84},[85],{"text":86,"type":40,"marks":87},"National Insurance contributions (NICs) make up a significant part of any UK company’s payroll costs. And given the relative complexity of the system, they can add a real administrative burden too. ",[88],{"type":89,"attrs":90},"textStyle",{"color":91},"rgb(0, 0, 0)",{"type":36,"content":93},[94],{"text":95,"type":40,"marks":96},"But it’s critical to understand your obligations and to help employees comprehend theirs. These contributions help sustain the UK’s social safety net, and failure to pay correctly can have serious consequences for the company and for individual staff. ",[97],{"type":89,"attrs":98},{"color":91},{"type":36,"content":100},[101],{"text":102,"type":40,"marks":103},"This article explains how the scheme works, when it applies, and how much you can expect to pay as a UK employer. ",[104],{"type":89,"attrs":105},{"color":91},{"type":107,"attrs":108},"blok",{"id":109,"body":110},"8e0dd090-45da-4f24-b8b2-1a041e16bacc",[111],{"_uid":112,"text":113,"color":114,"title":25,"_editable":115,"component":116},"i-e55284e7-6e37-41bd-9d3d-4f89eaa246b7","Disclaimer: This is not legal, accounting, or tax advice - it's simply a guide. If you need help, check with your accountant or [contact HMRC directly](https://www.gov.uk/contact-hmrc).\n\nRates and thresholds are accurate as of February 2024.","purple","\u003C!--#storyblok#{\"name\": \"callout\", \"space\": \"146026\", \"uid\": \"i-e55284e7-6e37-41bd-9d3d-4f89eaa246b7\", \"id\": \"443243398\"}-->","callout",{"type":36},{"type":119,"attrs":120,"content":122},"heading",{"level":121},2,[123],{"text":124,"type":40,"marks":125},"What is the UK’s National Insurance scheme?",[126],{"type":89,"attrs":127},{"color":91},{"type":36,"content":129},[130],{"text":131,"type":40,"marks":132},"National Insurance is a mandatory form of social security in the United Kingdom. Employed people (and their employers) over 16 years of age (and below pension age) must contribute, with the amount determined by the class and category of work. ",[133],{"type":89,"attrs":134},{"color":91},{"type":36,"content":136},[137,142,156],{"text":138,"type":40,"marks":139},"For the year 2022-2023, NICs ",[140],{"type":89,"attrs":141},{"color":91},{"text":143,"type":40,"marks":144},"amounted to more than £176 billion",[145,151,154],{"type":146,"attrs":147},"link",{"href":148,"uuid":43,"anchor":43,"target":149,"linktype":150},"https://www.statista.com/statistics/284314/united-kingdom-hmrc-tax-receipts-national-insurance-contributions/","_self","url",{"type":89,"attrs":152},{"color":153},"rgb(17, 85, 204)",{"type":155},"underline",{"text":157,"type":40,"marks":158}," out of a total of £788.6 billion in taxes collected by HMRC - 22%.",[159],{"type":89,"attrs":160},{"color":91},{"type":36,"content":162},[163],{"text":164,"type":40,"marks":165},"These contributions fund certain public benefits including state pensions, Jobseeker’s Allowance, Bereavement Support, Maternity Allowance, and some funds go towards the National Health Service (NHS).",[166],{"type":89,"attrs":167},{"color":91},{"type":36,"content":169},[170,175,185],{"text":171,"type":40,"marks":172},"The scheme is distinct from income tax. NI payments aren’t eligible to be used for general government spending - unlike most other taxes. But both are typically paid via ",[173],{"type":89,"attrs":174},{"color":91},{"text":176,"type":40,"marks":177},"HMRC’s PAYE",[178,182,184],{"type":146,"attrs":179},{"href":180,"uuid":43,"anchor":43,"target":181,"linktype":150},"https://www.gov.uk/contact-hmrc","_blank",{"type":89,"attrs":183},{"color":153},{"type":155},{"text":186,"type":40,"marks":187}," system during payroll processing. These payments should appear itemised on employee payslips. ",[188],{"type":89,"attrs":189},{"color":91},{"type":119,"attrs":191,"content":192},{"level":121},[193],{"text":194,"type":40,"marks":195},"Who has to pay NICs?",[196],{"type":89,"attrs":197},{"color":91},{"type":36,"content":199},[200,205,212],{"text":201,"type":40,"marks":202},"While ",[203],{"type":89,"attrs":204},{"color":91},{"text":206,"type":40,"marks":207},"the majority of workers (and their employers) make contributions",[208,210],{"type":209},"bold",{"type":89,"attrs":211},{"color":91},{"text":213,"type":40,"marks":214},", there are various thresholds that change who pays and how much. ",[215],{"type":89,"attrs":216},{"color":91},{"type":36,"content":218},[219],{"text":220,"type":40,"marks":221},"Here are those thresholds:",[222],{"type":89,"attrs":223},{"color":91},{"type":225,"content":226},"bullet_list",[227],{"type":228,"content":229},"list_item",[230],{"type":36,"content":231},[232,238],{"text":233,"type":40,"marks":234},"Lower Earning Limit (LEL)",[235,236],{"type":209},{"type":89,"attrs":237},{"color":91},{"text":239,"type":40,"marks":240},": The LEL for 2023/2024 is £123 per week, £533 per month, and £6,396 per year. Employees earning below the LEL don’t have National Insurance contributions deducted from their pay. ",[241],{"type":89,"attrs":242},{"color":91},{"type":36,"content":244},[245],{"text":246,"type":40,"marks":247},"They’re also not entitled to the associated benefits. ",[248],{"type":89,"attrs":249},{"color":91},{"type":225,"content":251},[252],{"type":228,"content":253},[254],{"type":36,"content":255},[256,262],{"text":257,"type":40,"marks":258},"Primary Threshold (PT)",[259,260],{"type":209},{"type":89,"attrs":261},{"color":91},{"text":263,"type":40,"marks":264},": The PT for 2023/2024 is £242 per week, £1,048 per month, and £12,570 per year. Employees need to make contributions when their earnings reach these amounts. ",[265],{"type":89,"attrs":266},{"color":91},{"type":225,"content":268},[269,296],{"type":228,"content":270},[271],{"type":36,"content":272},[273,279,284,291],{"text":274,"type":40,"marks":275},"Secondary Threshold (ST)",[276,277],{"type":209},{"type":89,"attrs":278},{"color":91},{"text":280,"type":40,"marks":281},": The ST for 2023/2024 £175 per week, £758 per month, and £9,100 per year. Beyond this threshold, employers start making contributions ",[282],{"type":89,"attrs":283},{"color":91},{"text":285,"type":40,"marks":286},"on top of ",[287,289],{"type":288},"italic",{"type":89,"attrs":290},{"color":91},{"text":292,"type":40,"marks":293},"what the employee pays.",[294],{"type":89,"attrs":295},{"color":91},{"type":228,"content":297},[298],{"type":36,"content":299},[300,306],{"text":301,"type":40,"marks":302},"Upper Earnings Limit (UEL)",[303,304],{"type":209},{"type":89,"attrs":305},{"color":91},{"text":307,"type":40,"marks":308},": The UEL is £967 per week, £4,189 per month, and £50,270 per year. At this threshold, the employee contribution reduces significantly. The employer rate remains the same.",[309],{"type":89,"attrs":310},{"color":91},{"type":36,"content":312},[313],{"text":314,"type":40,"marks":315},"We’ll see how these thresholds alter the NIC rates paid shortly. But first, let’s look at how the nature of the work (and age of the employee) impacts the contribution amount. ",[316],{"type":89,"attrs":317},{"color":91},{"type":119,"attrs":319,"content":320},{"level":121},[321],{"text":322,"type":40,"marks":323},"National Insurance categories",[324],{"type":89,"attrs":325},{"color":91},{"type":36,"content":327},[328],{"text":329,"type":40,"marks":330},"The amount of National Insurance to pay an employee depends on a relatively complex set of categories. Each category has its own contribution schedule, as you’ll see when we get to the rates below.  ",[331],{"type":89,"attrs":332},{"color":91},{"type":36,"content":334},[335,341],{"text":336,"type":40,"marks":337},"The majority of employees are category A",[338,339],{"type":209},{"type":89,"attrs":340},{"color":91},{"text":342,"type":40,"marks":343},". But it still pays to have the category range in mind and ensure that you contribute the right amount for each team member. ",[344],{"type":89,"attrs":345},{"color":91},{"type":36,"content":347},[348],{"text":349,"type":40,"marks":350},"[You’ll notice that our table below is not in alphabetical order. That’s because there are four categories related exclusively to freeports. We’ve kept these together at the bottom of the table.]",[351],{"type":89,"attrs":352},{"color":91},{"type":36},{"type":107,"attrs":355},{"id":109,"body":356},[357],{"_uid":358,"table":359,"_editable":530,"component":531},"i-2d1684b5-0bfc-460d-b750-b2b83128d718",{"tbody":360,"thead":519,"fieldtype":529},[361,375,387,399,411,423,435,447,459,471,483,495,507],{"_uid":362,"body":363,"_editable":373,"component":374},"eb54e0e3-652c-4e77-b7c6-cc77314b363f",[364,369],{"_uid":365,"value":366,"_editable":367,"component":368},"1e34f511-4a18-409e-98b3-de106ec67524","A","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"1e34f511-4a18-409e-98b3-de106ec67524\", \"id\": \"443243398\"}-->","_table_col",{"_uid":370,"value":371,"_editable":372,"component":368},"a333a5c3-5aca-46d5-a6e2-a423ee886cf1","Default: all employees not covered by another category letter","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"a333a5c3-5aca-46d5-a6e2-a423ee886cf1\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"_table_row\", \"space\": \"146026\", \"uid\": \"eb54e0e3-652c-4e77-b7c6-cc77314b363f\", \"id\": \"443243398\"}-->","_table_row",{"_uid":376,"body":377,"_editable":386,"component":374},"aaf82eea-8568-4550-bf70-99397dac69c7",[378,382],{"_uid":379,"value":380,"_editable":381,"component":368},"62228d15-53a5-4609-92e5-e8703b6d5d81","B","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"62228d15-53a5-4609-92e5-e8703b6d5d81\", \"id\": \"443243398\"}-->",{"_uid":383,"value":384,"_editable":385,"component":368},"982cc20d-422c-4663-b7b6-38e7e689a867","Married women and widows entitled to reduced National Insurance","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"982cc20d-422c-4663-b7b6-38e7e689a867\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"_table_row\", \"space\": \"146026\", \"uid\": \"aaf82eea-8568-4550-bf70-99397dac69c7\", \"id\": \"443243398\"}-->",{"_uid":388,"body":389,"_editable":398,"component":374},"344a7a91-9c12-4415-9731-92223ba92f92",[390,394],{"_uid":391,"value":392,"_editable":393,"component":368},"9c10fd6c-1303-41a9-b512-1e607e0c866c","C","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"9c10fd6c-1303-41a9-b512-1e607e0c866c\", \"id\": \"443243398\"}-->",{"_uid":395,"value":396,"_editable":397,"component":368},"fcdbaf4f-3058-4fa2-b7d5-f0a22b66533c","Employees over pension age","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"fcdbaf4f-3058-4fa2-b7d5-f0a22b66533c\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"_table_row\", \"space\": \"146026\", \"uid\": \"344a7a91-9c12-4415-9731-92223ba92f92\", \"id\": \"443243398\"}-->",{"_uid":400,"body":401,"_editable":410,"component":374},"3cf628c9-757f-4be2-9c80-c174476af6dd",[402,406],{"_uid":403,"value":404,"_editable":405,"component":368},"dc22222b-622b-4f5f-ae4e-d4924dfcd57e","H","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"dc22222b-622b-4f5f-ae4e-d4924dfcd57e\", \"id\": \"443243398\"}-->",{"_uid":407,"value":408,"_editable":409,"component":368},"2deb6126-870c-48c7-8d7d-43a9b24aafc3","Apprentices aged under 25","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"2deb6126-870c-48c7-8d7d-43a9b24aafc3\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"_table_row\", \"space\": \"146026\", \"uid\": \"3cf628c9-757f-4be2-9c80-c174476af6dd\", \"id\": \"443243398\"}-->",{"_uid":412,"body":413,"_editable":422,"component":374},"57c1006b-523a-449a-80c8-58d2629b23f8",[414,418],{"_uid":415,"value":416,"_editable":417,"component":368},"1c6a60d1-9553-43e6-8f1c-b4ec009d5706","J","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"1c6a60d1-9553-43e6-8f1c-b4ec009d5706\", \"id\": \"443243398\"}-->",{"_uid":419,"value":420,"_editable":421,"component":368},"db404d3e-467e-4260-84b8-8480eff45ce5","Employees already paying NI at another job (can defer payment)","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"db404d3e-467e-4260-84b8-8480eff45ce5\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"_table_row\", \"space\": \"146026\", \"uid\": \"57c1006b-523a-449a-80c8-58d2629b23f8\", \"id\": \"443243398\"}-->",{"_uid":424,"body":425,"_editable":434,"component":374},"a1fde34b-c9d2-47df-8fc6-dfa0c2ce0ea2",[426,430],{"_uid":427,"value":428,"_editable":429,"component":368},"5d669b84-6f15-472b-9d3e-48ba6cf5999a","M","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"5d669b84-6f15-472b-9d3e-48ba6cf5999a\", \"id\": \"443243398\"}-->",{"_uid":431,"value":432,"_editable":433,"component":368},"198320c3-a284-4f63-bfae-360651c94dbe","Employees aged under 21","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"198320c3-a284-4f63-bfae-360651c94dbe\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"_table_row\", \"space\": \"146026\", \"uid\": \"a1fde34b-c9d2-47df-8fc6-dfa0c2ce0ea2\", \"id\": \"443243398\"}-->",{"_uid":436,"body":437,"_editable":446,"component":374},"32e4a06d-bcf4-47db-b59f-5768d98f5513",[438,442],{"_uid":439,"value":440,"_editable":441,"component":368},"05790d14-7891-4ba5-bf6e-fbc34e0c98be","V","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"05790d14-7891-4ba5-bf6e-fbc34e0c98be\", \"id\": \"443243398\"}-->",{"_uid":443,"value":444,"_editable":445,"component":368},"71807b47-ad07-4b38-b226-2dbeb6e1eaef","Armed forces veterans working in their first job","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"71807b47-ad07-4b38-b226-2dbeb6e1eaef\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"_table_row\", \"space\": \"146026\", \"uid\": \"32e4a06d-bcf4-47db-b59f-5768d98f5513\", \"id\": \"443243398\"}-->",{"_uid":448,"body":449,"_editable":458,"component":374},"02306981-bea2-4a5c-baca-4be843e0bf30",[450,454],{"_uid":451,"value":452,"_editable":453,"component":368},"58f8c0b4-e774-418b-bf48-c714d751e580","Z","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"58f8c0b4-e774-418b-bf48-c714d751e580\", \"id\": \"443243398\"}-->",{"_uid":455,"value":456,"_editable":457,"component":368},"828f00ba-136e-4478-81ab-2332c8c1fd99","Employees under 21 already paying NI at another job (can defer payment)","\u003C!--#storyblok#{\"name\": \"_table_col\", \"space\": \"146026\", \"uid\": \"828f00ba-136e-4478-81ab-2332c8c1fd99\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"_table_row\", \"space\": \"146026\", \"uid\": \"02306981-bea2-4a5c-baca-4be843e0bf30\", \"id\": 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And the amounts are not the same - in most cases the employer’s contribution is higher than the employee’s. ",[545],{"type":89,"attrs":546},{"color":91},{"type":36,"content":548},[549],{"text":550,"type":40,"marks":551},"The rate is determined by the employee’s category (see above) and their salary. While most employees fall into category A, you may still have some exceptions and edge cases to be aware of. ",[552],{"type":89,"attrs":553},{"color":91},{"type":107,"attrs":555},{"id":109,"body":556},[557],{"_uid":558,"text":559,"color":114,"title":25,"_editable":560,"component":116},"i-d1f8d337-0545-4c04-aa0f-f27683971aa3","As with tax, **NI contributions are progressive**. So each employee makes *zero* contribution on their earnings below £1,048 per month, then the relevant rate between £1,048.01 and £4,189, and a different rate above £4,189.\n\nThe same applies to employer contributions.","\u003C!--#storyblok#{\"name\": \"callout\", \"space\": \"146026\", \"uid\": \"i-d1f8d337-0545-4c04-aa0f-f27683971aa3\", \"id\": \"443243398\"}-->",{"type":36},{"type":119,"attrs":563,"content":565},{"level":564},3,[566],{"text":567,"type":40,"marks":568},"NI rates for employees",[569],{"type":89,"attrs":570},{"color":571},"rgb(67, 67, 67)",{"type":36,"content":573},[574],{"text":575,"type":40,"marks":576},"The following rates apply from 6 January 2024 to 5 April 2024. 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\"space\": \"146026\", \"uid\": \"3885584f-45d7-443c-bc25-23678de00b88\", \"id\": \"443243398\"}-->","\u003C!--#storyblok#{\"name\": \"simpleTable\", \"space\": \"146026\", \"uid\": \"i-3644f15c-4559-48f3-8ea2-b465265e1e4c\", \"id\": \"443243398\"}-->",{"type":119,"attrs":1082,"content":1083},{"level":121},[1084],{"text":1085,"type":40,"marks":1086},"National Insurance classes",[1087],{"type":89,"attrs":1088},{"color":91},{"type":36,"content":1090},[1091],{"text":1092,"type":40,"marks":1093},"As well as categories, NI contributions are also divided into separate classes. Here they are, briefly:",[1094],{"type":89,"attrs":1095},{"color":91},{"type":225,"content":1097},[1098,1113,1134,1160,1175,1190],{"type":228,"content":1099},[1100],{"type":36,"content":1101},[1102,1108],{"text":1103,"type":40,"marks":1104},"Class 1",[1105,1106],{"type":209},{"type":89,"attrs":1107},{"color":91},{"text":1109,"type":40,"marks":1110},": Standard contributions made by employees and employers based on the salary paid. ",[1111],{"type":89,"attrs":1112},{"color":91},{"type":228,"content":1114},[1115],{"type":36,"content":1116},[1117,1123,1128],{"text":1118,"type":40,"marks":1119},"Class 1A",[1120,1121],{"type":209},{"type":89,"attrs":1122},{"color":91},{"text":1124,"type":40,"marks":1125},": Related to the value of company cars or other benefits in kind offered to employees.",[1126],{"type":89,"attrs":1127},{"color":91},{"text":1129,"type":40,"marks":1130}," ",[1131,1132],{"type":209},{"type":89,"attrs":1133},{"color":91},{"type":228,"content":1135},[1136],{"type":36,"content":1137},[1138,1144,1149,1155],{"text":1139,"type":40,"marks":1140},"Class 1B",[1141,1142],{"type":209},{"type":89,"attrs":1143},{"color":91},{"text":1145,"type":40,"marks":1146},": Paid by the employer where there’s a PAYE settlement agreement in place. This applies to certain irregular benefits offered, where it’s easiest to contribute ",[1147],{"type":89,"attrs":1148},{"color":91},{"text":1150,"type":40,"marks":1151},"annually",[1152,1153],{"type":288},{"type":89,"attrs":1154},{"color":91},{"text":1156,"type":40,"marks":1157},", outside of the regular PAYE system.",[1158],{"type":89,"attrs":1159},{"color":91},{"type":228,"content":1161},[1162],{"type":36,"content":1163},[1164,1170],{"text":1165,"type":40,"marks":1166},"Class 2",[1167,1168],{"type":209},{"type":89,"attrs":1169},{"color":91},{"text":1171,"type":40,"marks":1172},": Apply to self-employed people earning over £6,725 per year in profit.",[1173],{"type":89,"attrs":1174},{"color":91},{"type":228,"content":1176},[1177],{"type":36,"content":1178},[1179,1185],{"text":1180,"type":40,"marks":1181},"Class 3",[1182,1183],{"type":209},{"type":89,"attrs":1184},{"color":91},{"text":1186,"type":40,"marks":1187},": Voluntary payments made to cover gaps from unemployment, time away from the UK, or other missed contributions. ",[1188],{"type":89,"attrs":1189},{"color":91},{"type":228,"content":1191},[1192],{"type":36,"content":1193},[1194,1200],{"text":1195,"type":40,"marks":1196},"Class 4",[1197,1198],{"type":209},{"type":89,"attrs":1199},{"color":91},{"text":1201,"type":40,"marks":1202},": Again for self-employed people, but with more than £11,908 in profit.",[1203],{"type":89,"attrs":1204},{"color":91},{"type":36,"content":1206},[1207,1212,1218],{"text":1208,"type":40,"marks":1209},"Importantly, ",[1210],{"type":89,"attrs":1211},{"color":91},{"text":1213,"type":40,"marks":1214},"Class 1A, 1B, and 4 contributions are not credited to the employee’s National Insurance account",[1215,1216],{"type":209},{"type":89,"attrs":1217},{"color":91},{"text":1219,"type":40,"marks":1220},", and thus bring no extra benefit entitlements. ",[1221],{"type":89,"attrs":1222},{"color":91},{"type":119,"attrs":1224,"content":1225},{"level":121},[1226],{"text":1227,"type":40,"marks":1228},"National Insurance on expenses and benefits",[1229],{"type":89,"attrs":1230},{"color":91},{"type":36,"content":1232},[1233],{"text":1234,"type":40,"marks":1235},"Similar to income tax, we think of NICs as applying to an employee’s core salary. Which of course is true. But Class 1A and 1B contributions apply to some expenses and benefits where the employee has gained real value.",[1236],{"type":89,"attrs":1237},{"color":91},{"type":36,"content":1239},[1240,1245,1261],{"text":1241,"type":40,"marks":1242},"This uses the same basic principle as ",[1243],{"type":89,"attrs":1244},{"color":91},{"text":1246,"type":40,"marks":1247},"benefits in kind",[1248,1258,1260],{"type":146,"attrs":1249},{"href":1250,"uuid":1251,"anchor":43,"target":149,"linktype":1252,"story":1253},"/blog/benefit-in-kind","7a68df2f-2265-444e-b947-f30c5a8ead81","story",{"name":1254,"id":1255,"uuid":1251,"slug":1256,"url":1257,"full_slug":1257,"_stopResolving":58},"Benefit in kind: how to track & calculate for British & Irish companies",387343827,"benefit-in-kind","blog/benefit-in-kind",{"type":89,"attrs":1259},{"color":153},{"type":155},{"text":1262,"type":40,"marks":1263},". Companies and workers shouldn’t be able to avoid taxes by replacing a classic salary with other value-adding benefits. ",[1264],{"type":89,"attrs":1265},{"color":91},{"type":36,"content":1267},[1268,1273,1279],{"text":1269,"type":40,"marks":1270},"For example, if your employee uses a company car ",[1271],{"type":89,"attrs":1272},{"color":91},{"text":1274,"type":40,"marks":1275},"outside of work",[1276,1277],{"type":288},{"type":89,"attrs":1278},{"color":91},{"text":1280,"type":40,"marks":1281},", this is a clear asset that they’d otherwise have to spend their own salary on. And therefore there should be taxes and NICs paid. ",[1282],{"type":89,"attrs":1283},{"color":91},{"type":36,"content":1285},[1286,1292],{"text":1287,"type":40,"marks":1288},"The NIC rate for Class 1A and 1B is 13.8%",[1289,1290],{"type":209},{"type":89,"attrs":1291},{"color":91},{"text":1293,"type":40,"marks":1294},".",[1295],{"type":89,"attrs":1296},{"color":91},{"type":119,"attrs":1298,"content":1299},{"level":564},[1300],{"text":1301,"type":40,"marks":1302},"When NICs are required",[1303],{"type":89,"attrs":1304},{"color":571},{"type":36,"content":1306},[1307,1312,1321],{"text":1308,"type":40,"marks":1309},"NICs and income tax are both supposed to be ",[1310],{"type":89,"attrs":1311},{"color":91},{"text":1313,"type":40,"marks":1314},"applied to earnings",[1315,1318,1320],{"type":146,"attrs":1316},{"href":1317,"uuid":43,"anchor":43,"target":181,"linktype":150},"https://www.gov.uk/hmrc-internal-manuals/national-insurance-manual/nim05020",{"type":89,"attrs":1319},{"color":153},{"type":155},{"text":1322,"type":40,"marks":1323},": “any remuneration or profit derived from employment.” So in order for NICs to be paid, the employee needs to have gained in some way. ",[1324],{"type":89,"attrs":1325},{"color":91},{"type":36,"content":1327},[1328],{"text":1329,"type":40,"marks":1330},"(Almost) any expense or benefit that the employee incurs while carrying out their work is a business cost. They haven’t gained anything personally, and therefore shouldn’t have to pay tax or NICs when they’re reimbursed.",[1331],{"type":89,"attrs":1332},{"color":91},{"type":36,"content":1334},[1335,1340,1346],{"text":1336,"type":40,"marks":1337},"But, ",[1338],{"type":89,"attrs":1339},{"color":91},{"text":1341,"type":40,"marks":1342},"exceptions apply",[1343,1344],{"type":288},{"type":89,"attrs":1345},{"color":91},{"text":1347,"type":40,"marks":1348},". In the following cases, the company and employee may be required to make contributions: ",[1349],{"type":89,"attrs":1350},{"color":91},{"type":225,"content":1352},[1353,1382,1411],{"type":228,"content":1354},[1355],{"type":36,"content":1356},[1357,1362,1377],{"text":1358,"type":40,"marks":1359},"If they are reimbursed as part of a ",[1360],{"type":89,"attrs":1361},{"color":91},{"text":1363,"type":40,"marks":1364},"salary sacrifice",[1365,1374,1376],{"type":146,"attrs":1366},{"href":1367,"uuid":1368,"anchor":43,"target":149,"linktype":1252,"story":1369},"/blog/hmrc-salary-sacrifice","d9761835-0717-4b39-a140-ec757f51bdc1",{"name":1370,"id":1371,"uuid":1368,"slug":1372,"url":1373,"full_slug":1373,"_stopResolving":58},"HMRC salary sacrifice: how to give employees more financial flexibility",213435142,"hmrc-salary-sacrifice","blog/hmrc-salary-sacrifice",{"type":89,"attrs":1375},{"color":153},{"type":155},{"text":1378,"type":40,"marks":1379}," scheme.",[1380],{"type":89,"attrs":1381},{"color":91},{"type":228,"content":1383},[1384],{"type":36,"content":1385},[1386,1391,1406],{"text":1387,"type":40,"marks":1388},"If the amount reimbursed is above HMRC’s pre-approved ",[1389],{"type":89,"attrs":1390},{"color":91},{"text":1392,"type":40,"marks":1393},"meal allowance rate",[1394,1403,1405],{"type":146,"attrs":1395},{"href":1396,"uuid":1397,"anchor":43,"target":149,"linktype":1252,"story":1398},"/blog/hmrc-meal-allowance-rates","8b08b4c1-ca6d-48d4-bcaf-a25ad4301337",{"name":1399,"id":1400,"uuid":1397,"slug":1401,"url":1402,"full_slug":1402,"_stopResolving":58},"UK per diem: how HMRC meal allowance rates work",208785665,"hmrc-meal-allowance-rates","blog/hmrc-meal-allowance-rates",{"type":89,"attrs":1404},{"color":153},{"type":155},{"text":1407,"type":40,"marks":1408}," (per diem).",[1409],{"type":89,"attrs":1410},{"color":91},{"type":228,"content":1412},[1413],{"type":36,"content":1414},[1415,1420,1435],{"text":1416,"type":40,"marks":1417},"If the amount reimbursed for ",[1418],{"type":89,"attrs":1419},{"color":91},{"text":1421,"type":40,"marks":1422},"mileage allowances",[1423,1432,1434],{"type":146,"attrs":1424},{"href":1425,"uuid":1426,"anchor":43,"target":149,"linktype":1252,"story":1427},"/blog/mileage-allowance-hmrc","997661b1-d82b-485a-ae8e-fe2bf735c012",{"name":1428,"id":1429,"uuid":1426,"slug":1430,"url":1431,"full_slug":1431,"_stopResolving":58},"HMRC mileage allowance: How to manage company car travel",208733158,"mileage-allowance-hmrc","blog/mileage-allowance-hmrc",{"type":89,"attrs":1433},{"color":153},{"type":155},{"text":1436,"type":40,"marks":1437}," is above HMRC’s approved rate.",[1438],{"type":89,"attrs":1439},{"color":91},{"type":36,"content":1441},[1442],{"text":1443,"type":40,"marks":1444},"Class 1A rates also apply to redundancy payments. ",[1445],{"type":89,"attrs":1446},{"color":91},{"type":36,"content":1448},[1449],{"text":1450,"type":40,"marks":1451},"In some cases, companies can negotiate new per diem and mileage rates with HMRC directly. But in most cases, these rates exist to prevent companies from paying out excess amounts in place of salary, and attempting to reduce the tax impact. ",[1452],{"type":89,"attrs":1453},{"color":91},{"type":36,"content":1455},[1456],{"text":1457,"type":40,"marks":1458},"You can still reimburse above these rates, but tax and NICs will apply. ",[1459],{"type":89,"attrs":1460},{"color":91},{"type":119,"attrs":1462,"content":1463},{"level":121},[1464],{"text":1465,"type":40,"marks":1466},"Automate and track for easy NICs",[1467],{"type":89,"attrs":1468},{"color":91},{"type":36,"content":1470},[1471],{"text":1472,"type":40,"marks":1473},"The various thresholds, rates, and exceptions above can make tracking and paying NICs correctly difficult. And relying on spreadsheets and your own ability to navigate these rules is a losing battle. ",[1474],{"type":89,"attrs":1475},{"color":91},{"type":36,"content":1477},[1478],{"text":1479,"type":40,"marks":1480},"That’s where a few good pieces of tech can really help.",[1481],{"type":89,"attrs":1482},{"color":91},{"type":36,"content":1484},[1485,1490,1505],{"text":1486,"type":40,"marks":1487},"First, you absolutely need ",[1488],{"type":89,"attrs":1489},{"color":91},{"text":1491,"type":40,"marks":1492},"payroll automation software",[1493,1502,1504],{"type":146,"attrs":1494},{"href":1495,"uuid":1496,"anchor":43,"target":149,"linktype":1252,"story":1497},"/blog/payroll-automation-software","6187b884-d4e4-4899-b3f8-e9ab8e5e971c",{"name":1498,"id":1499,"uuid":1496,"slug":1500,"url":1501,"full_slug":1501,"_stopResolving":58},"5 payroll automation software solutions for growing businesses",213434032,"payroll-automation-software","blog/payroll-automation-software",{"type":89,"attrs":1503},{"color":153},{"type":155},{"text":1506,"type":40,"marks":1507},". Make sure it integrates with HMRCs PAYE system and that contributions are calculated quickly and accurately. ",[1508],{"type":89,"attrs":1509},{"color":91},{"type":36,"content":1511},[1512],{"text":1513,"type":40,"marks":1514},"Second, you must track company expenses closely. Again, trying to do this with paper expense claims and Excel files will only take you so far. Good expense tracking software is a far smarter, faster, and more reliable choice. ",[1515],{"type":89,"attrs":1516},{"color":91},{"type":36,"content":1518},[1519],{"text":1520,"type":40,"marks":1521},"See how easy it is to upgrade all your operational spend processes:",[1522],{"type":89,"attrs":1523},{"color":91},{"type":107,"attrs":1525},{"id":109,"body":1526},[1527],{"_uid":1528,"html":1529,"_editable":1530,"component":1531},"i-aa4e6616-6acc-406b-a2b8-88056d253f39","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-611be7d5-74ab-4ee5-b76b-3a056a11abf3\">\u003Cspan class=\"hs-cta-node hs-cta-611be7d5-74ab-4ee5-b76b-3a056a11abf3\" id=\"hs-cta-611be7d5-74ab-4ee5-b76b-3a056a11abf3\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/611be7d5-74ab-4ee5-b76b-3a056a11abf3\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-611be7d5-74ab-4ee5-b76b-3a056a11abf3\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/611be7d5-74ab-4ee5-b76b-3a056a11abf3.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '611be7d5-74ab-4ee5-b76b-3a056a11abf3', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","\u003C!--#storyblok#{\"name\": \"embed\", \"space\": \"146026\", \"uid\": \"i-aa4e6616-6acc-406b-a2b8-88056d253f39\", \"id\": \"443243398\"}-->","embed",{"type":119,"attrs":1533,"content":1534},{"level":564},[1535],{"text":1536,"type":40,"marks":1537},"More on HMRC and tax",[1538],{"type":209},{"type":225,"content":1540},[1541,1551,1561,1572,1583,1594,1605,1616,1627],{"type":228,"content":1542},[1543],{"type":36,"content":1544},[1545],{"text":1370,"type":40,"marks":1546},[1547,1550],{"type":146,"attrs":1548},{"href":1549,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://www.spendesk.com/blog/hmrc-salary-sacrifice/",{"type":155},{"type":228,"content":1552},[1553],{"type":36,"content":1554},[1555],{"text":1254,"type":40,"marks":1556},[1557,1560],{"type":146,"attrs":1558},{"href":1559,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://www.spendesk.com/blog/benefit-in-kind/",{"type":155},{"type":228,"content":1562},[1563],{"type":36,"content":1564},[1565],{"text":1566,"type":40,"marks":1567},"UK per diem: How HMRC meal allowance rates work",[1568,1571],{"type":146,"attrs":1569},{"href":1570,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://blog.spendesk.com/en/hmrc-meal-allowance-rates",{"type":155},{"type":228,"content":1573},[1574],{"type":36,"content":1575},[1576],{"text":1577,"type":40,"marks":1578},"HMRC mileage allowance: How to manage employee car travel",[1579,1582],{"type":146,"attrs":1580},{"href":1581,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://blog.spendesk.com/en/mileage-allowance-hmrc",{"type":155},{"type":228,"content":1584},[1585],{"type":36,"content":1586},[1587],{"text":1588,"type":40,"marks":1589},"Expense receipts: What is a valid proof of purchase?",[1590,1593],{"type":146,"attrs":1591},{"href":1592,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://blog.spendesk.com/en/proof-of-purchase-for-business-expenses",{"type":155},{"type":228,"content":1595},[1596],{"type":36,"content":1597},[1598],{"text":1599,"type":40,"marks":1600},"e-Receipts: How to store digital receipts for your business expenses",[1601,1604],{"type":146,"attrs":1602},{"href":1603,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://blog.spendesk.com/en/e-receipts-digital-receipts",{"type":155},{"type":228,"content":1606},[1607],{"type":36,"content":1608},[1609],{"text":1610,"type":40,"marks":1611},"How HMRC advisory fuel rates work for UK businesses",[1612,1615],{"type":146,"attrs":1613},{"href":1614,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://blog.spendesk.com/en/hmrc-advisory-fuel-rates",{"type":155},{"type":228,"content":1617},[1618],{"type":36,"content":1619},[1620],{"text":1621,"type":40,"marks":1622},"HMRC Employment Allowance 2022: the rules & how to claim",[1623,1626],{"type":146,"attrs":1624},{"href":1625,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://blog.spendesk.com/en/hmrc-employment-allowance",{"type":155},{"type":228,"content":1628},[1629],{"type":36,"content":1630},[1631],{"text":1632,"type":40,"marks":1633},"How HMRC research & development (R&D) tax credits work",[1634,1637],{"type":146,"attrs":1635},{"href":1636,"uuid":43,"anchor":43,"target":43,"linktype":150},"https://www.spendesk.com/blog/hmrc-rd-tax-credits/",{"type":155},{"name":1639,"created_at":1640,"published_at":6,"updated_at":1641,"id":1642,"uuid":1643,"content":1644,"slug":1651,"full_slug":1652,"sort_by_date":43,"position":44,"tag_list":1653,"is_startpage":28,"parent_id":1654,"meta_data":43,"group_id":1655,"first_published_at":1656,"release_id":43,"lang":49,"path":43,"alternates":1657,"default_full_slug":1652,"translated_slugs":1658,"_stopResolving":58},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1645,"icon":1646,"name":1639,"component":1650},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1647,"alt":1648,"name":25,"focus":25,"title":25,"filename":1649,"copyright":25,"fieldtype":27,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],[1659,1660,1661],{"path":1652,"name":43,"lang":53,"published":43},{"path":1652,"name":43,"lang":55,"published":43},{"path":1652,"name":43,"lang":57,"published":43},[49],"\u003C!--#storyblok#{\"name\": 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00:00","5",[1678],{"_uid":1679,"type":25,"asset":1680,"shadow":28,"caption":25,"overlay":1682,"_editable":1683,"component":1673},"5d0833a9-3440-4cd2-911a-a5423b7b01a5",{"id":1668,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1669,"copyright":25,"fieldtype":27,"meta_data":1681,"is_private":25,"is_external_url":28},{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"5d0833a9-3440-4cd2-911a-a5423b7b01a5\", \"id\": \"443243398\"}-->","How do the UK's National Insurance contributions work for companies? This article explains your obligations, and the amounts you can expect to pay per employee.","national-insurance","blog/national-insurance",-80,[],176386517,"1e719a78-97d3-4349-9f50-bcc3638c876b","2024-02-14T15:00:07.480Z",[],[1694,1695,1696],{"path":1686,"name":43,"lang":53,"published":43},{"path":1686,"name":43,"lang":55,"published":43},{"path":1686,"name":43,"lang":57,"published":43},{"header":1698,"footer":2492,"commonContent":2941,"userCentricsAndSegmentMappingTable":3094},{"name":1699,"created_at":1700,"published_at":1701,"updated_at":1702,"id":1703,"uuid":1704,"content":1705,"slug":2383,"full_slug":2480,"sort_by_date":43,"position":44,"tag_list":2481,"is_startpage":28,"parent_id":2483,"meta_data":43,"group_id":2484,"first_published_at":2485,"release_id":43,"lang":49,"path":2486,"alternates":2487,"default_full_slug":2480,"translated_slugs":2488},"Header","2022-03-03T10:18:44.837Z","2026-03-04T13:16:18.812Z","2026-03-04T13:16:18.853Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":1706,"logo":1707,"navbar":1712,"loginBtn":2382,"component":2383,"languages":2384,"logoBlack":2403,"logoWhite":2407,"topNavbar":2412,"homepageLink":2421,"getStartedBtn":2431,"announcementBanner":2444,"localeSwitcherTitle":2479},"d642d99f-3914-487e-abe1-9515eca76325",{"id":1708,"alt":1709,"name":25,"focus":25,"title":1709,"source":25,"filename":1710,"copyright":25,"fieldtype":27,"meta_data":1711,"is_external_url":28},4112223,"Spendesk","https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[1713,1887,2133,2142,2153,2311],{"_uid":1714,"label":1715,"columns":1716,"component":1824,"headingNewBranding":1825},"e4e694b0-b265-4570-ad24-bd39e68e252d","Solutions",[1717,1782],{"_uid":1718,"ctas":1719,"label":1779,"component":1780,"labelColor":25,"backgroundIconColor":1781},"910b58bd-214d-44e6-b817-868580118d44",[1720,1737,1751,1765],{"tag":25,"_uid":1721,"hide":28,"icon":1722,"link":1726,"type":25,"label":1734,"style":1735,"component":1736,"mobileLabel":25,"onClickEvent":25,"openInANewTab":28,"horizontalFill":28},"07b7af57-b06c-45b7-89cf-41aeacb0c1da",{"id":1723,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1724,"copyright":25,"fieldtype":27,"meta_data":1725,"is_external_url":28},16281094,"https://a.storyblok.com/f/146026/16x16/acfb59577a/icon-plane-carbon_no-bg.svg",{},{"id":1727,"url":25,"linktype":1252,"fieldtype":1728,"cached_url":1729,"story":1730},"2a707a65-6597-4ae6-bbc2-5e3f13075706","multilink","use-cases/travel-spending",{"name":1731,"id":1732,"uuid":1727,"slug":1733,"url":1729,"full_slug":1729,"_stopResolving":58},"Travel 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Spendesk lets finance teams filter by team, project, or GL code, set budget thresholds, and receive alerts on overspend, providing immediate visibility into cash flow and enabling faster, more accurate monthly closes and forecasting.",[4379],{"cta":4380,"_uid":4381,"title":4382,"eyebrow":4388,"subtitle":4391,"component":119,"textAlign":25,"sectionSettings":4394,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":25},[],"15afbd7c-f915-49db-b7db-83f1524b687c",{"type":33,"content":4383},[4384],{"type":119,"attrs":4385,"content":4386},{"level":121},[4387],{"text":2196,"type":40},{"type":33,"content":4389},[4390],{"type":36},{"type":33,"content":4392},[4393],{"type":36},[],[4396],{"_uid":4397,"hide":28,"theme":3659,"anchorId":25,"component":3660,"spacingTop":25,"hideOnDevices":4398,"spacingBottom":25,"floatingImages":4399,"variableOverrides":4400},"3b966011-35c0-45fe-aee4-eb2fb757e5a9",[],[],[],"real-time-spend-tracking","blog/real-time-spend-tracking",90,[],"f687d636-0390-4df5-9e66-3406fd3f9c81","2026-02-23T09:16:19.668Z",[],[4409,4410,4411],{"path":4402,"name":43,"lang":53,"published":43},{"path":4402,"name":43,"lang":55,"published":43},{"path":4402,"name":43,"lang":57,"published":43},{"name":4413,"created_at":4414,"published_at":4415,"updated_at":4416,"id":4417,"uuid":4418,"content":4419,"slug":4529,"full_slug":4530,"sort_by_date":43,"position":4531,"tag_list":4532,"is_startpage":28,"parent_id":1689,"meta_data":43,"group_id":4533,"first_published_at":4534,"release_id":43,"lang":49,"path":43,"alternates":4535,"default_full_slug":4530,"translated_slugs":4536},"24 CFO blogs, resources, guides & events to grow as a leader","2023-09-01T06:12:01.477Z","2026-03-20T15:33:11.782Z","2026-03-20T15:33:11.829Z",364315017,"b4d260bb-d326-40e5-a23f-097cea356d61",{"_uid":4420,"title":4413,"topics":4421,"noIndex":28,"category":4430,"language":4439,"_editable":4440,"component":1651,"heroMedia":4441,"publishedAt":4450,"readingTime":4108,"redirectUrl":25,"listingImage":4451,"metaDescription":4458,"componentsAfterTheArticle":4459},"cff56e6b-4f82-4e47-b9e4-3748d667dff5",[4422],{"name":61,"created_at":62,"published_at":6,"updated_at":63,"id":64,"uuid":65,"content":4423,"slug":69,"full_slug":70,"sort_by_date":43,"position":71,"tag_list":4424,"is_startpage":28,"parent_id":73,"meta_data":43,"group_id":74,"first_published_at":75,"release_id":43,"lang":49,"path":43,"alternates":4425,"default_full_slug":70,"translated_slugs":4426,"_stopResolving":58},{"_uid":67,"name":61,"component":68},[],[],[4427,4428,4429],{"path":70,"name":43,"lang":53,"published":43},{"path":70,"name":43,"lang":55,"published":43},{"path":70,"name":43,"lang":57,"published":43},{"name":1639,"created_at":1640,"published_at":6,"updated_at":1641,"id":1642,"uuid":1643,"content":4431,"slug":1651,"full_slug":1652,"sort_by_date":43,"position":44,"tag_list":4433,"is_startpage":28,"parent_id":1654,"meta_data":43,"group_id":1655,"first_published_at":1656,"release_id":43,"lang":49,"path":43,"alternates":4434,"default_full_slug":1652,"translated_slugs":4435,"_stopResolving":58},{"_uid":1645,"icon":4432,"name":1639,"component":1650},{"id":1647,"alt":1648,"name":25,"focus":25,"title":25,"filename":1649,"copyright":25,"fieldtype":27,"is_external_url":28},[],[],[4436,4437,4438],{"path":1652,"name":43,"lang":53,"published":43},{"path":1652,"name":43,"lang":55,"published":43},{"path":1652,"name":43,"lang":57,"published":43},[49],"\u003C!--#storyblok#{\"name\": \"article\", \"space\": \"146026\", \"uid\": \"cff56e6b-4f82-4e47-b9e4-3748d667dff5\", \"id\": \"364315017\"}-->",[4442],{"_uid":4443,"type":25,"asset":4444,"shadow":28,"caption":25,"overlay":4448,"_editable":4449,"component":1673},"2d8737ed-af32-46e0-acc2-5106038bd133",{"id":4445,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":4446,"copyright":25,"fieldtype":27,"meta_data":4447,"is_external_url":28},10915736,"https://a.storyblok.com/f/146026/2380x1340/64ea30b6fe/cfo-blogs-resources.png",{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"2d8737ed-af32-46e0-acc2-5106038bd133\", \"id\": \"364315017\"}-->","2023-09-01 00:00",[4452],{"_uid":4453,"type":25,"asset":4454,"shadow":28,"caption":25,"overlay":4456,"_editable":4457,"component":1673},"6712b123-84ce-4f89-a07b-fb4107c648e7",{"id":4445,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":4446,"copyright":25,"fieldtype":27,"meta_data":4455,"is_external_url":28},{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"6712b123-84ce-4f89-a07b-fb4107c648e7\", \"id\": \"364315017\"}-->","Looking for blogs and resources to upskill and grow as a CFO or finance leader? This list features some of the best places to start.",[4460],{"_uid":4461,"items":4462,"heading":4506,"reverse":28,"component":3387,"sectionSettings":4523},"0e26eb32-e252-4685-a781-67f22eaf918c",[4463,4471,4479,4488,4497],{"_uid":4464,"title":3240,"component":3241,"description":4465},"cb88c984-1f60-40ce-995e-25d8b2cebece",{"type":33,"content":4466},[4467],{"type":36,"content":4468},[4469],{"text":4470,"type":40},"Spend management is the end-to-end process finance teams use to control company spending. Spendesk centralizes purchase approvals, virtual and physical debit cards, automated receipt capture, invoice workflows, and coding for VAT and expense accounts, giving finance teams real-time visibility and simpler reconciliation. Implementing Spendesk reduces lost receipts, speeds approvals, and enforces budgeting rules across teams.",{"_uid":4472,"title":3311,"component":3241,"description":4473},"3068e30a-f5e4-4c66-aaf7-a4fdaeabd492",{"type":33,"content":4474},[4475],{"type":36,"content":4476},[4477],{"text":4478,"type":40},"Spendesk provides card-based payments, approvals, and automated expense workflows to manage company spending. Employees use virtual or physical Spendesk debit cards and the mobile app to capture receipts and submit expenses; managers approve requests through pre-configured workflows; finance uses real-time dashboards, budget controls, and accounting integrations to reconcile spend and export compliant reports.",{"_uid":4480,"title":4481,"component":3241,"description":4482},"5c7bb09e-f244-4dac-b1f1-e105c664d688","What CFO blogs and resources are on this page?",{"type":33,"content":4483},[4484],{"type":36,"content":4485},[4486],{"text":4487,"type":40},"This page lists 24 CFO blogs, resources, guides, and events curated by Spendesk. It includes leadership articles, finance automation guides, downloadable templates, webinars, and event listings that focus on budgeting, spend controls, and financial reporting. Each resource links to full content and practical how-to advice that CFOs can apply to improve controls and processes.",{"_uid":4489,"title":4490,"component":3241,"description":4491},"639f884c-79d3-48bd-a772-11e42bc5b53a","Are the CFO resources on this page free to access?",{"type":33,"content":4492},[4493],{"type":36,"content":4494},[4495],{"text":4496,"type":40},"Most CFO resources on this page are free to access and downloadable directly; Spendesk provides articles, templates, and webinar recordings without a paid subscription. Some live events and premium workshops require registration or a fee, and Spendesk provides clear labels and sign-up links for any paid offerings.",{"_uid":4498,"title":4499,"component":3241,"description":4500},"d8eb87f2-fe52-41b3-92c0-50073fe86f29","How can CFOs use Spendesk to improve financial reporting?",{"type":33,"content":4501},[4502],{"type":36,"content":4503},[4504],{"text":4505,"type":40},"Spendesk improves financial reporting by enforcing structured expense coding, automated VAT tagging, and one-click exports to major accounting systems. Spendesk captures receipts at purchase, links transactions to projects and budget codes, and syncs reconciled data via integrations, reducing manual reconciliation and producing timely, audit-ready reports for CFOs and controllers.",[4507],{"cta":4508,"_uid":4509,"title":4510,"eyebrow":4516,"subtitle":4519,"component":119,"textAlign":25,"sectionSettings":4522,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":25},[],"6bb74e62-5faa-48c8-8ef0-971f5a155b98",{"type":33,"content":4511},[4512],{"type":119,"attrs":4513,"content":4514},{"level":121},[4515],{"text":2196,"type":40},{"type":33,"content":4517},[4518],{"type":36},{"type":33,"content":4520},[4521],{"type":36},[],[4524],{"_uid":4525,"hide":28,"theme":3659,"anchorId":25,"component":3660,"spacingTop":25,"hideOnDevices":4526,"spacingBottom":25,"floatingImages":4527,"variableOverrides":4528},"4e84c089-4677-4e35-a963-237c4bee7523",[],[],[],"cfo-blogs-resources","blog/cfo-blogs-resources",360,[],"3f2526e6-0992-4309-ae4e-4c51236cd29c","2023-09-01T06:39:41.897Z",[],[4537,4538,4539],{"path":4530,"name":43,"lang":53,"published":43},{"path":4530,"name":43,"lang":55,"published":43},{"path":4530,"name":43,"lang":57,"published":43},{"name":4541,"created_at":4542,"published_at":6,"updated_at":4543,"id":4544,"uuid":4545,"content":4546,"slug":4651,"full_slug":4652,"sort_by_date":43,"position":4531,"tag_list":4653,"is_startpage":28,"parent_id":1689,"meta_data":43,"group_id":4654,"first_published_at":4655,"release_id":43,"lang":49,"path":43,"alternates":4656,"default_full_slug":4652,"translated_slugs":4657},"The 10 most important tasks for a CFO when starting at a new company","2023-08-24T17:36:11.162Z","2026-03-12T10:47:58.013Z",359949903,"451a1513-01f4-4fb7-b068-c1a3cd7fcaf7",{"_uid":4547,"title":4548,"topics":4549,"noIndex":28,"category":4558,"language":4567,"_editable":4568,"component":1651,"heroMedia":4569,"publishedAt":4578,"readingTime":4281,"redirectUrl":25,"listingImage":4579,"metaDescription":4586,"componentsAfterTheArticle":4587},"f1b747dd-90e5-48a1-8dab-a96efa65763e","The 10 most important tasks for a new CFO",[4550],{"name":61,"created_at":62,"published_at":6,"updated_at":63,"id":64,"uuid":65,"content":4551,"slug":69,"full_slug":70,"sort_by_date":43,"position":71,"tag_list":4552,"is_startpage":28,"parent_id":73,"meta_data":43,"group_id":74,"first_published_at":75,"release_id":43,"lang":49,"path":43,"alternates":4553,"default_full_slug":70,"translated_slugs":4554,"_stopResolving":58},{"_uid":67,"name":61,"component":68},[],[],[4555,4556,4557],{"path":70,"name":43,"lang":53,"published":43},{"path":70,"name":43,"lang":55,"published":43},{"path":70,"name":43,"lang":57,"published":43},{"name":1639,"created_at":1640,"published_at":6,"updated_at":1641,"id":1642,"uuid":1643,"content":4559,"slug":1651,"full_slug":1652,"sort_by_date":43,"position":44,"tag_list":4561,"is_startpage":28,"parent_id":1654,"meta_data":43,"group_id":1655,"first_published_at":1656,"release_id":43,"lang":49,"path":43,"alternates":4562,"default_full_slug":1652,"translated_slugs":4563,"_stopResolving":58},{"_uid":1645,"icon":4560,"name":1639,"component":1650},{"id":1647,"alt":1648,"name":25,"focus":25,"title":25,"filename":1649,"copyright":25,"fieldtype":27,"is_external_url":28},[],[],[4564,4565,4566],{"path":1652,"name":43,"lang":53,"published":43},{"path":1652,"name":43,"lang":55,"published":43},{"path":1652,"name":43,"lang":57,"published":43},[49],"\u003C!--#storyblok#{\"name\": \"article\", \"space\": \"146026\", \"uid\": \"f1b747dd-90e5-48a1-8dab-a96efa65763e\", \"id\": \"359949903\"}-->",[4570],{"_uid":4571,"type":25,"asset":4572,"shadow":28,"caption":25,"overlay":4576,"_editable":4577,"component":1673},"909d49e1-f961-4138-b8b8-f947d71b367e",{"id":4573,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":4574,"copyright":25,"fieldtype":27,"meta_data":4575,"is_external_url":28},10793270,"https://a.storyblok.com/f/146026/2380x1340/6ac965f9b5/blog-visual-193.png",{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"909d49e1-f961-4138-b8b8-f947d71b367e\", \"id\": \"359949903\"}-->","2024-04-26 12:00",[4580],{"_uid":4581,"type":25,"asset":4582,"shadow":28,"caption":25,"overlay":4584,"_editable":4585,"component":1673},"6fea1da4-31c6-46cb-99c3-ff795d3a925d",{"id":4573,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":4574,"copyright":25,"fieldtype":27,"meta_data":4583,"is_external_url":28},{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"6fea1da4-31c6-46cb-99c3-ff795d3a925d\", \"id\": \"359949903\"}-->","CFO tasks today are manifold. The digitalisation of work processes demands more agility, speed and vision. This is how you get off to the best start as a CFO today.",[4588],{"_uid":4589,"items":4590,"heading":4627,"reverse":28,"component":3387,"sectionSettings":4645},"71097f80-f1a1-4771-aa62-7f8dd1fd7ebe",[4591,4600,4609,4618],{"_uid":4592,"title":4593,"component":3241,"description":4594},"94461b89-4100-48cb-9606-93168a20baa8","What daily tasks should a CFO prioritize to manage company spending effectively?",{"type":33,"content":4595},[4596],{"type":36,"content":4597},[4598],{"text":4599,"type":40},"Spendesk helps CFOs prioritize daily tasks by delivering real-time spend visibility, consolidated transaction feeds, and approval workflows that reduce manual reconciliation. Use Spendesk virtual and physical cards to control purchases, enforce spend policies at the card level, and review dashboard alerts to catch overspend, freeing time for strategic cash and vendor management.",{"_uid":4601,"title":4602,"component":3241,"description":4603},"99c454eb-b889-401d-9873-3a6412915988","How can a CFO automate expense reporting for faster month-end close?",{"type":33,"content":4604},[4605],{"type":36,"content":4606},[4607],{"text":4608,"type":40},"Spendesk automates expense reporting by capturing receipts via mobile upload, auto-matching receipts to card transactions, and generating categorized expense reports ready for export. Spendesk approval workflows and ERP integrations (NetSuite, Xero, QuickBooks) eliminate manual spreadsheets and speed month-end close with reconciled transactions and policy-compliant records.",{"_uid":4610,"title":4611,"component":3241,"description":4612},"4b23b8eb-9774-4273-973b-9815638af471","How does Spendesk improve budgeting and forecasting for finance teams?",{"type":33,"content":4613},[4614],{"type":36,"content":4615},[4616],{"text":4617,"type":40},"Spendesk improves budgeting and forecasting by offering real-time budget controls, spend allocation per project or department, and live dashboards that surface committed versus actual spend. Spendesk budget limits, pre-allocated cards, and exportable reports provide finance teams with accurate inputs for forecasts and quicker reforecasting when spending patterns change.",{"_uid":4619,"title":4620,"component":3241,"description":4621},"c77b82cc-4abc-4ced-8650-5c83edd63bdd","How can Spendesk help CFOs simplify audits and maintain compliance?",{"type":33,"content":4622},[4623],{"type":36,"content":4624},[4625],{"text":4626,"type":40},"Spendesk simplifies audits and compliance by centralizing receipts, approvals, and transaction histories in a searchable audit trail with role-based access controls. Spendesk multi-level approval logs, spend policies, and one-click export to accounting systems create transparent documentation for auditors and reduce time spent gathering evidence during compliance reviews.",[4628],{"cta":4629,"_uid":4630,"title":4631,"eyebrow":4638,"subtitle":4641,"component":119,"textAlign":25,"sectionSettings":4644,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":25},[],"a19c11c8-13f8-46f0-933f-195924555c67",{"type":33,"content":4632},[4633],{"type":119,"attrs":4634,"content":4635},{"level":121},[4636],{"text":4637,"type":40},"Tasks For Cfos — FAQ",{"type":33,"content":4639},[4640],{"type":36},{"type":33,"content":4642},[4643],{"type":36},[],[4646],{"_uid":4647,"hide":28,"theme":3659,"anchorId":25,"component":3660,"spacingTop":25,"hideOnDevices":4648,"spacingBottom":25,"floatingImages":4649,"variableOverrides":4650},"befc6278-42ed-4f18-bc4e-3e8b81e05474",[],[],[],"tasks-for-cfos","blog/tasks-for-cfos",[],"b5025987-f989-43bc-b6c4-84a8a252c6b1","2023-08-25T08:36:02.294Z",[],[4658,4659,4660],{"path":4652,"name":43,"lang":53,"published":43},{"path":4652,"name":43,"lang":55,"published":43},{"path":4652,"name":43,"lang":57,"published":43},{"name":4662,"created_at":4663,"published_at":6,"updated_at":4664,"id":4665,"uuid":4666,"content":4667,"slug":4768,"full_slug":4769,"sort_by_date":43,"position":4770,"tag_list":4771,"is_startpage":28,"parent_id":1689,"meta_data":43,"group_id":4772,"first_published_at":4773,"release_id":43,"lang":49,"path":43,"alternates":4774,"default_full_slug":4769,"translated_slugs":4775},"Reduce operational costs in 3 steps","2023-05-12T12:34:01.867Z","2026-03-12T10:47:56.157Z",306941528,"8c56c949-712e-4fa8-b17c-861f2c93a9ae",{"_uid":4668,"title":4662,"topics":4669,"noIndex":28,"category":4678,"language":4687,"component":1651,"heroMedia":4688,"publishedAt":4696,"readingTime":1676,"redirectUrl":25,"listingImage":4697,"metaDescription":4703,"componentsAfterTheArticle":4704},"3e3a3f00-ceaf-47c0-8cef-ad595bb9ab71",[4670],{"name":61,"created_at":62,"published_at":6,"updated_at":63,"id":64,"uuid":65,"content":4671,"slug":69,"full_slug":70,"sort_by_date":43,"position":71,"tag_list":4672,"is_startpage":28,"parent_id":73,"meta_data":43,"group_id":74,"first_published_at":75,"release_id":43,"lang":49,"path":43,"alternates":4673,"default_full_slug":70,"translated_slugs":4674,"_stopResolving":58},{"_uid":67,"name":61,"component":68},[],[],[4675,4676,4677],{"path":70,"name":43,"lang":53,"published":43},{"path":70,"name":43,"lang":55,"published":43},{"path":70,"name":43,"lang":57,"published":43},{"name":1639,"created_at":1640,"published_at":6,"updated_at":1641,"id":1642,"uuid":1643,"content":4679,"slug":1651,"full_slug":1652,"sort_by_date":43,"position":44,"tag_list":4681,"is_startpage":28,"parent_id":1654,"meta_data":43,"group_id":1655,"first_published_at":1656,"release_id":43,"lang":49,"path":43,"alternates":4682,"default_full_slug":1652,"translated_slugs":4683,"_stopResolving":58},{"_uid":1645,"icon":4680,"name":1639,"component":1650},{"id":1647,"alt":1648,"name":25,"focus":25,"title":25,"filename":1649,"copyright":25,"fieldtype":27,"is_external_url":28},[],[],[4684,4685,4686],{"path":1652,"name":43,"lang":53,"published":43},{"path":1652,"name":43,"lang":55,"published":43},{"path":1652,"name":43,"lang":57,"published":43},[49],[4689],{"_uid":4690,"type":25,"asset":4691,"shadow":28,"caption":25,"overlay":4695,"component":1673},"0ca204cd-6db5-467b-af90-a1eb59b75b81",{"id":4692,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":4693,"copyright":25,"fieldtype":27,"meta_data":4694,"is_external_url":28},9052656,"https://a.storyblok.com/f/146026/2380x1340/746cc1df1c/reduce-operational-costs-blog.png",{},[],"2023-12-04 00:00",[4698],{"_uid":4699,"type":25,"asset":4700,"shadow":28,"caption":25,"overlay":4702,"component":1673},"10f1272c-0c94-4bd5-874d-dea3a7aeb6d8",{"id":4692,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":4693,"copyright":25,"fieldtype":27,"meta_data":4701,"is_external_url":28},{},[],"Need to cut business spend but not sure where to start? We've got the top three ways you can reduce operational costs.",[4705],{"_uid":4706,"items":4707,"heading":4744,"reverse":28,"component":3387,"sectionSettings":4762},"92ea0535-6391-4caa-a8df-85a70a3ca9fb",[4708,4717,4726,4735],{"_uid":4709,"title":4710,"component":3241,"description":4711},"7f676656-ae57-4ffa-8c6c-dfae8c826f24","How can software help reduce operational costs in finance?",{"type":33,"content":4712},[4713],{"type":36,"content":4714},[4715],{"text":4716,"type":40},"Spendesk centralizes company spending and automates approval workflows to reduce manual processing, duplicate purchases, and unauthorized transactions. 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Spendesk's real-time notifications, customizable spending limits, and centralized transaction tagging provide finance teams with immediate control over who spends what, enabling tighter budget adherence and fewer corrective approvals or reconciliations.",{"_uid":4727,"title":4728,"component":3241,"description":4729},"dcac8657-5531-4572-b28d-ec31cc0854af","How does automating expense reports lower operational costs?",{"type":33,"content":4730},[4731],{"type":36,"content":4732},[4733],{"text":4734,"type":40},"Spendesk automates expense capture and reconciliation by linking card transactions to receipts, automatically matching invoices, and exporting clean data to accounting systems. Spendesk's automated receipt capture, invoice approval workflows, and one-click exports to QuickBooks/Xero or ERP systems reduce manual reconciliation time, decrease human error, and cut finance headcount hours spent on reporting.",{"_uid":4736,"title":4737,"component":3241,"description":4738},"701a4669-0637-415b-aba8-44e3f767abc0","Can Spendesk help reduce costs related to supplier payments and invoices?",{"type":33,"content":4739},[4740],{"type":36,"content":4741},[4742],{"text":4743,"type":40},"Spendesk streamlines supplier payments and invoice processing by centralizing invoices, enabling multi-approver workflows, and scheduling payments to optimize cash flow. Spendesk's invoice-to-pay automation, supplier payment rails, and integration with accounting systems reduce late fees, consolidate payment approvals, and lower accounts payable processing costs while providing a single audit trail for every supplier transaction.",[4745],{"cta":4746,"_uid":4747,"title":4748,"eyebrow":4755,"subtitle":4758,"component":119,"textAlign":25,"sectionSettings":4761,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":25},[],"e4867a2f-9821-438f-a718-34dd743cd099",{"type":33,"content":4749},[4750],{"type":119,"attrs":4751,"content":4752},{"level":121},[4753],{"text":4754,"type":40},"Reduce Operational Costs — FAQ",{"type":33,"content":4756},[4757],{"type":36},{"type":33,"content":4759},[4760],{"type":36},[],[4763],{"_uid":4764,"hide":28,"theme":3659,"anchorId":25,"component":3660,"spacingTop":25,"hideOnDevices":4765,"spacingBottom":25,"floatingImages":4766,"variableOverrides":4767},"5aa1bc95-c886-40b1-b613-b35914889db5",[],[],[],"reduce-operational-costs","blog/reduce-operational-costs",670,[],"83cee16d-64db-47ac-b77d-907869be1728","2023-05-12T13:41:35.519Z",[],[4776,4777,4778],{"path":4769,"name":43,"lang":53,"published":43},{"path":4769,"name":43,"lang":55,"published":43},{"path":4769,"name":43,"lang":57,"published":43},[4780,4781,4782,4783],["Reactive",4244],["Reactive",3554],["Reactive",3675],["Reactive",3496],["Island",4785],{"key":4786,"result":4787},"MarkdownRenderer_tKA4dtNmnLZQvoHdkjnERtJRCLX5DwHbtx57Im2pLVk",{"head":4788},{"link":4789,"style":4790},[],[],["Island",4792],{"key":4793,"result":4794},"MarkdownRenderer_sGFWQbGHJ7ehuk2uK32YXBaBS4nR9u0zC7UU6bWOZc",{"head":4795},{"link":4796,"style":4797},[],[],1775221279433]