Two Jobs Tax Calculator
Find out how much tax you'll pay on a second job and what your combined take-home pay will be.
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Your personal allowance is applied here
Taxed in full — no personal allowance
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Results are estimates only and do not constitute financial advice.
Common second job examples — 2026/27
Based on a first job salary of £30,000. Click any row to load it into the calculator.
| Second job | Tax on job 2 | NI on job 2 | Job 2 take-home | Combined take-home |
|---|
How it's calculated
Your personal allowance (£12,570) is applied in full to your first job. HMRC then issues a BR tax code for your second job, meaning all second-job income is taxed at 20% from £1 — or at 40%/45% if your combined income already exceeds those thresholds.
National Insurance is calculated separately for each employment. This means each job gets its own NI primary threshold (£12,570), so you often pay less NI in total than you would from a single equivalent salary.
Income tax, however, is based on your total income. The same amount of income tax would be due whether you earned it from one job or two.
Frequently asked questions
HMRC assumes your personal allowance is already used up by your main job. The BR tax code applied to your second job means every pound is taxed at the basic rate. If your total income is above £50,270, the rate rises to 40%.
You can ask HMRC to split your personal allowance between employers through your Personal Tax Account at gov.uk or by calling HMRC directly. This reduces tax from your second job but increases tax from your first.
Yes — HMRC can split your personal allowance so each employer applies a portion, reducing the tax on your second job. The total income tax paid will be the same, but your take-home from each job changes.
UK tax rates 2026/27
Income tax is calculated on your combined earnings from both jobs.
| Band | Income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571–£50,270 | 20% |
| Higher rate | £50,271–£125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Threshold | Earnings | Rate |
|---|---|---|
| Below PT | Up to £12,570 | 0% |
| Main rate | £12,571–£50,270 | 8% |
| Upper rate | Over £50,270 | 2% |
Each employment is assessed separately — you get a NI threshold for each job.
Your second job is taxed without a personal allowance by default. HMRC allocates your full personal allowance (£12,570) to your first job and issues a BR tax code for your second job, meaning all second-job income is taxed from £1. You can ask HMRC to split your allowance across jobs — contact them via your Personal Tax Account at gov.uk.