Two Jobs Tax Calculator
Our two jobs tax calculator works out combined income tax and NI across your main job and second employment. Your Personal Allowance applies to your main job — your second job uses tax code BR (20% on all income).
Two Jobs Tax Calculator
See how having two jobs affects your tax. Your second job won't have the personal allowance, so you'll pay more — find out exactly how much.
Enter Job 1 and Job 2 annual salaries separately. Job 1 receives the full personal allowance; Job 2 uses either a BR code (20% on all income) or D0 (40%) because the allowance is already used. The calculator uses the marginal approach: it calculates tax on Job 1 alone, then on both combined, and the difference is attributed to Job 2. National Insurance is calculated per employment independently — if Job 2 pays less than the Primary Threshold (£12,570), you pay no NI on it. Results show Total Tax and NI across both jobs, the specific tax on Job 2, and combined take-home. Use this to decide whether a second income is financially worthwhile, or whether a different arrangement — such as a sole trade — might be more tax-efficient.