Two jobs tax calculator 2026/27
Working two jobs? Enter both salaries to see your combined annual take-home pay, with tax and National Insurance worked out the way HMRC applies it: your Personal Allowance against the main job, and the second job usually taxed from the first pound.
Calculate your combined take-home →How tax works with two jobs
Your tax-free Personal Allowance (£12,570 for 2026/27) is normally allocated to your main job, typically with tax code 1257L. A second job commonly gets a BR code, meaning every pound is taxed at the 20% basic rate — or higher if your combined income crosses into the higher-rate band.
National Insurance is calculated separately for each employment, so two smaller salaries can actually mean less NI than one job paying the same total. The calculator shows the take-home and tax for each job as well as your combined total.
Frequently asked questions
Do I pay more tax if I have two jobs?
Not overall — you pay tax on your total income either way. But your second job is usually taxed at basic rate from the first pound, because your Personal Allowance is already used against your main job. If your combined income stays in the basic-rate band, the total tax is the same.
What tax code does a second job get?
A second job typically gets tax code BR (all income taxed at 20%). If you are a higher-rate taxpayer, it may be D0 (40%). You can ask HMRC to split your Personal Allowance across jobs if your main job pays under £12,570.
Do I pay National Insurance on both jobs?
Yes, but NI is worked out separately for each employment, each with its own threshold. Two jobs can therefore attract less total NI than one job paying the same combined salary.