Two Jobs Tax Calculator

Taking on a second job and wondering how it’ll affect your tax? See how HMRC splits your personal allowance and National Insurance across two employers — and what your combined take-home will actually be.

How to use this calculator

Enter your first job salary — this is usually your primary PAYE job.
Enter your second job salary.
Your personal allowance is normally applied to Job 1 only.
Results show combined tax, NI and take-home for both jobs.

Job 1 — Primary employment

Job 2 — Secondary employment

Tax year

Scotland

Combined monthly take-home

£0.00

	Job 1	Job 2	Combined
Gross salary	–	–	–
Income tax	–	–	–
National Insurance	–	–	–
Take home	–	–	–

How Tax Works When You Have Two Jobs

If you work two jobs simultaneously in the UK, HMRC assigns your personal allowance (£12,570) to your primary employment. Your second job is typically taxed using a BR (basic rate) tax code, meaning 20% income tax is deducted from the first pound.

National Insurance on Two Jobs

NI is calculated per-employer, not on combined earnings. This means each employer applies the NI threshold independently. If your combined earnings push you over the upper limit, you may overpay NI and can request a refund from HMRC.

Splitting Your Personal Allowance

In some cases, you can ask HMRC to split your personal allowance across both jobs using different tax codes. This avoids overpaying tax on your second job each month, though HMRC will reconcile any underpayment at the end of the tax year.

Use this calculator to see the exact combined tax, NI and take-home pay across both employments.