Two Jobs Calculator

Calculate your tax and take-home pay when working two jobs

Job 1 (Primary)

£

Job 2 (Secondary)

£
Important: Your total income tax is based on your combined earnings from all jobs, not how many jobs you have. During the year, your tax codes split the calculations, but HMRC reconciles everything at year-end via a P800 form. The results show both your in-year deductions and your actual annual tax liability after reconciliation.

Enter Both Salaries

See your combined take-home pay

Two Jobs Tax FAQs

Does having two jobs mean I pay more tax in the UK?

No. Income tax in the UK is based on your total earnings across all jobs, not the number of jobs you have. If you earn £80,000 from one job or £40,000 from two jobs, your total income tax bill is the same once HMRC reconciles your PAYE records.

Why does it feel like I pay more tax when I have two jobs?

This usually happens because your personal allowance is only applied once, your second job may use a BR or D0 tax code, and PAYE deductions during the year are estimates. HMRC corrects this automatically after the tax year ends and any overpaid tax is refunded.

Do I pay more National Insurance if I have two jobs?

Often, yes. National Insurance is calculated separately for each job. With two jobs, you pay NI above the threshold in both jobs and may never reach the lower 2% NI rate that applies to higher earnings in a single job.

Is two £40k jobs worse than one £80k job?

From a take-home pay perspective, usually yes. Income tax is the same overall, but National Insurance is typically higher with two jobs. In most cases, two £40k jobs result in £700–£900 less net income per year compared to one £80k job.

Can I split my personal allowance between two jobs?

Yes. You can ask HMRC to divide your personal allowance between jobs so tax deductions are more even during the year. This does not change your total tax bill but can improve monthly cash flow.

Will HMRC refund tax if I overpay with two jobs?

Yes. If you've paid too much tax, HMRC issues a P800 tax calculation and you'll receive a refund automatically or can claim it online.

Does having two jobs push me into a higher tax band?

Only if your total income crosses a tax threshold. It's the combined income, not the second job alone, that matters.

Is tax calculated differently if one job is part-time?

No. Part-time and full-time jobs are treated the same for tax purposes. HMRC looks only at total earnings, tax codes applied, and NI per employment.

What tax code should I have if I have two jobs?

Usually one job gets your personal allowance and the second job uses BR, D0, or D1. If your tax code looks wrong, you can update it through HMRC Online Services.

Does this change if I'm self-employed as well?

Yes. If you have one PAYE job and self-employment income, PAYE tax is deducted at source and self-employed tax and NI are calculated via Self Assessment. Your total income still determines your tax bands.

What's the best way to reduce tax if I have two jobs?

Legal ways include pension contributions, adjusting tax codes, claiming allowable expenses, and using personal allowance efficiently.