Calculator
Two Jobs Tax Calculator
Estimate deductions from two jobs using your tax codes. Compare them with a combined annual Income Tax estimate: payroll deductions may differ from your final liability.
Frequently Asked Questions
- How is tax calculated on a second job?
- Each employer runs PAYE independently. Your personal allowance (the first £12,570 you earn tax-free) is usually applied to your main job, so the second job is often taxed at the basic rate on all earnings using a BR tax code (which taxes all your pay at 20% with no tax-free allowance).
- Will I overpay National Insurance with two jobs?
- If both jobs pay above the NI threshold (currently £12,570 a year) you will pay NI on each one separately. If the combined NI exceeds the annual maximum, you can apply to HMRC for a deferment or claim a refund after the tax year ends.
- What tax code will my second job have?
- In England, Wales and Northern Ireland a second job often uses BR/CBR (20%) or D0/CD0 (40%), but the right code depends on combined income. Scotland uses S-prefixed codes with different rates, such as SD0 at 21% and SD1 at 42%. HMRC can split an unused allowance between jobs; check the issued codes rather than assuming BR is enough.
What makes two-jobs PAYE different
This calculator matters because two-job PAYE is not just a single-salary calculation split in half. Tax codes, NI treatment, and annual overpayment questions can all change the outcome.
- Models each employment separately before combining the outcome
- Useful for BR and D0 scenarios where the second job has no allowance
- Highlights where NI can be overpaid across multiple employments
Best guides for two-job PAYE
These are the highest-intent reads if your second job code looks harsh or the combined deductions feel wrong.