What's Left, step 1 of 7: What will I take home?
Two jobs tax calculator
See how a second job changes your take-home pay and how much tax it pays.
Together you take home
£2,759.97
a month. Your second job adds £666.67 a month after tax.
Your breakdown
| Item | Main job | Second job |
|---|---|---|
| Pay before tax (gross) | £30,000.00 | £10,000.00 |
| Income Tax (BR on the second job) | £3,486.00 | £2,000.00 |
| National Insurance | £1,394.40 | £0.00 |
| Take-home pay | £25,119.60 | £8,000.00 |
Your tax-free allowance (£12,570 a year) can only be used once. It usually goes on your main job, so your second job is taxed from the first pound, often on a BR code: 20% on all of it. If the allowance is on the wrong job, ask HMRC to move it.
This is an estimate. Your payslip can be a little different because of how your employer rounds figures or when deductions are taken. We've assumed 2026/27 rates for England, Wales and Northern Ireland, a standard tax code, no pension and no student loan; change these under More options. The pension is on the main job only; each job takes student loan repayments separately.
Why your payslip might differ
Your payslip can be different from this if:
- your tax code isn't 1257L (check the code on your payslip);
- you pay into a pension or repay a student loan (add them under More options);
- you started or changed job this tax year, and you're on an emergency code;
- this month included a bonus or overtime;
- you have more than one job;
- you live in Scotland, where the tax rates are different.
For hours or pay, ask your payroll team. For a tax code, ask HMRC. Why is my pay different this month?
How two jobs are taxed
Your Personal Allowance is usually used by your main job, so your second job is taxed at 20% from the first pound under tax code BR.
National Insurance is worked out separately for each job, so a second job paying under £12,570 a year pays none.
If your main job pays less than £12,570, you can ask HMRC to split your allowance so the second job is taxed less. If your combined pay pushes you into the higher rate, code BR collects too little and HMRC will adjust your code or ask for the difference.
Common questions
Why is my second job taxed so much?
Your tax-free allowance (£12,570 a year) can only be used once. It usually goes on your main job, so your second job is taxed from the first pound, often on a BR code: 20% on all of it. If the allowance has been put on the smaller job, ask HMRC to move it to the job that pays more.
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These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.
This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.