Precision Utility
Two Jobs
Calculator
Tax Year
2025/26
Personal Allowance
£12,570
Working two jobs in the UK? This calculator shows your combined take-home pay after income tax, National Insurance and pension deductions. Income tax is calculated on your total earnings, whilst NI is worked out separately for each job. Results update instantly using current HMRC rates for the 2025/26 tax year.
Income Details
Combined Take-Home Pay
£0
Income Tax
£0
National Insurance
£0
Combined Gross
£0
Total Pension
£0
Combined Net
£0
Effective Rate
0.0%
How the two jobs calculator works
Enter the annual salary for each of your two jobs and your pension contribution percentage. The calculator combines both salaries to work out your total income tax liability using England's 2025/26 HMRC bands, including the Personal Allowance taper for earners above £100,000.
National Insurance is calculated separately for each job. Each employment has its own NI thresholds, so you pay 8% on earnings between £12,570 and £50,270 per job, and 2% on earnings above £50,270 per job. This is how HMRC actually processes NI — it is not pooled across employments.
Pension contributions are deducted as a percentage of your combined gross salary before tax is calculated (salary sacrifice basis). The result card shows your combined take-home pay, total deductions and effective tax rate instantly.
What you need to know about working two jobs in the UK
When you work two jobs, your income tax is based on your combined earnings. HMRC applies your Personal Allowance to your primary job and usually taxes your second job from the first pound at the basic rate (20%). Key points for the 2025/26 tax year:
- Personal Allowance: £12,570 — normally applied to your main job only. You can ask HMRC to split it between jobs
- Basic rate (20%): applies to combined income between £12,571 and £50,270
- Higher rate (40%): applies to combined income between £50,271 and £125,140
- Additional rate (45%): applies to combined income above £125,140
- National Insurance: calculated per job — 8% on £12,570 to £50,270, then 2% above, for each employment separately
Because NI is calculated per job, having two lower-paying jobs can sometimes mean you pay less NI than earning the same total from a single role. However, you may also miss out on employer NI contributions to your pension on the second job.
For the latest guidance, see the official HMRC income tax rates page on GOV.UK.
Frequently asked questions
How are two jobs taxed in the UK?
Income tax is calculated on your combined earnings from both jobs. Your Personal Allowance of £12,570 is usually applied to your main job (tax code 1257L), and your second job is taxed from the first pound using a BR or 0T tax code. This means you pay 20% tax on all earnings from your second job unless you split your allowance.
Can I split my Personal Allowance between two jobs?
Yes. You can ask HMRC to split your Personal Allowance across both jobs by requesting adjusted tax codes. For example, instead of 1257L on one job and BR on the other, you could have two tax codes that share the £12,570 allowance. Contact HMRC or use your Personal Tax Account online to arrange this.
How does National Insurance work with two jobs?
National Insurance is calculated separately on each job, not on your combined income. Each job has its own NI threshold of £12,570 per year. You pay 8% on earnings between £12,570 and £50,270 per job, and 2% above £50,270 per job. This means you could pay less NI overall compared to earning the same total from a single job.
What tax code will my second job have?
Your second job will typically be given a BR (basic rate) tax code, which means all earnings are taxed at 20%. If HMRC thinks you might owe higher rate tax, you may receive a D0 code (40% on all earnings) or 0T (no Personal Allowance, normal bands apply). You can check and update your tax codes through your HMRC Personal Tax Account.
Will I pay more tax with two jobs than one?
Not necessarily. The total income tax you pay depends on your combined earnings, not how many jobs you have. However, if your tax codes are wrong — for example, if both jobs apply the Personal Allowance — you could end up underpaying tax and facing a bill at the end of the year. Make sure your codes are correct to avoid surprises.
Do I need to file a Self Assessment with two jobs?
If both jobs are PAYE employment, you generally do not need to file a Self Assessment tax return. HMRC will reconcile your tax through your tax codes and issue a P800 if you have overpaid or underpaid. However, if your combined income exceeds £150,000 or you have other untaxed income, you may be required to file.