TWO JOBS · 2026/27
Two jobs tax calculator
Model two employments separately and compare payroll deductions with a combined annual Income Tax estimate. This is useful when a second job, side role or split employment makes the payslip look wrong even though the year-end answer is sensible.
Estimated combined take-home
- Combined gross pay
- £47,000
- Income Tax through payroll
- £6,886
- NI across both jobs
- £1,794
- Payroll tax vs combined estimate
- +£0
National Insurance is normally calculated separately for unrelated employments. This is a planning comparison only; HMRC may reconcile the year differently if one code or job changes.
What this calculator does
It models two employments separately so you can see how different tax codes affect each job before looking at the combined annual position. That is often more helpful than trying to read one payslip in isolation.
Worked example
When one job uses the Personal Allowance and the other uses BR, the second job will usually look heavily taxed even though the overall year may still balance out. The combined annual view is the right way to decide whether the deductions are likely to settle correctly.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 1 September 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
All source links are kept visible so you can verify the figures used on this page.
GOV.UK: Tax codes ↗GOV.UK: NI with more than one job ↗Sources, methodology and update policy →Report an issue or correction →WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
This section is intentionally repeated on key tools so the explanation stays near the result instead of being hidden in a separate policy page.
COMMON QUESTIONS
Frequently asked questions
Why is my second job often taxed at BR?
BR normally taxes all pay from that employment at the basic rate because the Personal Allowance is used elsewhere.
Is National Insurance combined?
For unrelated employments it is normally calculated separately, although special aggregation rules can apply.
Does a second job change my tax code?
Often yes. HMRC may adjust the code on one or both employments so the allowances are allocated correctly.
Can overtime in one job affect the other?
Not directly, but the year-end position across both jobs can still change if the extra pay pushes total income higher.