Second Job Tax Calculator

See the tax and National Insurance on a second job each payday for 2026/27, what you will owe or get back after 5 April, and if splitting your allowance helps.

Reviewed by Dany, RightSums team · Updated

Runs in your browser. Free, no sign-up.

salary-tax · Daily life · UK

Enter the pay from your main job and your second job, how often each pays you and the tax codes on your payslips, and the calculator shows the Income Tax, National Insurance and any student loan taken from each job every payday for 2026/27. It then works out the right tax on your total pay with one £12,570 allowance and tells you roughly how much you will owe or get back after 5 April. It spots the common problems: BR on a second job that pushes you into the 40% band, two jobs both using the allowance, and a main job paying less than £12,570, where splitting the allowance takes less tax during the year. National Insurance is worked out per job, as payroll does. Everything runs in your browser.

Accepted inputs

  • Yearly pay from your main job and your second job
  • How often each job pays you: weekly, fortnightly, four-weekly, monthly or yearly
  • Tax code on each job (for example 1257L, BR, D0, D1, 0T, K475 or a split code such as 457L)
  • Scottish taxpayer toggle
  • Student loan plan (Plan 1, 2, 4, 5 or Postgraduate), optional
  • Personal Allowance, if not the standard £12,570

Outputs

  • Income Tax, National Insurance, student loan and take-home per payday for each job
  • Tax taken over the year under the codes as issued
  • Right Income Tax on your total pay with one allowance
  • Expected underpayment or refund at the end of the year
  • Suggested split codes and the tax saved during the year when your main job pays under £12,570
  • National Insurance per job compared with the same pay from one job

How to use the Second Job Tax Calculator

  1. Enter the yearly pay and pay frequency for your main job and your second job, with the tax code shown on each payslip.
  2. The calculator applies each code on its own, as each payroll does, to show the Income Tax, National Insurance and any student loan taken every payday.
  3. It then adds your pay together and works out the tax you should pay for 2026/27 with one Personal Allowance, so you can see any shortfall or overpayment.
  4. If your main job pays less than your allowance, it suggests split codes following GOV.UK's example and shows how much less tax would be taken during the year.

Frequently asked questions

How much tax will I pay on a second job?

Usually 20% of everything it pays, because your main job uses your £12,570 allowance and the second job gets the BR code. A second job paying £8,000 a year alongside a £30,000 main job costs £1,600 in tax, about £133 a month, which is exactly the right amount for your total pay.

Why is my second job taxed at 20% from the first pound?

You only get one Personal Allowance each tax year however many jobs you have, and HMRC usually gives it to the job that pays most. The second job then gets BR, so all of its pay is taxed at the basic rate. That is normal and not emergency tax.

Do I pay National Insurance on both jobs?

Each job is looked at separately, against its own threshold of £242 a week or £1,048 a month. A second job paying £8,000 a year, about £667 a month, pays no employee NI at all, so you pay £640 less than if the same £38,000 came from one employer.

Can I split my Personal Allowance between two jobs?

Yes, if your main job pays less than £12,570. Contact HMRC to ask. In GOV.UK's example, jobs paying £8,000 and £7,000 get codes giving £8,000 and £4,570 tax-free, so the second job pays £486 a year instead of £1,400 on BR.

Will a second job push me into the 40% tax band?

Only if your total pay goes over £50,270. With £45,000 from your main job and £10,000 on BR, payroll takes 20% on the second job but £4,730 of it should be taxed at 40%, so you would owe about £946 after the year ends unless HMRC changes a code.

Sources

The rates and rules in this tool come from:

Guides that use this tool

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