Second Job Tax Calculator UK
Calculate how much tax you'll pay on your second job. Find out if you'll be pushed into the 40% tax bracket and see your actual take-home pay from multiple jobs.
Will I pay 40% tax on my second job?
Only if your combined income exceeds £50,270. If your main job is £35,000 and second job is £10,000, your total is £45,000 - still in the basic rate band. But if combined income exceeds £50,270, the portion above that is taxed at 40%.
Why is my second job taxed at BR (basic rate) with no allowance?
HMRC gives your Personal Allowance (£12,570) to only one employer - usually your main job. Your second job uses a BR (Basic Rate) code meaning all earnings are taxed at 20%. This prevents under-taxation during the year.
Do I pay National Insurance on both jobs?
Yes, but each job's NI is calculated separately. You only pay NI on earnings above £12,570 per job. If both jobs pay under the threshold, you might pay less NI than someone with one combined salary.
Should I split my Personal Allowance between jobs?
You can request this using form P87 or by calling HMRC. It might help cash flow if your main job doesn't use your full allowance. However, it makes no difference to your total annual tax - just when you pay it.
What if I'm overpaying tax on my second job?
If your total income is under the Personal Allowance (£12,570), you may be overpaying. Contact HMRC to adjust your tax codes. Any overpayment will be refunded at year-end, but better to fix it during the year.