How tax on two jobs works
Your Personal Allowance and tax bands are normally used against your main job first. Your second (or third) job is typically taxed using a BR, D0, or D1 tax code so that no allowance is given twice. BR means 20% on all second-job income; D0 means 40%; D1 means 45%. This can make it look like you are paying more tax in the second job, but over the year your total tax should match your combined income.
National Insurance is calculated separately for each job, each with its own threshold. So having two jobs can sometimes mean you pay more NI than if you earned the same total from one job. Our calculator applies the correct rules for both jobs and shows you combined take-home pay.
Open Salary Calculator (turn on "Second job" in options) →Frequently Asked Questions
Why is my second job taxed at 20%?
HMRC usually applies a BR (Basic Rate) tax code to your second job. BR means all income from that job is taxed at 20% with no Personal Allowance, because your main job already uses your allowance. This avoids underpaying tax across two jobs.
How do I calculate tax on two jobs?
Enter your main job salary and your second job salary in a calculator that supports multiple employments. Your main job uses your Personal Allowance and tax bands; your second job is typically taxed at 20% (BR code) or 40% (D0) with no allowance. TaxRadar's Salary Calculator has a 'Second job' option that does this for you.
Will I pay more tax with two jobs?
You pay the same total tax on your combined income whether it comes from one job or two. The difference is how it's collected: your second job often has tax deducted at 20% or 40% from the first pound, so you may overpay or underpay until the end of the year when HMRC reconciles. A two-jobs calculator helps you see your combined take-home.
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