Two Jobs Tax Calculator 2026/27
Two jobs, one personal allowance. Your main job uses the £12,570 allowance; your second job is taxed from the first pound on BR or D0. Enter both salaries to see each job's deductions and your combined take-home pay. Your salaries never leave your browser.
- Rates: GOV.UK — checked 5 Nov 2026
- Tested against HMRC worked examples
- Your salary never leaves your browser
Usually 1257L — this is the job that holds your personal allowance.
That tax code doesn't look right — check it on your payslip. The calculator is using the standard 1257L allowance until you correct it.
BR is normal. D0 applies when your combined income is in the higher-rate band.
We could not load the 2026/27 rates. Please check your connection and refresh the page.
Your combined take-home pay
— / year
- Per month
- —
- Combined gross
- —
- Combined tax
- —
Combined pay, split — both jobs together.
| Job 1 | Job 2 | |
|---|---|---|
| Gross pay | — | — |
| Personal allowance | — | — |
| Income tax | — | — |
| National Insurance | — | — |
| Take-home pay | — | — |
Monthly payslip — April to March (combined)
| Month | Gross | Tax | NI | Net | Pension | Student loan |
|---|
Rates checked 5 November 2026.
Every figure checked against HMRC's own examples.
Your salary never leaves your browser.
Rates re-checked by hand after every Budget.
Rates: GOV.UK — last checked 5 November 2026 See the official rates
How this is calculated
Job 1 is run through the full take-home engine with its own tax code (usually 1257L, so the £12,570 personal allowance applies). Job 2 is run with a flat code — BR at 20% or D0 at 40% — with no personal allowance, so tax starts from the first pound. National Insurance is worked out separately for each job at 8% above £12,570 a year, because NI thresholds apply per employment, not per person. All figures use the 2026/27 rates, last checked against GOV.UK on 5 November 2026. See the full method on How we calculate.
Example — £30,000 main job + £10,000 second job (BR)
| Job 1 (£30,000) | Job 2 (£10,000, BR) | Combined | |
|---|---|---|---|
| Income tax | £3,486.00 | £2,000.00 | £5,486.00 |
| National Insurance | £1,394.40 | £0.00 | £1,394.40 |
| Take-home pay | £25,119.60 | £8,000.00 | £33,119.60 |
The second job pays £2,000.00 tax on £10,000 — the full 20% — but no National Insurance, because £10,000 is below the £12,570 NI threshold for that employment. The same £40,000 earned in one job would pay the same £5,486.00 income tax, but £2,194.40 National Insurance: two jobs can mean less NI.
Related calculators & reading
- Take-home pay calculator — the full breakdown for a single salary.
- Two jobs? How tax codes BR and D0 really work — the full explainer behind this tool.
- 1257L: what your tax code means (and when it's wrong) — check the code on your main job.
- UK tax rates 2026/27 — every band, threshold and allowance behind these figures.
Questions
Why is my second job taxed from the first pound?
Your personal allowance (£12,570) can only be used once. Your main employer uses it, so HMRC gives your second job a BR code (20% on everything) or D0 (40% on everything) with no allowance. You are not being overtaxed — the allowance was simply already used on your first job.
Do I pay National Insurance twice?
National Insurance is charged per job, not per person, so each job gets its own £12,570 threshold. That usually works in your favour: a second job under £12,570 a year pays no National Insurance at all, even though it pays income tax from the first pound.
Should my second job be on BR or D0?
BR (20%) is normal when your main job uses up the basic-rate band only. D0 (40%) applies when your combined income puts you in the higher-rate band — HMRC usually sets it once your main job alone passes £50,270. If the wrong code is on your second job, the tax evens out at the end of the tax year, but your monthly pay will look wrong until then.
Can I split my personal allowance between two jobs?
Yes — you can ask HMRC to split it, for example 1257L on one job and a smaller code on the other. It rarely changes the total tax you pay over the year, but it can smooth out your monthly pay. Most people leave the allowance on the main job and accept BR on the second.
Is my salary sent anywhere?
No. The calculator runs entirely in your browser. No salary figure is sent to a server, stored, or shared.
The rates behind this calculator: 2026/27 rates, sourced from GOV.UK.