UK Multiple Jobs Tax Calculator
Calculate your total tax when working 2 or more jobs. See how your combined income affects your tax bill and understand which tax codes apply to each job.
Your Jobs
Combined Summary
2025/26 tax year. NI calculated separately per job.
How Tax Works with Multiple Jobs
Income Tax
- • Your Personal Allowance (£12,570) usually goes to your main job
- • Second job is often taxed at 20% (BR code) from the first pound
- • Combined income determines your overall tax band
- • If total income exceeds £50,270, higher rate applies
National Insurance
- • NI is calculated separately for each job
- • Each job has its own £12,570/year threshold
- • Rate is 8% up to £50,270
- • Then 2% on earnings above that per job
Understanding Tax Codes for Multiple Jobs
| Tax Code | Meaning |
|---|---|
| 1257L | Standard code with full Personal Allowance |
| BR | Basic Rate - all income taxed at 20% |
| D0 | Higher Rate - all income taxed at 40% |
| D1 | Additional Rate - all income taxed at 45% |
Tips for Managing Tax with Multiple Jobs
Splitting Your Personal Allowance
You can ask HMRC to split your Personal Allowance between jobs. This means each job gets a portion tax-free, which can help balance your monthly cash flow. Contact HMRC or use your Personal Tax Account online to request this.
Avoiding Overpaying Tax
If you're on an emergency tax code or wrong code, you may overpay tax. Check your payslips and tax code letters. If you've overpaid, you can claim a refund through HMRC. Use your Personal Tax Account to check your tax position throughout the year.
Self-Employment as Second Income
If your second job is self-employed (freelance, contractor), the rules are different. You'll need to file a Self Assessment tax return. Your employed income is taxed through PAYE while self-employment profit is declared annually. See our salary calculator for employment-only calculations.
Check Your Tax at Year End
At the end of the tax year (April), HMRC reconciles your income from all sources. If you've underpaid or overpaid, they'll adjust your tax code for the following year or issue a rebate. Keep all your P60s from each employer to verify your total income.