Two jobs? Here’s the real tax picture

Your personal allowance goes to the main job; the second is usually taxed at basic rate from the first pound — but NI is worked out separately for each. We handle all of it.

Tax year 2026 / 27

Your details

Combined monthly take-home
£—
£— a year across both jobs
Main job (allowance here)
£—
take-home / month
Second job
£—
take-home / month
NI advantage: because National Insurance is charged per employment, each job gets its own £12,570 NI threshold — two small jobs often beat one big one for NI. Income Tax, however, is charged on the combined total.

How tax works with a second job

HMRC gives your full personal allowance to your main employment (code 1257L) and typically puts the second on code BR — 20% from the first pound. If the combined income crosses £50,270, part of the second job is really due at 40%, which is why second-job payslips often under- or over-tax until HMRC adjusts. Our figure is the true annual position, so you know whether a bill or refund is coming.

Student loan repayments are assessed per job through payroll but reconciled on total income — we show the combined figure.