Choose calculatorSecond-job tax
No matching calculators.
Pay and student loans
Second-job tax
Estimate the extra annual take-home pay from a second job, combining Income Tax but keeping separate employer NI and loan thresholds.
Open calculatorEngland / 2026/27
Second-job tax calculator
Calculations run in your browser.
Extra take-home from second job / year
| Second-job gross salary | £20,000.00 |
|---|---|
| Extra Income Tax across both jobs | £4,000.00 |
| Second-job National Insurance | £594.40 |
| Second-job loan repayments | £0.00 |
| Combined take-home / year | £40,525.20 |
Two unrelated employers, regular full-year employment, PAYE loan collection and annual NI approximations. Income Tax combines both salaries; NI and payroll loan thresholds are separate. Associated employers, NI deferment or annual-maximum refunds, Self Assessment loan reconciliation, pensions and non-standard tax codes are excluded.
Check the inputs to calculate a result.
Calculation details
Two employers
Income Tax is assessed on combined annual earnings. Unrelated employers normally calculate NI and PAYE student-loan deductions separately. The calculator therefore combines salaries for tax but keeps two deduction calculations for NI and loans.
Example
At £30,000 in one job and £20,000 in another, extra Income Tax is £4,000 and second-job NI is £594.40. With no loans or pensions, the second job adds £15,405.60 net a year.
Limits
Two unrelated employers and regular full-year pay only. Associated-employer aggregation, NI deferment or annual-max refunds, Self Assessment loan reconciliation, pensions and non-standard tax codes are excluded. Actual PAYE coding may allocate allowances differently during the year.
Sources
- Personal Allowance and adjusted-net-income taper
- Category A rates and annual NI thresholds
- NI normally deducted per pay period
- Separate employment NI liabilities and aggregation exceptions
- Plan thresholds, rates and simultaneous undergraduate/postgraduate deductions
- Loan earnings follow Class 1 NI earnings; pension net pay does not lower loan earnings
- Multiple employers and Self Assessment loan aggregation
- Voluntary repayments may not help before write-off and are not refundable
Checked 2026-10-25. Estimate only, not financial advice.