Working two PAYE jobs isn't taxed exactly like one combined salary. Enter both and see your real combined take-home, including how separate National Insurance calculations affect the result.
Enter both jobs
£
£
%
%
Applied to your combined income across both jobs
Combined take-home pay
£0
per year
Combined gross pay£0
Income Tax (pooled)−£0
NI — Job 1−£0
NI — Job 2−£0
Pension (both jobs)−£0
Student loan−£0
Net pay£0
Combined NI
£0
NI difference from split jobs
£0
Difference versus treating the same earnings as one job for employee NI. A positive figure means more NI across the two jobs; a negative figure means less.
Combined take-home rate
0%
Share of combined gross pay left as take-home.
If earned as one job
£0
The two-jobs effect: your Personal Allowance and tax bands are personal, so Income Tax is based on your combined income from both jobs. National Insurance is different — it is normally calculated separately for each employment. Depending on how earnings are split between the jobs, combined employee NI can be higher or lower than on the same total salary from one employer. The stat tiles above show the difference for your numbers.
How combined take-home pay is calculated
Employee National Insurance is normally worked out separately for each employment, so the combined NI can be higher or lower than on the same total earnings from one job.
Income Tax and National Insurance are worked out differently across two jobs, so the final result depends on how your earnings are split.
Income Tax
HMRC normally splits your Personal Allowance so most applies to your main job (code 1257L) while your second is taxed at Basic Rate (code BR), reconciled at year end. The end result is the same either way: total Income Tax is based on your combined income, taxed through the same bands as a single salary — the correct final answer, not the in-year mechanics.
National Insurance
Works differently by design: each employer normally calculates employee NI independently. Because each employment is assessed separately, combined NI can be either higher or lower than on the same total salary from one employer, depending on the earnings split.
Rates and thresholds are for the 2026/27 tax year. This calculator assumes standard tax codes and two straightforward PAYE employments — HMRC may adjust your actual tax codes differently, and this doesn't cover self-employment or three-or-more jobs.