Working two PAYE jobs isn't taxed the same as one combined salary. Enter both and see your real combined take-home — including a quirk that often works in your favour.
Income Tax and National Insurance are worked out differently across two jobs — and the difference usually works in your favour.
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.
Works differently by design: each employer calculates NI independently, using the full threshold each time. That means the combined NI bill across two jobs is often a little lower than the same total salary from one employer — a genuine, legal quirk of how Class 1 NI is structured.
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.