See your combined take-home from two jobs, the right tax code for each, and whether you’ll owe tax or be due a refund at year-end.
Your combined take-home pay from both jobs
£34,719.60
a year · £2,893.30 a month
On a combined gross of £42,000.00 · costs your employers £46,800.00 a year
Across both jobs your codes deduct £5,886.00 in income tax, which matches the £5,886.00 you actually owe on your combined income. No year-end surprise expected.
National Insurance is charged per job. Across two jobs you pay £1,394.40 — a single £42,000 salary would pay £2,354.40, because it only gets one NI-free threshold. Two jobs get two, saving you about £960.00 a year.
| Job 1 | Job 2 | Combined | |
|---|---|---|---|
| Tax code | 1257L | BR | — |
| Gross pay | £30,000.00 | £12,000.00 | £42,000.00 |
| Income tax | £3,486.00 | £2,400.00 | £5,886.00 |
| National Insurance | £1,394.40 | £0.00 | £1,394.40 |
| Take-home | £25,119.60 | £9,600.00 | £34,719.60 |
Income tax shown is what each employer deducts under its code. If that differs from your true combined liability, the reconciliation note above explains the year-end adjustment.
| Period | Gross | Take-home |
|---|---|---|
| Yearly | £42,000.00 | £34,719.60 |
| Monthly | £3,500.00 | £2,893.30 |
| Weekly | £807.69 | £667.68 |
| Combined gross salary | £42,000.00 |
| Employer NI — Job 1 | £3,750.00 |
| Employer NI — Job 2 | £1,050.00 |
| Total cost to employ | £46,800.00 |
Each employer applies the £5,000 secondary threshold separately, so two jobs get two NI-free bands on the employer side too. Work out a single employer’s NI bill.
Figures are annualised estimates for the 2026/27 tax year. Income tax is deducted by each employer per pay period against your code, so a real payslip can differ by a few pounds, and any under- or over-deduction is settled by HMRC after year-end. This calculator does not model the W1/M1 emergency (non-cumulative) marker, other income such as dividends, or Scottish SD2/SD3 codes. Always check with HMRC or a qualified accountant before making decisions.
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You are taxed on your total income, not on each job separately. You get one personal allowance of £12,570, which HMRC normally applies to your main job through a 1257L code. Your second job is then usually taxed from the first pound — a BR code charges 20% on all of it, because the allowance is already used.
National Insurance is different: it is worked out per job, and each job has its own £12,570 threshold before NI starts. That is why two smaller jobs often pay less NI than one larger salary of the same total.
You might, if your tax codes deduct less than your combined income actually owes. The most common cause is both jobs being on a 1257L code, so you receive your personal allowance twice during the year. HMRC reconciles this afterwards and either sends a bill or adjusts a future code. The check above shows whether your current codes match your true liability for 2026/27.
Full breakdown for one job, with tax code, Scottish rates and the £100k trap.
Employee, employer and self-employed NI with the full band breakdown.
Employer NI, pension and overheads on top of gross salary.