Two jobs tax calculator
Enter both salaries to estimate your total take-home pay. Income Tax is worked out across both jobs, while NI is normally calculated separately.
Enter your pay details
Your calculation
£45,000.00 gross per year · £36,719.60 annual take-home
Monthly view · updates as you change your details
- Take-home pay£3,059.97
- Income Tax£540.50
- National Insurance£149.53
- Pension£0.00
- Student loans£0.00
- Other sacrifice£0.00
| Component | Yearly | Monthly | 4-weekly | Fortnightly | Weekly | Daily | Hourly |
|---|---|---|---|---|---|---|---|
| Gross income | £45,000.00 | £3,750.00 | £3,461.54 | £1,730.77 | £865.38 | £173.08 | £11.54 |
| Income Tax | -£6,486.00 | -£540.50 | -£498.92 | -£249.46 | -£124.73 | -£24.95 | -£1.66 |
| National Insurance | -£1,794.40 | -£149.53 | -£138.03 | -£69.02 | -£34.51 | -£6.90 | -£0.46 |
| Pension contribution | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Student loans | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Other salary sacrifice | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Take-home pay | £36,719.60 | £3,059.97 | £2,824.58 | £1,412.29 | £706.15 | £141.23 | £9.42 |
How combined deductions were calculated
Combined Income Tax: £6,486.00 on £32,430.00 taxable pay, with one £12,570.00 Personal Allowance. This is the yearly total for both jobs; it does not assign tax codes to your employers.
Job 1 NI £1,794.40 + job 2 NI £0.00 = £1,794.40. Student loan deductions are estimated separately for each job. A Self Assessment return can produce a different repayment amount.
This assumes steady pay from two unrelated jobs. It does not cover NI aggregation, deferment or adjustments through Self Assessment. Splitting your tax code between jobs does not give you another Personal Allowance. Daily and hourly figures use five days and 37.5 hours a week unless you change the working-hours settings. All conversions use 52 paid weeks. Your pay dates and payroll rounding may give different payslip amounts.
Use the full calculator for bonus, overtime and other salary sacrifice →
How it works
Income Tax is worked out on the two salaries together, with one Personal Allowance. NI is estimated separately for each unrelated job. The result is a yearly estimate, not a set of tax codes for your employers.
Comparing the result with your payslip
Check your tax year, country, gross pay and pension method first. A custom tax code, bonus, earlier pay or other income can make your payslip different from an annual estimate.
Sources: HMRC Income Tax rates, employee NI rates and Scottish Income Tax. Checked 23 October 2026. For help with your own tax or debts, speak to HMRC, payroll or an adviser.
Useful tools and help
See the take-home pay tables.