2026/27 pay calculator
Second job take-home calculator
Estimate the additional take-home from a second PAYE job, with combined Income Tax and separate employment deductions.
Your details
Tax, pension & student loansStandard Income Tax · No pension · No student loan
Input guidance
- Annual gross salary (£)
- Before Income Tax, NI and employee pension deductions.
- Employee pension (% of all salary)
- Applied to the full salary entered, not qualifying earnings.
Your estimate
Extra monthly take-home from the second job
£687.83
2026/27 estimate. Actual payslips can differ.
Pay breakdown
| Monthly average | Before | After |
|---|---|---|
| Gross pay | £3,750.00 | £4,750.00 |
| Income Tax | £540.50 | £852.67 |
| National Insurance | £216.20 | £216.20 |
| Employee pension | £0.00 | £0.00 |
| Student loans | £0.00 | £0.00 |
| Take-home pay | £2,993.30 | £3,681.13 |
How this estimate works
Annual Income Tax liability across both jobs, with one Personal Allowance. NI and PAYE student loans are estimated separately for two unrelated employers with even monthly pay. Tax codes can change the amount withheld. NI deferment and Self Assessment loan adjustments are not included.
- Combined average monthly take-home
- £3,681.13
Includes your figures. Share only with people you choose.
More about this calculation
One Personal Allowance across both jobs
Income Tax depends on your total annual taxable earnings. This tool calculates the combined annual liability, rather than assuming every second job is permanently taxed at 20%. Your tax codes determine what payroll withholds during the year.
Some deductions are worked out per employment
For two unrelated employers, NI and PAYE student-loan deductions are modelled separately. The two salaries are assumed to be paid evenly each month. Aggregated employments, NI deferment and Self Assessment student-loan adjustments need separate treatment.
Pensions and self-employment
The chosen pension percentage and method apply to both jobs. This is a PAYE comparison, not a self-employment tax calculation. If one role is freelance or the jobs have different pension arrangements, the estimate needs further adjustment.
Worked example
With these settings, extra monthly take-home from the second job is £687.83. This example stays fixed when you change the calculator.
- Annual gross salary (£)
- £45,000
- Second job annual gross salary (£)
- £12,000
- Income Tax region
- England, Wales or Northern Ireland
- Employee pension (% of all salary)
- 0%
- Pension method
- Net pay: before Income Tax
- Undergraduate student loan
- None
- Postgraduate loan
- No
Annual gross pay of £57,000.00 minus Income Tax of £10,232.00, NI of £2,594.40, employee pension of £0.00 and student loans of £0.00 leaves £44,173.60 for the year.
Sources & assumptions
Checked 25 October 2026
- HMRC: tax when you have more than one job
- Income Tax rates
- National Insurance rates
- Student-loan repayments
Salary estimates assume a standard Personal Allowance, employee NI category A and even monthly pay. Individual tax codes, benefits and payroll adjustments can change your payslip.
Read the calculation assumptionsHow the salary calculation works