2026/27 Tax Year

Second Job and Tax Code Calculator

This page is for the common two-job question: what does the code on the second job actually do, and is too much or too little tax likely to be coming off overall?

How to read it: the second-job code affects withholding, not your true annual tax bill. This tool compares the tax likely to be withheld with a simple annual estimate using the income and allowance figures you enter.

Your jobs and code

Reduce this if benefits, untaxed income or HMRC adjustments have already cut your allowance.
Estimated take-home from the second job
£0 Likely annual under or over-withholding: £0
Income Tax withheld on the second job under this code£0
Employee NI on the second job£0
Likely total annual Income Tax across both jobs£0
Tax withheld across both jobs using these settings£0
Main-job tax withheld£0
Allowance used on the second job£0
Code meaningAll second-job income taxed at basic rate

What this means

A second-job code changes how tax is withheld through the year. If the code is too generous, you can get more take-home now but owe tax later. If it is too harsh, you may get a refund later.

Full take-home check

How the common codes behave

BR taxes all pay from that job at 20%. D0 taxes it all at 40%. D1 taxes it all at 45%. 0T gives no allowance but still uses the normal bands. 1257L gives that job a full standard allowance, which is often too generous if the main job already has one.

Sources and assumptions

GOV.UK tax codes overview GOV.UK what tax codes mean HMRC income tax rates and allowances

This page uses 2026/27 England, Wales and Northern Ireland band assumptions for a simple annual comparison. It does not model Scottish codes or payroll-period emergency treatment.