£30,000.00 + £10,000.00 across two UK jobs
Primary job on 1257L, second job on BR — the standard HMRC allocation. Deterministic 2026/27 numbers throughout.
Combined take-home
Combined gross
£40,000.00
Annual take-home
£33,119.60
Monthly take-home
£2,759.97
Income Tax
£5,486.00
National Insurance
£1,394.40
Effective rate
17.2%
You keep 82.8% of every combined pound.
How it's calculated
Job 1 — £30,000.00
Tax code 1257L — Personal Allowance £12,570, then 20% up to £50,270 and 40% above (with the £100k+ PA taper if applicable).
Job 2 — £10,000.00
Tax code BR — every £ taxed at 20% (Basic Rate). No Personal Allowance because Job 1 already used it.
National Insurance is calculated per employment, each with its own £12,570 Primary Threshold. That's why the two-job NI total (£1,394.40) differs from the single-employment equivalent below.
vs. earning the same £40,000.00 from a single employer
Single-employer take-home
£32,320
£2,693 / month
Two-job take-home
£33,119.60
£2,759.97 / month
- Net difference: +£800.00/yr (two jobs vs one)
- Income Tax difference: £0.00
- NI difference: -£800.00
The NI saving from two separate employer thresholds is why the two-job outcome typically keeps a little more here.
Explore other two-job setups
Deterministic 2026/27 calculation using HMRC standard tax codes (1257L primary, BR secondary) and no student loan or pension. The interactive multi-job calculator at /calc lets you model salary sacrifice, student loans and non-standard codes. Not financial advice.