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How Will My Second Job Be Taxed?

By: J.A.J Aaronson - Updated: 17 Nov 2017 | comments*Discuss
 
Tax Second Job Tax Code Income National

Q.

If you have two jobs, does the second job get taxed more at all, even if the salary of both jobs combined is less than 34k?

(Mr M.Y., 16 March 2011)

A.

Many people seem to think that second jobs are taxed at a higher rate. We have previously received questions regarding the tax treatment of a part-time job if the worker is drawing a private pension (see Is It Worth Taking a Part-Time Job On A Pension?), and much the same principle applies in your case. There is no separate rate of tax for a second job, although this is likely to affect your non-taxable personal allowances, and your tax code.

Non-taxable Personal Allowance

In the first instance, it is important to note that you have one non-taxable personal allowance per year, regardless of the number of jobs you have. For the 2015-16 tax year, this is set at £11,000 if you are under 65 years old. This non-taxable allowance will apply to just one of your jobs. As such, you will probably receive your allowance on your first job, meaning that the first £11,000 earned from this source will be free from tax. However, once you have used that allowance, all other income will be taxed at the normal rate.

Earnings Threshold

You have mentioned that your combined salary is less than £34,000. For the 2016-17 tax year, the earnings threshold for the basic tax bracket is £43,000. As such, if your total income is less than this, it will all attract income tax at a rate of 20% for this tax year. You should also remember that you will almost certainly be liable for National Insurance Contributions, which will be paid at a rate of 12% for earnings above £155 per week.

Finally, you are likely to find that your tax code changes if you take on a second job. If you will continue to be a basic rate tax payer, your code will change to BR for ‘basic rate’, and will continue to be followed by a number that outlines the way in which your income is taxed. For more information on understanding your tax code, you may wish to read What Is My Tax Code?

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[Add a Comment]
Hi, I’m a student with two casual jobs. The two wages combined come nowhere near the personal allowance But I got taxed 20% on the second job, Can I claim this back at all? If not Can I swap the two around, so I pay tax on the other job instead?
hannah99 - 17-Nov-17 @ 3:23 PM
Jake - Your Question:
I have just started my second job. Both are part time and overall I earn below the £10,000 tax bracket. However, I have been taxed on my second job. Will I get this back straight away if I call up or will I naturally be taxed on a second job.

Our Response:
You would need to contact HMRC directly, you will be reimbursed. HMRC will change your tax code.
TheTaxGuide - 14-Nov-17 @ 3:42 PM
I have just started my second job. Both are part time and overall i earn below the £10,000 tax bracket. However, i have been taxed on my second job. Will i get this back straight away if i call up or will i naturally be taxed on a second job.
Jake - 14-Nov-17 @ 11:04 AM
Phylis68 - Your Question:
Hi, I have been offered a new job which is 22 hrs a week but I would like to stay as bank staff at my current job. Can I change my new job to my first job and how much would I get taxed on my bank staff job as I will be earning around 10,000 on my new job. Thank you

Our Response:
If you make your new job your main job (you would have to contact HMRC to organise this), and you only earn £10,000, you would not be taxed on this. You would only begin to be taxed once you earn over £11,500. If your second job takes you over this amount, you will then be taxed at 20% on earnings over.
TheTaxGuide - 14-Nov-17 @ 11:04 AM
AC1323 - Your Question:
I currently work 2 evenings and 1 day a weekend (part time) and earn £180 per week paid monthly. I am just about to start a full time job 35 hours per week for 16k a year. How will my tax and amount of tax I pay now be affected?

Our Response:
You may wish to contact HMRC and make your full-time job your main job and your part-time work your second job. This will mean your annual personal tax allowance of £11,500 will be attributed to your main full-time job and your second job will be taxed at a straight 20%.
TheTaxGuide - 14-Nov-17 @ 10:07 AM
I currently work 2 evenings and 1 day a weekend (part time) and earn £180 per week paid monthly. I am just about to start a full time job 35 hours per week for 16k a year. How will my tax and amount of tax I pay now be affected?
AC1323 - 13-Nov-17 @ 6:52 PM
Hi, I have been offered a new job which is 22 hrs a week but I would like to stay as bank staff at my current job. Can I change my new job to my first job and how much would I get taxed on my bank staff job as I will be earning around 10,000 on my new job. Thank you
Phylis68 - 13-Nov-17 @ 2:54 PM
@Jbew - you'd only begin paying tax when you reached £11,500 (which is your tax allowance) on both jobs.
Jules54 - 13-Nov-17 @ 10:14 AM
I've recently started a job after not working for 13 years.. it's 15hrs a week at £7.50 pr hour, I might be taking on another job that's seasonal and 20 hour per week.. I know I wouldn't pay tax yet on the first but would I pay tax on the second?
Jbew - 12-Nov-17 @ 8:18 AM
Hi, I currently work 2 jobs in school I take home £1,400 a month I also give my husband (marriage allowance) £1000 from my personal allowance. I am starting a part-time job working 4hrs mon-fri @£7.50ph. Could you let me know how much tax I will should pay a month.
Angel68 - 11-Nov-17 @ 10:27 AM
@Karen - yes, the cleaning job would be the second job and because the hourly rate and jobs are different.
Halle - 10-Nov-17 @ 3:24 PM
I currently work 12.5 hours per week cooking in a school and get 400 pounds per month from this job. Ive been asked if I would like to do an additionalcleaning job for an extra 15 hours per weekat the same school . This would push my hours up to 27.5 per week. Will the cleaning job be classed as a second job if I'm using the same payroll number as my first job as it's with the same school?
Karen - 10-Nov-17 @ 2:28 PM
Jmart94 - Your Question:
Hiya. I am a full time mum and work pt only I have one job where I earn £3,300 per year and I'm about to take on another job where I will get paid the same amount (9 hours a week at minimum wage for both jobs) Meaning I will only get paid per year £6,600, will I get taxed on this? Thanks

Our Response:
You will not get taxed on this. You have to earn £11,500 per annum before you pay any tax.
TheTaxGuide - 7-Nov-17 @ 2:50 PM
sarah7387 - Your Question:
HiI have just started a part time job working 6 hours a week @ £8ph doing a friend's accounts, my tax code is 1150L. I have also been approached re a full time job I applied for a few months ago and can comfortably work both. How does this affect me? I'm a little confused as my second job will pay more than my first. Will I overpay tax and need to apply for a refund?

Our Response:
You could make your second job your main job by contacting HMRC. Your full-time job would then be the job from which your annual personal tax allowance can be calculated and if you go above the £11,500 ceiling, the your second job would be calculated for you to pay a straight 20% tax. 1150L is the tax code currently used for most people who have one job or pension. This would need to be changed once you begin your second job.
TheTaxGuide - 7-Nov-17 @ 10:47 AM
Hi I have just started a part time job working 6 hours a week @ £8ph doing a friend's accounts, my tax code is 1150L. I have also been approached re a full time job I applied for a few months ago and can comfortably work both. How does this affect me? I'm a little confused as my second job will pay more than my first. Will I overpay tax and need to apply for a refund?
sarah7387 - 6-Nov-17 @ 7:45 PM
Lauren - Your Question:
Hi there.I am a full time student currently working 16 hours per week at £7.50 an hour. I have just been offered another job for an 8 hour contract. To make it 24 hours per week in total. Am I automatically charged 20% tax on my second job OR is this only once I have reached my tax free allowance?

Our Response:
You would be charged 20% tax once you have reached your annual personal tax credit allowance.
TheTaxGuide - 6-Nov-17 @ 4:06 PM
Mazhar - Your Question:
Hi there, I am considering getting a second job part time. I already have a full time job earning 20 K. My second job will be 7.50 / Hour. 15 hours contract. How much tax will I pay on the second job?Thanks

Our Response:
You will pay 20% tax on your second contract.
TheTaxGuide - 6-Nov-17 @ 4:02 PM
I've just been offered another job, but my present employer has asked of I would go "bank" would my tax be higher with my new main job or would I need to earn from both jobs?
Ann - 6-Nov-17 @ 2:49 PM
Hi I would like some advise. I have a main job where I earn 29k per year. But since I work only a few days a month and work mostly from home. I want a second job. I have been offered jobs from 25k to 30k plus. Can my second job be just put on a BR tax code? Would I be expected to pay a higher rate of tax automatically? Currently I have a part time job which has put me on a 985L I believe I am paying to much tax. Would I be entitled to a refund at the end of the year? Will just stay on the 985L tax code
Hiraneouk - 6-Nov-17 @ 2:47 PM
Hi there. I am a full time student currently working 16 hours per week at £7.50 an hour. I have just been offered another job for an 8 hour contract. To make it 24 hours per week in total. Am I automatically charged 20% tax on my second job OR is this only once I have reached my tax free allowance?
Lauren - 6-Nov-17 @ 2:37 PM
Olivia - Your Question:
Hi I currently work 8.75 hours a week at £7.50 an hour and will be starting a full time job tomorrow which will be 38 hours a week at £7.50 an hour rising to £8 after 4 weeks. The part time job is a 5.30pm start and the new one is a 5pm finish so I can still do the part time job I’m just wondering about tax etc? Is it worth me still doing the part time one or just sticking to the full time one? Thanks

Our Response:
It's entirely up to you. You will be taxed at the same rate as your main job as 20%. For ease, you may wish to make your full-time job your main job and your part-time job your second job.
TheTaxGuide - 6-Nov-17 @ 2:09 PM
Hi there, I am considering getting a second job part time. I already have a full time job earning 20 K. My second job will be 7.50 / Hour. 15 hours contract. How much tax will i pay on the second job? Thanks
Mazhar - 6-Nov-17 @ 12:08 PM
Hi I currently work 8.75 hours a week at £7.50 an hour and will be starting a full time job tomorrow which will be 38 hours a week at £7.50 an hour rising to £8 after 4 weeks. The part time job is a 5.30pm start and the new one is a 5pm finish so I can still do the part time job I’m just wondering about tax etc? Is it worth me still doing the part time one or just sticking to the full time one? Thanks
Olivia - 5-Nov-17 @ 8:27 PM
Hiya. I am a full time mum and work pt only I have one job where I earn £3,300 per year and I'm about to take on another job where I will get paid the same amount (9 hours a week at minimum wage for both jobs) Meaning I will only get paid per year £6,600, will I get taxed on this? Thanks
Jmart94 - 3-Nov-17 @ 11:26 PM
@T M- just ring up HMRC - you can swap them around.
Mike - 3-Nov-17 @ 3:11 PM
Hello, I have a 0 hour contract job, where I don’t earn enough to be taxed. I have a new job at £30k salary. Which one is classed as my second job? And will I get taxed BR 20%on my £30k salary job? Am I better off quitting my 0 hour contract job? Thanks for l your help in advance !
T M - 3-Nov-17 @ 10:31 AM
Nate - Your Question:
I currently work 10 hours a week but am considering getting another 10 hour a week job along side my original job. How will this affect me with tax??

Our Response:
Much depends upon how much you will earn through the two jobs. The standard Personal Allowance is £11,500, which is the amount of income you don’t have to pay tax on. Anything you earn over this amount is taxable at 20%.
TheTaxGuide - 2-Nov-17 @ 2:55 PM
Liamf - Your Question:
Hi, I currently have a full time job earning 25k and am taking on a second job earning roughly 11k, will my salary and tax remain the same on my current job An just charged 20% tax on my second job ?

Our Response:
Yes, your annual personal tax allowance will be allowed for in your main job and anything you earn in your second job will be taxed at 20%.
TheTaxGuide - 2-Nov-17 @ 2:12 PM
green fish - Your Question:
Hi im currently working part time earning average 11,000 a year n want to on another paet time job which pays 12,000 hiw will my tax and NI work out for both jobs

Our Response:
If you earn £23,000 over the current year, you would bring home £18,921 (£1,577 per month. Over the year you'll pay approximately £2,298 income tax and £1,780 in National Insurance.
TheTaxGuide - 2-Nov-17 @ 12:25 PM
Hi, I currently have a full time job earning 25k and am taking on a second job earning roughly 11k, will my salary and tax remain the same on my current job An just charged 20% tax on my second job ?
Liamf - 1-Nov-17 @ 11:42 PM
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Latest Comments
  • hannah99
    Re: How Will My Second Job Be Taxed?
    Hi, I’m a student with two casual jobs. The two wages combined come nowhere near the personal allowance But I got taxed…
    17 November 2017
  • TheTaxGuide
    Re: How Will My Second Job Be Taxed?
    Jake - Your Question:I have just started my second job. Both are part time and overall I earn below the £10,000 tax bracket.…
    14 November 2017
  • Jake
    Re: How Will My Second Job Be Taxed?
    I have just started my second job. Both are part time and overall i earn below the £10,000 tax bracket. However, i have been…
    14 November 2017
  • TheTaxGuide
    Re: How Will My Second Job Be Taxed?
    Phylis68 - Your Question:Hi, I have been offered a new job which is 22 hrs a week but I would like to stay as bank staff at…
    14 November 2017
  • TheTaxGuide
    Re: How Will My Second Job Be Taxed?
    AC1323 - Your Question:I currently work 2 evenings and 1 day a weekend (part time) and earn £180 per week paid monthly. I am…
    14 November 2017
  • AC1323
    Re: How Will My Second Job Be Taxed?
    I currently work 2 evenings and 1 day a weekend (part time) and earn £180 per week paid monthly. I am just about to start a…
    13 November 2017
  • Phylis68
    Re: How Will My Second Job Be Taxed?
    Hi, I have been offered a new job which is 22 hrs a week but I would like to stay as bank staff at my current job. Can I…
    13 November 2017
  • Jules54
    Re: How Will My Second Job Be Taxed?
    @Jbew - you'd only begin paying tax when you reached £11,500 (which is your tax allowance) on both jobs.
    13 November 2017
  • Jbew
    Re: How Will My Second Job Be Taxed?
    I've recently started a job after not working for 13 years.. it's 15hrs a week at £7.50 pr hour, I might be taking on another…
    12 November 2017
  • Angel68
    Re: How Will My Second Job Be Taxed?
    Hi, I currently work 2 jobs in school I take home £1,400 a month I also give my husband (marriage allowance) £1000 from my…
    11 November 2017
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