Is a Second Job Worth It? UK Calculator

Section 1 of 6

Current job

Record the job you already have.

1 · Current

Your existing employment

Current annual basic salary (£)Required

Current job wage payment schedule OptionalUsed to show gross pay per payment. It does not change the annual salary or tax calculation.

Current paid hours per week Optional

Average physical paid hours worked per week across the yearExclude paid leave not worked. Leave blank if unknown; enter 0 only when there are no physical paid hours.

Current working days per week Optional

Current annual work and commute costs (£)Leave blank if unknown. Enter £0 only when you mean no cost.

Advanced detailsCurrent job pay, costs and time breakdown

Other taxable cash per year (£)

Confirmed taxable benefits (£)

Use breakdown instead of total

Annual commute costs (£)

Other annual work costs (£)

Annual reimbursements (£)

Additional unpaid work hours per week

Commute minutes per working day

Normal unpaid break minutes per day

Section 2 of 6

Added job

Add only the pay, time and costs created by the second job.

2 · Added job

The employment you may add

Second-job annual basic salary (£)Required

Second job wage payment schedule OptionalUsed to show gross pay per payment. It does not change the annual salary or tax calculation.

Second-job paid hours per weekRequiredEnter 0 hours only when the pay is not linked to working time; per-hour results will stay unavailable.

Average physical paid hours worked per week across the yearExclude paid leave not worked. Leave blank if unknown; enter 0 only when there are no physical paid hours.

Second-job working days per week Optional

Second-job annual work and commute costs (£)Leave blank if unknown; enter £0 only when none.

Additional annual costs genuinely shared by both jobs (£)Count a shared cost once. Leave blank if you do not yet know it; enter £0 if there is none.

Advanced detailsSecond job pay, costs and time breakdown

Other taxable cash per year (£)

Confirmed taxable benefits (£)

Use breakdown instead of total

Annual commute costs (£)

Other annual work costs (£)

Annual reimbursements (£)

Additional unpaid work hours per week

Commute minutes per working day

Normal unpaid break minutes per day

Section 3 of 6

Your targets

Set the extra money or hourly value that would make it worthwhile.

3 · Your targets

What would make the extra work meet your goal?

Minimum additional money after costs per year (£) Optional

Minimum additional money per added working hour (£) Optional

These are your own comparison targets, not a universal verdict.

Section 4 of 6

Tax & pensions

Describe the combined tax position and each employer pension.

4 · Essential assumptions

Your combined Income Tax position

Tax yearRequired

Income Tax regionRequired

Main annual tax codeRequiredUsed to estimate the combined annual liability. Actual PAYE codes and cash timing can differ by employer.

Student loanRequired

Include a postgraduate loan

Blind Person’s Allowance

These are unrelated employers and I am using standard NI category A, without NI deferment or director treatment.

Advanced detailsPension details for each employer

Current job pension

Method

Enter as

Contribution (%)

Percentage applies to

For relief at source, enter a gross percentage including the provider top-up. For an annual amount, enter the amount actually deducted from your pay, excluding the provider top-up.

Other annual salary sacrifice (£)

Second job pension

Method

Enter as

Contribution (%)

Percentage applies to

For relief at source, enter a gross percentage including the provider top-up. For an annual amount, enter the amount actually deducted from your pay, excluding the provider top-up.

Other annual salary sacrifice (£)

Income Tax is combined once. NI, student-loan repayments and pensions are estimated separately for each employer.

Section 5 of 6

Review

Check the two sides or target, then calculate.

Is a second job worth it?

Current job

Your existing employment

Added job

The employment you may add

Your targets

What would make the extra work meet your goal?

Tax & pensions

Your combined Income Tax position

Current job pension

Second job pension

Review

Results

Comparison of entered fields

Review compatible answers

Can use

Still needed

Couldn’t use