NHS Bank Job and Second Job Tax Calculator
How a bank job or second job is taxed, and what you keep.
Your details
hrs
£
You keep from the second job each month
£400.00
Likely tax code BR (20% on all of it)
- Second job gross / month
- £500.00
- Tax on code BR
- −£100.00
- National Insurance (this job only)
- −£0.00
- Kept / month
- £400.00
- Tax balances out
- £0
NI is charged per pay period in each job, so monthly figures can differ a little. Assumes tax code 1257L in your main job.
How it is worked out
- 1Your main job uses your personal allowance, so a second job is usually taxed on code BR: 20% on every pound.
- 2National Insurance is worked out separately for each job, so a small second job may pay no NI at all.
- 3We also work out the tax you really owe on your combined income, so you can see if the BR code takes too much or too little.
Worth knowing
- If your combined income is over the higher rate threshold, the second job should be on code D0 (40%). Otherwise you may owe tax later.
- You can join the NHS Pension on bank work too. Your tier is based on that job's own pay.
Common questions
Why is my bank pay taxed at 20% with no allowance?+
Your tax-free personal allowance is normally all used by your main job, so the second job gets code BR, which taxes all of it at 20%.
Sources
The rules and figures behind this calculator come from:
Results are estimates for Agenda for Change staff in England using 2026/27 figures. They are not financial advice. Your payslip, employer or NHS Pensions statement has the final word.
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