Active discussions

Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Talk
Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Original poster

2 jobs and tax

33 replies

Donut22 · 03/11/2023 20:14

I'm a single parent working two low income jobs
1st job 400 4weekly
2nd job 500 4 weekly

Can anyone help with what I should pay tax wise? I was talking to someone today and they mentioned I shouldn't have to pay tax because my wage is low? Buy I have no idea 😅

OP posts:
Original poster
Donut22 · 03/11/2023 22:20

Anyone 🙃

OP posts:
Pussygaloregalapagos · 03/11/2023 22:21

Are they runningbPAYE at the jobs? If so it will be automatically calculated via your tax code.

If not PAYE you should do a Self Assessment.

Hadalifeonce · 03/11/2023 22:22

If you earn less than around £12,500 per year then you don't pay tax.

MortifiedSeptember · 03/11/2023 22:25

Call HMRC and you can divide your tax allowance into two pots. They can also reverse tax and give the money back when your next payslip is generated. At least that is what happens to me. It was simple and straightforward.

CuriousGeorge80 · 03/11/2023 22:53

Are these payment amounts before or after tax?
Are you paid PAYE (tax deducted) or not?

MaggieBsBoat · 03/11/2023 22:55

I doubt you’d pay tax on that amount, just a bare modicum of national insurance. Years ago I earned around that and I think my tax and NI were like £14!

BlackandGold · 03/11/2023 23:02

The total amount from both jobs would put you under your personal allowance if this is gross pay.

If PAYE check your tax codes and contact HMRC to explain that you would like your tax code splitting between the two jobs.

Original poster
Donut22 · 03/11/2023 23:12

My 2nd job I get taxed on so I earn 500 but after tax I'm left with 440. I know I'm paying tax but wasn't sure if it was right/wrong who to call etc

OP posts:
KateyCuckoo · 03/11/2023 23:19

Are you sure it's tax? That might be your national insurance contributions.

Original poster
Donut22 · 03/11/2023 23:28

Defo tax

2 jobs and tax
OP posts:
Schoolchoicesucks · 03/11/2023 23:32

What are your tax codes being used by both jobs? You need to call HMRC and let them know your expected annual earnings from both jobs and that you want to split your tax allowance between them. They'll send your employers updated tax codes.

MikeRafone · 04/11/2023 06:11

Telephone HMRC and tell them how much you predict you’ll earn in each job and they will adjust your tax code for each job so you don’t pay tax. They’ll also refund the tax paid

Hearmenow23 · 04/11/2023 06:18

Looks like you'll be getting this tax back.

sashh · 04/11/2023 07:04

Have a look at your payslips, you need to look for your tax code.

Often second jobs are taxed at BR, which is 'basic rate' and does not take into account your personal allowance.

https://www.gov.uk/tax-codes/what-your-tax-code-means

Tax codes

What tax codes are, how they're worked out, and what to do if you think your code is wrong.

https://www.gov.uk/tax-codes/what-your-tax-code-means

Hayliebells · 04/11/2023 07:08

sashh · 04/11/2023 07:04

Have a look at your payslips, you need to look for your tax code.

Often second jobs are taxed at BR, which is 'basic rate' and does not take into account your personal allowance.

https://www.gov.uk/tax-codes/what-your-tax-code-means

Yes exactly this. I have a second job, and it's the sort of work where they presume it's your second job, so they automatically apply the basic rate of tax. I agree your best bet is to ring HMRC to inform them you're working two jobs. Then the tax can be calculated correctly now, rather than needing to wait until the end of the tax year for a refund.

Erber · 04/11/2023 12:55

There's a good chance they've split your tax code in an odd way. When I started a new job but kept working my old job pt they assigned my whole personal allowance to the pt job where I worked maybe 1 day a week at most and would never be liable for tax. On my new 'main' job I was getting taxed on everything I earned and they'd put me on an emergency tax code so I think they were taking around 40% off me. I'd filled out forms with my new employer AND called them in advance hoping they wouldn't mess it up as I was the sole breadwinner for a family of 4 at that point and couldn't afford any mistakes. So I was a bit snnoyed when I only received about £700 for my first pay.

I called HMRC and got it sorted, but it took them a month or 2 to actually change it, then I didn't get the tax I'd actually paid back until October of the next year. This happened in May 2019 and I actually received the money back in October 2020 as a tax rebate. I think they were abnormally slow to process rebates that year due to covid.

Tbh public sector employees can be pretty slow and useless, and departments NEVER communicate with each other. If I behaved that way in any of my jobs I'd be fired. I don't really blame the employees themselves, its mostly inefficient and outdated systems that are the issue I believe.

moetmoet · 04/11/2023 12:59

Your tax free allowance is £12,500 per year so assuming your annual gross pay is less than this you won't pay any tax.

MikeRafone · 04/11/2023 14:27

how long have you had two jobs?

MedicalNov23 · 04/11/2023 14:32

Just phone HMRC and ask them to split your tax code between the 2 jobs. It's do easy.

WYorkshireRose · 04/11/2023 14:38

In all likelihood you'll pay £0 tax on you first job as your tax code will be 1257L and you fall below the threshold to pay tax.

The reason you'll be paying tax on your second job income is because they're likely to have you on a BR tax code so you pay tax at 20%.

This isn't an issue because at the end of the year HMRC will reconcile your total earnings and if they're below £12,570, you'll get a tax refund for the tax you've overpaid on your second job.

Alternatively, you have the option to contact HMRC mid year and ask them to change your tax code with both jobs, so you essentially split your personal allowance in half and don't pay any tax on either.

LIZS · 04/11/2023 14:43

What tax code are they using? Some of your allowance will be used by first job with tax code ie. 1257 but the second should have code adjusted to allow for the income from first. Overall you are not due to pay tax but if you have had any deductions they can be reclaimed.

Zanatdy · 04/11/2023 17:02

You always end up paying more tax when you’ve got 2 jobs, but if earn under £12,500 per year in total you’ll get a tax rebate

Yoyooo · 04/11/2023 17:09

Zanatdy · 04/11/2023 17:02

You always end up paying more tax when you’ve got 2 jobs, but if earn under £12,500 per year in total you’ll get a tax rebate

I don't think this is true? You'll just get a tax rebate when they calculate how much you earnt and how much tax you paid after the tax year

MedicalNov23 · 04/11/2023 17:19

Yeah. Thats not true. Whats the logic of that statement? Hmm

rainbowunicorn · 04/11/2023 17:47

Yoyooo · 04/11/2023 17:09

I don't think this is true? You'll just get a tax rebate when they calculate how much you earnt and how much tax you paid after the tax year

Show quote history

No you won't. You will pay the exact same amount of tax per year irrespective of how many jpbs you have. You can earn £30000 in one job or 3 jobs at £10000 and amount of TAX you pay per yaer would be the same

Swipe left for the next trending thread