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Second Job Tax Calculator Australia

See how much of a second income you may keep after final tax, then test whether the PAYG withheld across both jobs is likely to cover it.

01 —TWO-JOB INCOME

Uses resident tax, Medicare, LITO and PAYG schedules for the selected year.

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The ATO generally says to claim the threshold from only one payer when combined income exceeds $18,200.

02 —SECOND-JOB VALUE
Second-job income kept after final tax$13,600
68.0% kept
Gross second-job income$20,000
Extra final tax from second job−$6,400
Combined taxable income$100,000
Withholding projection
Main-job PAYG projection$16,172
Second-job PAYG projection$3,588
Estimated final tax, Medicare and HELP$22,520
Projected withholding shortfall$2,760
The modelled shortfall is about $53 a week. You can ask a payer to withhold extra; an ATO-approved variation may be needed in some cases.

PAYG is projected as 52 even weekly payments. Irregular hours, deductions, offsets, salary sacrifice and employer variations can change the actual year-end result.

What this estimate includes

  • There is no special second-job tax rate; annual income is combined.
  • Shows the marginal tax, Medicare and optional HELP effect of the extra income.
  • Separates final annual liability from pay-period withholding.
  • Models the tax-free threshold claimed or not claimed at the second job.

Frequently asked questions

Do I pay more tax because I have a second job?
Australia does not impose a separate second-job tax rate. Both jobs contribute to your annual taxable income, so the extra income is effectively taxed at the marginal rates reached by your combined income.
Should I claim the tax-free threshold on my second job?
The ATO generally says to claim the threshold from only one payer, usually the higher-paying job, when combined income will exceed $18,200. It allows multiple claims where total income from all payers is expected to remain below the threshold.
Why can two jobs cause a tax bill?
Each payroll normally withholds using only the pay it sees. If both jobs apply the tax-free threshold, or if combined income changes Medicare, HELP or marginal-rate outcomes, total withholding can be lower than the final annual liability.
Can I ask my employer to withhold extra tax?
You can ask a payer to withhold an additional amount. If you want less than the standard schedule amount withheld, an ATO-approved withholding variation may be required.

Tax Accuracy & Sources

Reviewed: 28 July 2026 · Tax year: 2025-26 and 2026-27

Indicative Australian-resident estimate using annual income, Medicare, LITO, optional HELP and standard PAYG schedules. It assumes 52 even weekly pays and excludes deductions, offsets, irregular payments, salary packaging and withholding variations.

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