Australia Second Job Calculator

About This Calculator

This Australia Second Job Calculator estimates the tax you will pay on income from a second job. When you have multiple employers, the ATO often applies a higher withholding rate to your second income because your tax-free threshold is usually used by your main job. You can select a flat withholding rate (typically 32–47% depending on your marginal rate) to simulate this. The calculator gives an estimate of your take-home pay from the second job alone, helping you budget and avoid year-end surprises.

How Is Second Job Income Taxed in Australia?

Second jobs in Australia are often subject to a higher rate of PAYG withholding because your main employer typically uses your tax-free threshold and lower tax brackets. The ATO may issue a "no TFN" or higher-rate withholding instruction for your second employer.

We use a flat withholding rate (32–47%) to approximate this. Your actual marginal rate depends on your combined income: lower earners may be around 34% (16% tax + 2% Medicare + low-income offset considerations), while higher earners can be 47% (45% tax + 2% Medicare). Select the rate that best matches your expected marginal bracket.

At the end of the financial year, the ATO reconciles your total income and tax paid. You may receive a refund if too much was withheld, or owe more if too little. This calculator provides an estimate for planning; for exact figures, use the ATO's tools or seek professional advice.