US Multiple Jobs Tax Calculator
Calculate your total tax when working 2 or more jobs. See how your combined income affects withholding, potential underpayment, and your actual take-home pay.
Your Jobs
Combined Summary
2025 tax year. Each employer withholds taxes independently.
How Tax Works with Multiple Jobs
Federal Income Tax
- • Each employer withholds taxes based on your W-4
- • Withholding assumes each job is your only income
- • Combined income determines your actual tax bracket
- • Standard deduction ($15,000 single) applies once
FICA Taxes
- • Social Security: 6.2% up to $176,100
- • Medicare: 1.45% on all wages (no cap)
- • Each employer withholds FICA independently
- • SS overpayment can be claimed as credit when filing
W-4 Options for Multiple Jobs
| Option | Description |
|---|---|
| IRS Estimator | Use the IRS Tax Withholding Estimator online tool |
| Step 2(c) Checkbox | Check the box on both W-4s if only two jobs with similar pay |
| Multiple Jobs Worksheet | Complete the worksheet to calculate extra withholding |
| Extra Withholding | Enter additional amount to withhold in Step 4(c) |
Tips for Managing Tax with Multiple Jobs
Check Your Withholding
Use the IRS Tax Withholding Estimator at least once a year, especially after starting a new job. This tool helps you determine the right amount of withholding to avoid owing a large amount or getting too big of a refund.
Avoiding Underpayment Penalties
If you owe more than $1,000 when you file, you may face an underpayment penalty. To avoid this, ensure your withholding covers at least 90% of this year's tax or 100% of last year's tax (110% if your AGI was over $150,000).
Self-Employment as Second Income
If your second job is self-employed (freelance, 1099 contractor), you'll need to make quarterly estimated tax payments. Self-employment tax (15.3%) covers both employee and employer portions of FICA. See our self-employed calculator for more details.
Social Security Overpayment
If your combined wages exceed the Social Security wage base ($176,100 in 2025) and each employer withheld Social Security tax, you may have overpaid. Claim the excess as a credit on your Form 1040 when you file your tax return.