I'm working two jobs
Tax implications, TFN declarations, super from both employers, and things to watch out for when holding multiple jobs.
Tax — claiming the tax-free threshold
You can only claim the tax-free threshold ($18,200 per year) from one employer. Choose the employer that pays you the most. On your TFN declaration for your second job, answer 'No' to the question about claiming the tax-free threshold. This means more tax will be withheld from your second job — but you'll sort it out at tax time. If you claim the threshold from both jobs, you'll likely end up with a tax bill.
How much tax will I pay?
Your income from both jobs is added together to determine your total taxable income and your marginal tax rate. Because your second employer withholds tax without the benefit of the tax-free threshold, more tax is taken out each pay. At tax time, you lodge one tax return covering income from both jobs. Depending on your total income, you may get a refund or owe more. Use the ATO's individual income tax rates to estimate your position.
Super from both employers
Both employers must pay you super — 12% of your ordinary time earnings from each job (as of 1 July 2025). You can choose to have both payments go into the same super fund to keep things simple, or use different funds. Having one fund means fewer fees. Ask each employer to pay into your preferred fund by giving them a Standard Choice Form. Check both lots of super are actually being paid each quarter.
Can your first employer stop you?
Check your employment contract. Some contracts include exclusivity clauses that prevent you from working for another employer, especially competitors. In many cases, your employer can't unreasonably restrict you from taking a second job. But if your second job creates a genuine conflict of interest, competes with your employer's business, or affects your performance, they may have grounds to object. Always check your contract first.
Watch your hours
There's no legal limit on total hours across multiple jobs, but be aware: the maximum ordinary hours under the NES are 38 hours per week per job. If you're covered by an award, check that your combined hours don't breach fatigue management requirements. Some industries (like transport) have strict rules about maximum working hours for safety reasons. You owe each employer your full capacity during their rostered hours.
Practical tips
1. Keep a record of hours worked and pay received from both jobs. 2. Set aside extra money for a potential tax bill at the end of the financial year. 3. Consolidate your super into one fund to save on fees. 4. Tell your second employer you're not claiming the tax-free threshold. 5. Lodge your tax return on time — the ATO will have payment summaries from both employers. 6. Consider using the ATO's PAYG withholding variation if you want to adjust tax taken from each pay.
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General information and estimates only — not legal, financial or tax advice. Always check your specific award, agreement or contract, or a qualified professional, before you rely on the result.
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