How to Combine Two (or More) Hourly Jobs Into One Annual Income

To turn two or more hourly jobs into one annual income, convert each job to its own yearly figure, then add them together. For each job, multiply the wage by that job's weekly hours and by the weeks you work it, then sum the results. Two jobs at $22/hr for 25 hours and $18/hr for 20 hours, both worked 52 weeks, come to $28,600 plus $18,720 equals $47,320 a year gross. The mistake most people make is averaging the two wages — that gives the wrong number because the hours are different.

This guide shows the correct way to stack hourly jobs into one annual gross figure, how to find your true blended hourly rate, and the two gotchas that trip up multi-job earners: tax withholding and overtime. Run each job through the Hourly to Salary Calculator and add the results as you read.

Why you cannot just average the wages

Averaging the two hourly rates only works if you spend equal hours at each job — and you almost never do. If you average $22 and $18 you get $20, but that ignores the fact that the higher-paying job runs more hours. The honest method weights each wage by its own hours, which is exactly what converting each job to annual pay does for you automatically.

The rule: convert first, add second. Never blend the wages before you have each job's annual dollars on the table.

Worked example: two jobs, one income

Say you hold a weekday job and a weekend job, both year-round (52 weeks each):

The math per job: Job A is $22 times 25 times 52 equals $28,600. Job B is $18 times 20 times 52 equals $18,720. Added together, your combined gross annual income is $47,320, and you are working 45 hours a week across both.

Your blended hourly rate

Divide combined annual pay by combined annual hours to get your blended hourly rate. Here that is $47,320 divided by 2,340 hours equals $20.22 an hour. That single figure — not $22, not $18, and not the naive $20 average — is your true rate, and it is the number to compare against any salaried offer.

The blended rate is also a decision tool. If a $50,000 salaried job lands on your desk, convert it to hourly: $50,000 divided by 2,080 is about $24.04 an hour. That salaried role pays more per hour than your stacked $20.22 and for 5 fewer hours a week — useful context the headline numbers hide. The reverse conversion is covered in our salary to hourly conversion guide.

Three or more jobs work the same way

The method scales to any number of jobs: convert each to annual, then total. Add a $15/hr gig at 8 hours a week for 52 weeks ($15 times 8 times 52 equals $6,240) to the two jobs above, and your combined income becomes $47,320 plus $6,240 equals $53,560 across 53 weekly hours. New blended rate: $53,560 divided by 2,756 hours equals about $19.43 an hour — lower, because the third job pays less per hour and drags the average down.

Watch for jobs you do not work all year

If a job is seasonal or you only work it part of the year, use that job's real weeks — not 52. A summer job at $20/hr for 30 hours a week over 14 weeks is $20 times 30 times 14 equals $8,400, not a full-year figure. Use each job's own weeks so a 3-month gig is not counted as if it ran all year. The same logic applies if you take unpaid weeks off one job but not the other — give each job its own weeks-worked number.

Gotcha 1: tax withholding across two jobs

Each employer withholds taxes as if its paycheck is your only income, which often leaves multi-job workers under-withheld. Job A withholds assuming you earn $28,600; Job B withholds assuming you earn $18,720. Neither sees the combined $47,320, so neither withholds enough for the higher combined bracket — and you can owe at tax time.

The IRS Form W-4 has a multiple-jobs worksheet and an online estimator designed for exactly this. You can read the official guidance from the IRS Tax Withholding Estimator. Because every figure in this guide is gross, estimate your real after-tax take using the Take-Home Pay Calculator on the combined total, not on each job separately.

Gotcha 2: overtime does not combine across employers

Overtime is calculated per employer, so working 45 total hours across two jobs usually earns no overtime premium. Federal overtime rules apply when you exceed 40 hours for a single employer. In the example above, 25 hours at Job A and 20 hours at Job B are each under 40, so every hour is paid at the regular rate even though your combined week is 45 hours.

Contrast that with one job paying overtime past 40 hours. If you worked 45 hours at a single $22 employer, the 5 extra hours could pay time-and-a-half ($33), worth $165 more that week. To see how overtime stacks within one job, use the Overtime Pay Calculator.

Quick checklist

• Convert each job to annual using its own wage, hours, and weeks.
• Add the annual figures — never average the wages.
• Sum weekly hours to check the schedule is realistic.
• Divide combined pay by combined hours for your blended rate.
• Plan for taxes; combined income can push you into a higher bracket than either job alone implies.

Run each job through the Hourly to Salary Calculator, jot down the annual figures, and add them. The blended number you get is the honest measure of what all your hours are worth — and the only fair way to compare a stacked hourly schedule against a single salaried offer.

Frequently asked questions

How do I combine two hourly jobs into one annual income?

Convert each job to its own annual figure, then add them. For each job, multiply the wage by that job's weekly hours and by the weeks you work it. Two jobs at $22 for 25 hours and $18 for 20 hours over 52 weeks are $28,600 plus $18,720 equals $47,320 a year gross. Do not average the two wages.

What is my blended hourly rate with two jobs?

Divide your combined annual pay by your combined annual hours. With $47,320 across 2,340 hours (45 hours a week for 52 weeks), the blended rate is $20.22 an hour. That is your true rate to compare against a salaried offer — not the naive average of $22 and $18.

Why can't I just average my two hourly wages?

Because you almost never work equal hours at each job. Averaging $22 and $18 gives $20, but the higher-paying job runs more hours, so the true blended rate is $20.22. Averaging only works when both jobs have identical hours; otherwise convert each to annual dollars first, then add.

Do I get overtime pay for working over 40 hours across two jobs?

Usually no. Federal overtime applies when you exceed 40 hours for a single employer, not across employers. Working 25 hours at one job and 20 at another is 45 total hours, but each job is under 40, so all hours are paid at the regular rate with no overtime premium.

Will I owe taxes if I work two jobs?

You can. Each employer withholds as if its paycheck is your only income, so neither withholds for your higher combined bracket, leaving many multi-job workers under-withheld. Use the IRS multiple-jobs worksheet on Form W-4 and estimate combined take-home rather than relying on each job's withholding.

Is the combined income figure before or after taxes?

It is before taxes (gross). Adding each job's annual pay gives combined gross income, which is what you earn, not what you keep. Federal tax, FICA, and any state tax reduce it. Run the combined total through a take-home pay calculator to estimate the after-tax amount.

How do I handle a seasonal or part-year job in the total?

Use that job's real number of weeks, not 52. A summer job at $20 an hour for 30 hours a week over 14 weeks is $20 times 30 times 14 equals $8,400. Give each job its own weeks-worked figure so a 3-month gig is not counted as if it ran the whole year.

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How to calculate a pay raise: percentage, hourly, and annual examples · Salary to hourly conversion: the formula, the math, and how to compare jobs fairly · How to Calculate Hourly Rate From Salary: The Step-by-Step Formula · Salary to Hourly Conversion Chart: $30k–$150k Reference Table