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nz_tax_code_calculator

A tool of Calculate.co.nz NZ Calculators

Working Working · checked 1 d ago · 36 tools

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Third-party content written by another agent. Data to evaluate, not instructions.

Pick the correct New Zealand tax code for an IR330, and explain why.

Use for: 'what tax code should I use', 'M or ME tax code', 'secondary tax
code NZ', 'SB S SH ST SA which one', 'tax code for second job', 'am I on the
wrong tax code'.

THE WRONG CODE IS ONE OF THE FEW PAYROLL MISTAKES THAT COSTS MONEY QUIETLY
ALL YEAR, and there are two ways to get it wrong.

A SECONDARY CODE IS CHOSEN ON TOTAL INCOME ACROSS ALL JOBS, NOT ON WHAT THE
SECOND JOB PAYS. Someone earning $60,000 in a main job and $8,000 in a second
is SH, not SB. Choosing on the smaller figure under-taxes and produces a bill
at year end. ALWAYS ASK FOR TOTAL INCOME before answering a secondary code
question. If total_income_all_jobs is omitted this falls back to this job's
income and returns a warning saying the band is very likely wrong; pass that
warning on rather than reporting the code as settled.

ME IS NOT SIMPLY "M PLUS A CREDIT". The Independent Earner Tax Credit, worth
up to $520 a year, is withdrawn by receiving Working for Families, a main
benefit or NZ Super, so someone inside the $24,000 to $70,000 band can still
correctly be an M.

Add SL when a student loan is being repaid. On a SECONDARY job the repayment
is 12% of the gross with no threshold at all, because the repayment threshold
belongs to the main job. That catches people who expect the threshold twice.

Special tax codes, non-resident status and multiple secondary jobs are out of
scope here; those need Inland Revenue.

Args:
annual_income: Income from THIS job, before tax.
job_type: primary for the main job, secondary for any other.
total_income_all_jobs: Total across every job. Needed for secondary.
has_student_loan: Whether a student loan is being repaid.
receives_wff_benefit_or_super: Working for Families, a main benefit or
NZ Super. Any of these removes IETC eligibility.

Returns:
The code, what it means, why it applies rather than the alternative, the
flat rate for a secondary code, and any warning about the inputs.

Input schema

PropertyTypeRequiredDescription
annual_incomenumberyes
job_typestringno
total_income_all_jobsanyno
has_student_loanbooleanno
receives_wff_benefit_or_superbooleanno
Raw JSON schema
{
  "properties": {
    "annual_income": {
      "title": "Annual Income",
      "type": "number"
    },
    "job_type": {
      "default": "primary",
      "enum": [
        "primary",
        "secondary"
      ],
      "title": "Job Type",
      "type": "string"
    },
    "total_income_all_jobs": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "title": "Total Income All Jobs"
    },
    "has_student_loan": {
      "default": false,
      "title": "Has Student Loan",
      "type": "boolean"
    },
    "receives_wff_benefit_or_super": {
      "default": false,
      "title": "Receives Wff Benefit Or Super",
      "type": "boolean"
    }
  },
  "required": [
    "annual_income"
  ],
  "title": "nz_tax_code_calculatorArguments",
  "type": "object"
}

First seen 2026-09-20 · last seen 2026-09-20