NZ Secondary Tax Code Calculator
Find the New Zealand secondary tax code for a second job or extra income source. Uses current IRD thresholds for SB, S, SH, ST, and SA, with optional student loan suffix.
Regional Rule Context
New Zealand Rates and Rules
Secondary tax codes are based on estimated annual total income from all sources. Current rates before ACC levies: SB 10.5% up to $15,600; S 17.5% from $15,601 to $53,500; SH 30% from $53,501 to $78,100; ST 33% from $78,101 to $180,000; SA 39% above $180,000.
Enter Values
Include income from all jobs and other taxable sources
Estimated income from the second job or extra payer
Result
Enter values above and click Calculate to see your result.
AI Assistant
Ask about this calculator
I can help you understand the nz secondary tax code calculator formula, interpret your results, and answer follow-up questions.
Try asking
Estimate the secondary tax code to give an employer or payer for a second income source. Rates are before ACC levies and are based on total annual income from all sources.
Disclaimer: This calculator uses publicly available rules effective as of Apr 1, 2025 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Apr 18, 2026.
Formula
IRD secondary tax codes are chosen from your estimated total annual income, not only the second job income. The selected code sets the flat withholding rate for the secondary income source before ACC levies.
New Zealand FAQs
When do I use a secondary tax code in New Zealand?
Use a secondary tax code when you receive taxable income from more than one source, such as a second job, benefit, pension, ACC payment, or paid parental leave.
What are the current NZ secondary tax codes?
The current secondary codes are SB, S, SH, ST, and SA. The code depends on your estimated total annual income from all sources.
Are secondary tax rates before ACC?
Yes. IRD lists secondary tax rates before ACC levies, so ACC deductions may still apply separately to liable earnings.
What if I have a student loan?
If you have an NZ student loan, the secondary tax code normally has SL added, such as S SL or SH SL.
Can IRD change my tax code?
Yes. IRD may ask your payer to change your tax code if it appears unsuitable, to help avoid an end-of-year bill or overpayment.
How do I add this NZ Secondary Tax Code Calculator to my site?
Absolutely. Use the "Embed" option above to tailor the dimensions, color scheme, and styling to match your site. Copy the generated iframe snippet and drop it into your HTML, WordPress editor, or any CMS. There is no cost and no account required. See calculory.com/services/embed-calculators for a step-by-step walkthrough.
AI Assistant
Ask about this calculator
I can help you understand the nz secondary tax code calculator formula, interpret your results, and answer follow-up questions.
Try asking
More New Zealand Calculators
Secure and Private
All calculations run locally. Your New Zealand tax and salary data never leaves your browser.
Verified Precision
Precise New Zealand Calculations Powered by Calculory AI