GrabMyTax NZ·AU

Quick Code Finder

Select the option that matches your situation to get your recommended tax code.

I have one job and it's my main income source

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One job, expected annual income $24K–$66K

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I work at two or more places (side job / part-time)

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I'm a contractor or freelancer (not permanent employment)

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Recommended Tax Code

← Select an option on the left

All Tax Codes

Code Details

MMain Income

One job — main income source

The most common code. Used by most working holiday makers with a single employer.

Use this when

—You have one job and it's your main income
—Annual income is below $24K or above $66K
—First job in NZ (safest default choice)

Most Common

MEMain + IETC

Main income + IETC tax credit

Same as M but with Independent Earner Tax Credit (IETC) automatically applied. Save up to $520/year.

Use this when

—One job, expected annual income $24,000 – $66,000
—You're a NZ tax resident
—Use M if you're a non-resident

Tax Saving

SBSecondary — Bracket 1

Second job (up to $14K bracket)

For your second or additional job. Choose SB/S/SH/ST based on combined income bracket.

Use this when

—Second job income falls in the up to $14,000 bracket
—Main job + part-time work
—All combined income expected under $14K

Secondary

SSecondary — Bracket 2

Second job ($14K–$48K bracket)

Use for a second job when income falls in the $14,001–$48,000 bracket.

Use this when

—Second job income is in $14K–$48K bracket
—Higher-earning part-time work alongside main job

Secondary

SHSecondary — Bracket 3

Second job ($48K–$70K bracket)

Use for a second job when income falls in the $48,001–$70,000 bracket.

Use this when

—Second job income is in $48K–$70K bracket
—High-income professional side work

Secondary

STSecondary — Bracket 4

Second job ($70K+ bracket)

For a second job earning over $70,001. Uncommon for working holiday makers.

Use this when

—Second job income exceeds $70K per year
—High-income IT or finance professionals

Secondary

Comparison at a Glance

Comparison at a Glance

Code	When to Use	IETC Credit	Recommended	Rate
M	Main job, single income	✕	★ Default pick	Standard progressive
ME	Main job, $24K–$66K	✓ up to $520	★ Best for tax saving	Standard progressive
SB	Second job, low income	✕	If you have a side job	17.5% flat
S	Second job, mid income	✕	If you have a side job	30% flat
SH	Second job, high income	✕	If applicable	33% flat
ST	Second job, top income	✕	If applicable	39% flat

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Code sorted? Now calculate your refund

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right tax code