Tax Code Guide
Understand common M, ME and secondary tax codes and student loan suffixes.
Your numbers,
in plain sight.
Enter your details and calculate to see your breakdown.
Useful estimates. Clear assumptions.
This guide explains common codes. It does not select your code or replace the IR330 declaration. Special employment situations and tailored codes need Inland Revenue guidance.
See calculation rules & official sources ↗Your next useful calculation.
Salary Calculator
Your take-home pay after income tax, ACC, KiwiSaver and student loan deductions.
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See each tax band and how much of your income is taxed at each rate.
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Explore annual, monthly, fortnightly and weekly take-home pay.
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Work backwards from your target take-home pay to a gross salary.
Open calculatorGood questions. Clear answers.
Is this an official Inland Revenue calculator?
No. Free Tax Calculator NZ is an independent estimate tool. Our rates are linked to official sources, but we are not affiliated with or endorsed by Inland Revenue.
Why could my payslip show a different amount?
We annualise steady earnings. Payroll rounding, secondary jobs, tailored codes, partial years, benefits and irregular lump sums can produce different results. Check your employer’s calculation or Inland Revenue for payroll decisions.
Do I need an account?
No. All calculators work without an account. An optional account lets you save and reopen calculations.
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Calculations run in your browser. Saving sends inputs to your account on this server. Inputs included in page URLs are also visible to the server when you open or reload those links. Review a link before sharing it.