You must be 65 or older to qualify for NZ Super
Interest, dividends, rental income, etc.
You May Be Eligible
You meet the age requirement for NZ Superannuation (65+).
Gross Fortnightly
$1,074.08
Net Fortnightly (after tax)
$928.12
Annual (gross)
$27,926.08
Everything you need to know about NZ Super
What is NZ Superannuation?
NZ Superannuation (NZ Super) is a fortnightly payment from the government for people aged 65 and over who meet residency requirements. Unlike Australia's Age Pension, NZ Super is not means-tested -- everyone who qualifies receives the same base rate regardless of income or assets.
Rates depend on living situation
The rate you receive depends on whether you are single and living alone, single and sharing accommodation, or married/in a civil union or de facto relationship. Couples each receive their own individual payment at the couple rate.
Tax on NZ Super
NZ Super is taxable income. Tax is deducted before you receive your payment using the "M" tax code (if it is your only income) or "S" code (if you have other income). Your net payment depends on your tax code and other income.
Residency requirements
You must have lived in New Zealand for at least 10 years since age 20, with 5 of those years being since age 50. Time spent in countries with social security agreements may count towards this requirement.
Work and Income NZ Rates: This calculator uses current rates for the 2025-26 tax year. For the most up-to-date rates, check the Work and Income website or contact them directly.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms
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