Compare Your Net Take-Home Pay Across the Tasman
Are you weighing up a move from Australia to New Zealand, or vice versa? Wondering where your salary will stretch further after tax? This calculator makes it easy. Simply enter your annual salary in either AUD or NZD, and see instant, accurate results for both countries:
- Net income in Australia (after tax, Medicare, and offsets)
- Net income in New Zealand (after tax, ACC, and KiwiSaver)
- Live currency conversion applied
The results will show you which country offers the higher net salary for your current or planned income.
How Our Calculator Works
- Enter your gross annual salary and select your base currency (AUD or NZD).
- The calculator uses up-to-date tax rules for both Australia and New Zealand for 2025.
- It applies the latest AUD ↔ NZD exchange rate for a fair comparison.
- You’ll instantly see:
- Net take-home pay in each country
- Which country wins, and by how much
Australia vs. New Zealand Salary Comparison
Why use this calculator?
- Accurate & Transparent: Takes into account income tax, levies, offsets (Australia), and ACC & KiwiSaver (New Zealand)
- Updated Rates: Calculations reflect the latest tax brackets and currency conversion
- Easy & Quick: No complex forms or personal info needed—results update instantly as you type
Complete Tax Picture – Need More Detail?
While our Australia vs New Zealand Salary Comparison Calculator gives you a quick overview, real-world tax situations are often more complex. Our comparison tool uses standard assumptions that may not reflect your personal circumstances:
What’s Not Included:
- Australia: Medicare Levy Surcharge, HELP/HECS repayments, Family Tax Benefit, private health insurance rebates
- New Zealand: Student loan repayments, additional KiwiSaver contributions (above 3%), Working for Families credits
For complete accuracy, use our detailed calculators:
- Australian Income Tax Calculator – Include HELP debt, Medicare Levy Surcharge, and private health considerations
- Income Tax Calculator New Zealand – Add student loans, higher KiwiSaver rates, and family credits
Is It Better to Work in Australia or New Zealand?
Your net income can vary significantly depending on local tax systems, social security costs, and exchange rates. Use this calculator to see how your salary stacks up, whether you plan to:
- Switch countries for work
- Negotiate a cross-border job offer
- Decide where your lifestyle budget goes further
FAQs
Q: Does this calculator include all deductions?
A: It covers standard deductions: income tax, Medicare levy, LITO offsets (Australia), and base KiwiSaver + ACC levies (New Zealand). For personalized calculations including student loans or health insurance, use our detailed country-specific calculators above.
Q: Which exchange rate is used?
A: The calculator fetches the latest live AUD/NZD exchange rate automatically every time you use it.
Q: Can I use it if I’m self-employed?
A: This calculator is designed for standard employee PAYE situations, not self-employment or contractor incomes.