Highest Take-Home
Australia
2025-26
28.0%
effective tax rate
Take-home
$71,980
$5,998/mo
Income 25% Social 2% Other 1%
On a $100,000 salary, you'd take home $71,980 in Australia versus $71,516 in New Zealand.
Australia
$71,980
+$465/year
New Zealand
$71,516
That's $39 more per month in Australia
Side-by-side breakdown
New Zealand
2025-26
28.5%
effective tax rate
Take-home
$71,516
$5,960/mo
Income 27% Social 1%
Tax rate by income level
Effective Tax Rate by Income
Shows effective tax rate (total tax / gross income) at different income levels in USD
Understanding the difference
Life & Taxes
Chasing the Tasman Dream
Whether it is young professionals flocking to Sydney's hustle or families seeking New Zealand's rugged serenity, the 'ditch jump' is a rite of passage. Both nations attract global talent hungry for a balanced life, but they offer distinct flavors of adventure and career growth.
Sunsets and Latte Vibes
Life in Australia often feels like a high-energy outdoor playground with a higher cost of living to match, while New Zealand offers a more grounded, community-focused pace. You are choosing between the vibrant, sun-drenched metropolises of the lucky country and the lush, laid-back landscapes of Aotearoa.
The Tax Man's Toll
Australia rewards lower earners with a generous tax-free threshold, but the top rates can bite harder for high-flyers. Conversely, New Zealand starts taxing you from the first dollar earned but keeps the top marginal rate noticeably lower, offering a simpler structure for those climbing the corporate ladder.
Safety Nets and Surcharges
In Australia, the Medicare system is a cornerstone of life, though those without private cover might face extra surcharges. New Zealand simplifies things with the ACC, a unique 24/7 no-fault accident insurance that covers everyone from surfers to office workers, funded by a small levy on your earnings.
The Ultimate Verdict
Australia is the place to maximize raw earning power and enjoy a bustling city lifestyle, while New Zealand is the winner for those seeking a simpler tax regime and an unparalleled connection to nature. Your choice ultimately depends on whether you value a higher tax-free start or a lower ceiling at the top.
Detailed tax breakdown
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