Highest Take-Home
United Kingdom
2025-26 · London
27.9%
effective tax rate
Take-home
$72,137
$6,011/mo
Income 23% Social 5%
On a $100,000 salary, you'd take home $72,137 in United Kingdom versus $71,516 in New Zealand.
United Kingdom
$72,137
+$621/year
New Zealand
$71,516
That's $52 more per month in United Kingdom
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
A Tale of Two Hemispheres
Whether you're a young professional seeking the hustle of London’s global hub or a family chasing the rugged, outdoor serenity of Aotearoa, the migration path between the UK and NZ is well-trodden. These two nations share deep cultural roots, but they offer vastly different lifestyles, from the historic pubs of England to the pristine coastlines of the Pacific.
Pints vs. Peaks
Life in the UK is defined by its architectural history and proximity to Europe, offering a fast-paced urban energy and world-class arts. Meanwhile, New Zealand trades the big-city grit for a 'work-to-live' ethos where your commute might involve a view of the mountains and your weekends are spent in the surf.
The Tax Logic Divide
The UK keeps things simple with fewer tax bands but hits harder at the top end to fund its extensive infrastructure. In contrast, New Zealand uses a more granular five-tier system that lacks a tax-free starting zone, though it compensates with lower top-tier rates for high achievers.
Safety Nets and Levies
United Kingdom residents contribute to National Insurance to fund the iconic NHS and state pensions, creating a comprehensive social blanket. New Zealanders pay a unique ACC levy, a world-first 'no-fault' insurance scheme that covers personal injuries regardless of how they happened, reflecting the country's adventurous spirit.
The Bottom Line
If you are a high-flyer looking to keep a larger slice of your paycheck, New Zealand's lower ceiling is enticing, especially with no regional surcharges to worry about. However, the UK's generous personal allowance makes it incredibly attractive for those starting their careers or working part-time, proving that where you thrive depends on where you sit on the ladder.
Detailed tax breakdown
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