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
Chasing Sun and History
Young professionals often flock to London's global energy while families head to New Zealand for its legendary outdoor-centric lifestyle. Whether you are seeking the frantic pace of a European financial hub or the quiet serenity of the South Island, both countries offer a magnetic pull for ambitious expats.
Pubs versus Peaks
Life in the UK is defined by rich history, cozy local pubs, and being a gateway to Europe, though the gray skies are a constant companion. Meanwhile, New Zealand offers a literal breath of fresh air with a work-to-live culture that prioritizes surfing or hiking over staying late at the office.
The Tax Bracket Battle
The UK keeps it simple with fewer brackets but a higher top rate that bites harder for high earners once their personal allowance starts to disappear. New Zealand uses a more graduated staircase with five steps, meaning your tax burden climbs more steadily as your career progresses.
The Social Safety Net
In the UK, National Insurance helps fund the NHS and state pensions, providing a comprehensive but often strained public service. New Zealand takes a unique approach with its ACC levy, a world-first no-fault insurance scheme that covers personal injuries for everyone in the country.
The Ultimate Verdict
If you are a high-flyer looking for lower top-tier tax rates, New Zealand's 39% cap is more attractive than the UK's 45% peak. However, the UK's generous tax-free allowance provides a fantastic buffer for those just starting out or working part-time.
Detailed tax breakdown
Related comparisons
Compare all 140+ countries
See how United Kingdom and New Zealand rank globally