Highest Take-Home
United States
2025 · California
26.2%
effective tax rate
Take-home
$73,812
$6,151/mo
Income 13% State 4% Social 9%
On a $100,000 salary, you'd take home $73,812 in United States versus $71,516 in New Zealand.
United States
$73,812
+$2,296/year
New Zealand
$71,516
That's $191 more per month in United States
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 Great Outdoors
Adventure seekers and tech professionals often find themselves torn between the high-octane career ladders of California and the rugged, laid-back landscapes of Aotearoa. While the US draws those hungry for global influence and vast opportunities, New Zealand attracts families and remote workers looking for a slower pace and a deeper connection to nature.
Vibes Over Receipts
Living in the States often feels like a high-stakes game of hustle where convenience is king and everything is built for scale. Conversely, New Zealand offers a more communal vibe where work-life balance isn't just a buzzword, though you'll trade the massive American consumer choice for a simpler, more local way of life.
The Tax Maze
The American system is a complex puzzle of federal and state layers, especially in places like California where multiple agencies want a piece of your paycheck. New Zealand keeps things refreshingly simple with a single national system, meaning far less paperwork and no regional surprises when you move between cities.
What Your Money Buys
In the US, your contributions go toward a massive global infrastructure and retirement safety nets, though you'll often pay separately for private health insurance. In New Zealand, your 'ACC' levy provides unique world-first accident cover, and your taxes fund a public healthcare system that removes the stress of medical billing.
The Bottom Line
If you are a high earner looking to maximize raw income, the American structures often favor the bold, despite the complex filing requirements. However, if you value simplicity and a society where the tax system is designed to be invisible so you can enjoy your weekend, New Zealand is the clear winner.
Detailed tax breakdown
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