Tax & Deductions Comparison

See how your income is distributed in New Zealand and Australia.

New Zealand Income

$
NZD

Australia Income

$
AUD
$
AUD
$
AUD

New Zealand Breakdown

Enter an income above to see the breakdown.

Australia Breakdown

Enter an income above to see the breakdown.

Notes & Assumptions

Assumptions

  • You are a resident for tax purposes for the entire financial year.
  • The income entered is your sole source of income.
  • You are not eligible for special tax offsets or credits (e.g., NZ IETC, AU LITO).
  • Standard ACC and Medicare levy rates apply without exemptions or surcharges.
  • Currency exchange rates are not factored into the comparison.
  • Assumes minimum employer contributions for KiwiSaver.
  • Does not factor in overseas student loan repayments.

Other Key Differences

  • Injury Insurance: NZ has a universal, no-fault ACC scheme funded by levies. Australia uses state-based workers' compensation schemes, typically funded by employer insurance premiums.
  • Capital Gains Tax (CGT): Australia has a broad CGT regime. NZ does not have a general CGT but taxes certain property sales via rules like the bright-line test.
  • Goods & Services Tax (GST): The rate is 15% in NZ and 10% in AU,
  • State Taxes: Australia has state-level taxes (e.g., stamp duty, land tax, payroll tax) not present in NZ's unitary system.
  • Other Revenue: Both countries levy Fringe Benefit Tax (FBT) and company taxes. Australia also has a Luxury Car Tax.

Official Resources

NZ Tax Rates (IRD) NZ ESCT Info (IRD) AU Tax Rates (ATO) AU Deductions (ATO) AU Superannuation (ATO)

Disclaimer: This tool is for informational purposes only. Calculations are based on rates and data accurate as of July 1, 2025, and are not guaranteed. This information should not be considered financial or tax advice. Please consult a qualified professional for advice tailored to your specific situation.