The gap is driven by the headline tax structure — no special regime applied. Both countries are indicated in USD at the displayed FX.
| Personal income tax progressive · top 45% | $24,722 |
| Social security 2.0% employee · uncapped | $2,000 |
| Total deductions | $26,722 |
| Gross income | $100,000 |
| Net take-home | $73,278 |
| Personal income tax progressive · top 39% | $26,865 |
| Social security 1.4% employee · capped | $1,199 |
| Total deductions | $28,064 |
| Gross income | $100,000 |
| Net take-home | $71,936 |
| Instrument | Australia · USD | New Zealand · USD | Δ (NZ − AU) |
|---|---|---|---|
I. Personal income tax | |||
Personal income tax AUprogressive · top 45%NZprogressive · top 39% | $24,722 | $26,865 | +$2,143 |
| subtotal · personal income tax | $24,722 | $26,865 | +$2,143 |
II. Mandatory social security & health | |||
Medicare Levy +2% of taxable income. Superannuation is employer-paid. AU2.0% · uncappedNZ— | $2,000 | — | −$2,000 |
ACC earner levy 1.39% on first NZD 142,283. AU—NZ1.4% · capped NZ$142,283 | — | $1,199 | +$1,199 |
| subtotal · mandatory social security & health | $2,000 | $1,199 | −$801 |
| Total deductions | $26,722 | $28,064 | +$1,341 |
| Effective rate | 26.7% | 28.1% | 1.3 pp |
| Gross income | $100,000 | $100,000 | — |
| Net take-home | $73,278 | $71,936 | −$1,341 |
Table 1 · Statutory deductions, single-filer remote worker, FY2026 indicative. All amounts in USD. n/a where instrument does not apply. | |||
| PPP basis · NYC = 100 | Australia | New Zealand | Δ |
|---|---|---|---|
Cost-of-living index Indicative · placeholder until COL table ships | 80.0 | 72.0 | -8.0 pts |
Nominal net (annual) From the engine — exact | $73,278 | $71,936 | −$1,341 |
| Real net · New Zealand basket | $65,950 | $71,936 | +$5,986 |
Every line above can be traced to a primary instrument. We publish the model; you may toggle its parameters.
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