Most of the gap is opened by Indonesia's Indonesia 4-Year Territoriality regime, which displaces the standard schedule. Both countries are indicated in USD at the displayed FX.
| Personal income tax four_year_concession · 0% flat | — |
| Social security 3.0% employee · uncapped | $3,000 |
| Total deductions | $3,000 |
| Gross income | $100,000 |
| Net take-home | $97,000 |
| 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 | Indonesia · USD | New Zealand · USD | Δ (NZ − ID) |
|---|---|---|---|
I. Personal income tax | |||
Personal income tax IDfour_year_concession · 0% flatNZprogressive · top 39% | — | $26,865 | +$26,865 |
| subtotal · personal income tax | $0 | $26,865 | +$26,865 |
II. Mandatory social security & health | |||
BPJS ~3% total. ID3.0% · uncappedNZ1.4% · capped NZ$142,283 | $3,000 | $1,199 | −$1,801 |
| subtotal · mandatory social security & health | $3,000 | $1,199 | −$1,801 |
| Total deductions | $3,000 | $28,064 | +$25,064 |
| Effective rate | 3.0% | 28.1% | 25.1 pp |
| Gross income | $100,000 | $100,000 | — |
| Net take-home | $97,000 | $71,936 | −$25,064 |
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 | Indonesia | New Zealand | Δ |
|---|---|---|---|
Cost-of-living index Indicative · placeholder until COL table ships | 32.0 | 72.0 | +40.0 pts |
Nominal net (annual) From the engine — exact | $97,000 | $71,936 | −$25,064 |
| Real net · New Zealand basket | $218,250 | $71,936 | −$146,314 |
Every line above can be traced to a primary instrument. We publish the model; you may toggle its parameters.
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