NZ Superannuation 2027 Calculator — Eligibility & Payment
Calculate your New Zealand Superannuation payment for 2027 — including the single/couple rates, age 65 eligibility, 10-year residency requirement, and offset for overseas pensions.
Eligibility at 65
NZ Super starts the day you turn 65. You must have been a NZ resident for at least 10 years since age 20, with 5 of those years after age 50. No means test — everyone who qualifies gets it, regardless of other income.
Weekly Rates 2026/27
Single living alone: NZ$575.30/week (after tax M code). Single sharing: NZ$530.91. Couple, both qualify: NZ$443.78 each. These are AFTER-tax M code rates; gross rates are higher and PAYE deducts at your tax code.
Tax Code Choice (M, SM)
Default M code if NZ Super is your main income (lower tax). SM (Super Main) is similar. S codes for secondary employment income alongside NZ Super. Pick the code that matches the order of your income sources.
Overseas Pension Offset
If you receive an equivalent overseas pension (UK, AU, Canada, etc.), NZ Super is reduced dollar-for-dollar by that pension amount. Special bilateral agreements complicate calculations — contact Senior Services for an exact assessment.
Source: msd.govt.nz NZ Super rates April 2026. Last updated: May 2026.