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.
Frequently Asked Questions
Will the age go up?
Government floated raising eligibility age to 67 by 2040 but no legislation has passed. Current age remains 65 for 2027.
Can I get NZ Super while still working?
Yes. There is no means test or income limit. You'll pay PAYE on combined income via secondary tax codes (S, SH, ST).
Does my spouse get half if not eligible?
Yes, you can elect to include a non-qualified partner in your NZ Super (couple rate), but their other income reduces the payment dollar-for-dollar above a threshold.
What about Australian Age Pension?
AU Age Pension reduces NZ Super dollar-for-dollar. Bilateral agreement means you don't lose total income — you just receive less from NZ and more from Australia.
Is my data private?
Yes. All calculations run in your browser. Inputs are never sent, stored, or shared.