NZ Superannuation Age 65 Eligibility Calculator 2027
Check NZ Super eligibility 2027 — age 65+, NZ residency 10 years (5 after age 50), no asset test. Calculate fortnightly payment by living situation.
Eligibility Criteria 2027
Age 65+. NZ citizen/permanent resident. 10 years residence since age 20. At least 5 years since age 50. Living in NZ at application. No asset or income test.
Rate Categories
Single living alone: NZ$564/fortnight gross. Single sharing: NZ$521. Married/de facto both qualifying: NZ$434 each. Married only one qualifying: NZ$434 (working partner doesn't get share).
Tax Treatment
NZ Super is fully taxable income. Use M tax code if Super is your primary income. M-SL tax code if you have student loan. Pension provider deducts PAYE before paying.
Top-Ups Available
Accommodation Supplement (rent assistance, asset/income tested). Winter Energy Payment (May-Oct, $20/wk single, $31/wk couple). Disability Allowance.
Source: workandincome.govt.nz NZ Super eligibility rules. Last updated: May 2026.
Frequently Asked Questions
What about overseas pension?
NZ Super reduced dollar-for-dollar by overseas pension received. Includes UK State Pension, Australian Age Pension, US Social Security (with bilateral agreements).
Can I work and get Super?
Yes. Work income doesn't reduce NZ Super (universal payment). But work income + Super both taxed normally. Marginal rate may push higher with both.
What if I leave NZ?
Can take NZ Super overseas for up to 26 weeks. Past 26 weeks, payments stop unless permanent migration agreement (UK, AU, IE, NL etc).