Thinking about retirement in New Zealand? Whether you’re getting close to 65 or already there, knowing how NZ Superannuation works in 2025 is key to making the most of your golden years.
Let’s break down the payments, who qualifies, and what happens if you keep working or have other income sources.
Overview
New Zealand Superannuation (NZ Super) is a government pension for people aged 65 and over. It’s a non-means-tested benefit, meaning it’s available no matter how much money or assets you have.
Payments are made every second Tuesday and are based on things like your tax code, who you live with, and whether you’re still working.
You can even receive NZ Super while you’re working—just remember your tax code and income can affect how much ends up in your pocket.
Eligibility
Not everyone over 65 gets NZ Super automatically. Here’s what you’ll need:
- Be 65 years old or older.
- Be a New Zealand citizen, permanent resident, or hold an NZ residence class visa.
- Be living in NZ, the Cook Islands, Niue, or Tokelau when applying.
- Have lived in New Zealand for at least 10 years since age 20 (with five of those after age 50).
Sounds simple, right? Just make sure your residency is sorted before you apply.
Applying
Applying for NZ Super isn’t hard, but it’s best to be prepared. Here’s a quick checklist:
- Confirm you meet the age and residency rules.
- Gather your documents—passport, birth certificate, and proof of address.
- Apply online through Work and Income New Zealand (WINZ) or go to a local office.
- Provide bank details and tax information.
- Wait a few weeks for processing and keep an eye out for any follow-ups.
Once approved, you’ll start receiving payments every second Tuesday.
Payments
The amount you get depends on your living situation and your tax code. Here’s a breakdown for 2025:
Singles (per fortnight)
| Living Situation | M (10.5%) | S (17.5%) | SH (30%) | ST (33%) | SA (39%) |
|---|---|---|---|---|---|
| Living alone or with dependent child | $1,043.24 | $1,001.24 | $849.74 | $813.38 | $740.66 |
| Living with non-dependent adult | $964.84 | $926.84 | $787.42 | $753.76 | $686.34 |
Couples (each person)
| Situation | M (10.5%) | S (17.5%) | SH (30%) | ST (33%) | SA (39%) |
|---|---|---|---|---|---|
| Both partners qualify | $803.48 | $761.48 | $646.22 | $618.56 | $563.24 |
| Only one partner qualifies | $803.48 | $761.48 | $646.22 | $618.56 | $563.24 |
Remember, the lower your tax rate, the higher your take-home amount. Choose your tax code carefully!
Dates
Here are the NZ Super paydays for 2025. Payments land every second Tuesday, unless it’s a public holiday—then they come early.
| Month | Payment Dates |
|---|---|
| January | 14th, 28th |
| February | 11th, 25th |
| March | 11th, 25th |
| April | 8th, 22nd |
| May | 6th, 20th |
| June | 3rd, 17th |
| July | 1st, 15th, 29th |
| August | 12th, 26th |
| September | 9th, 23rd |
| October | 7th, 21st |
| November | 4th, 18th |
| December | 2nd, 16th, 30th |
These predictable payments help you plan your budget like clockwork.
Work
Still want to work after 65? You’re not alone—and it’s totally fine. You can still get NZ Super, but:
- Your total income may change your tax code.
- You might see a lower net payment because of tax.
- Benefits like the Accommodation Supplement could be reduced.
Basically, keep an eye on your total income and update your tax code accordingly.
Overseas
Have a pension from another country? Here’s what to know:
- NZ has Social Security Agreements with some countries to prevent double payments.
- Your NZ Super may be adjusted based on what you receive from overseas.
- Always declare any foreign pensions to WINZ to avoid future issues.
Even if you have another pension, it won’t necessarily disqualify you—but it could reduce your NZ payment.
NZ Super is a great safety net for those heading into retirement. The system is designed to be fair and flexible, especially for those still working or receiving other benefits.
With consistent payment dates and clear eligibility rules, it’s easy to plan ahead. Whether you’re living alone, with a partner, or still clocking in at work, knowing your entitlements helps you take control of your retirement years.
FAQs
Who is eligible for NZ Super?
Anyone aged 65+ with proper residency and time lived in NZ.
Can I work and still get NZ Super?
Yes, but your tax code and benefits may change.
How often are NZ Super payments made?
Every second Tuesday, throughout the year.
Do overseas pensions affect NZ Super?
Yes, they may reduce your NZ Super payments.
Where do I apply for NZ Super?
Online at WINZ or at a local Work and Income office.
