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🇳🇿 Retire in New Zealand

Tax rates, cost of living, special programs, and top cities for international investors and retirees.

Tax system

worldwide

Cheapest city

Christchurch ~$1,945/mo

Tax System Overview

New Zealand has NO capital gains tax — one of few developed countries. Dividends and interest taxed at marginal rates (up to 39%). FIF rules tax foreign shares on a deemed 5% return. No wealth tax.

  • ✓No wealth tax

What Would You Pay?

Estimated annual tax on different levels of investment income (capital gains + dividends + interest):

Annual Investment IncomeEstimated TaxEffective Rate
$50,000$6,60013.2%
$100,000$13,20013.2%
$200,000$26,40013.2%

Assumes 60% capital gains, 25% dividends, 15% interest. Actual tax depends on your specific income mix.

Sources — New Zealand tax data

Last verified 2026-04-12

Top Cities in New Zealand

Christchurch

$1,945/month

Wellington

$2,445/month

Auckland

$3,194/month

Tax Calculator

Compare your tax bill across specific cities in New Zealand.

Move & Save Simulator

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Tax rates and programs are subject to change. Information is current as of 2026. Always consult a qualified tax professional before making relocation decisions.