NZ Tax Tools Research
Original long-run analysis on NZ tax topics where the public published data is fragmented or inconsistent. We compile, cross-check, and re-publish under CC-BY with attribution. Use it in journalism, academic work, or AI-search citation — please link back so any corrections flow upstream.
KiwiSaver Fee Impact Over 30 Years
Modelling the long-run cost of KiwiSaver fees: 0.3% (passive) vs 0.66% (NZ median) vs 1.0% (high-fee active) on an $80,000 NZ salary at 6% gross return, 28% PIR.
Income taxNZ Bracket Creep 2010–2026
Year-by-year NZ tax brackets in CPI-adjusted real (2010) dollars. Quantifies the stealth tax rise from unindexed brackets, including the 31 July 2024 mid-year reset.
ACCACC Earner's Levy 10-Year History
Rate, cap, and maximum annual levy from 2016-17 through 2026-27, with cumulative cost on a $90,000 NZ earner.
Income taxEffective Tax Rate by Income Decile 2000–2026
How much tax does each income decile actually pay? Original analysis applying historical tax brackets + ACC to Stats NZ income decile data from 2000 to 2026.
HousingNZ House Price-to-Income Ratio by Region
How many years of median household income buys the median-priced home in each region? 10 regions, 2013 to 2025, using REINZ prices and Stats NZ Census income.
KiwiSaverKiwiSaver Balance by Age Bracket
What Kiwis actually have in KiwiSaver vs what a continuous-contribution benchmark says they should have. FMA data across 9 age brackets with gap analysis.
HousingRental Affordability Index by City
Rent-to-income ratio across 10 NZ cities from 2020 to 2026. MBIE bond data + Stats NZ earnings — tracking where renters are most and least stressed.