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The current rates of New Zealand Superannuation (NZ Super rates) below give a broad idea of how much the state pension is this year. Could we live on that? If not, it’s time to put some other plans in place. 

Standard rates from 1 April 2021

Here are the current superannuation rates of NZ Super from 1 April 2021 after tax has been deducted at rate 'M'. For other tax codes, see the Work and Income website.


Standard NZ Super Rates (for tax code M)

Qualifying as

Weekly rate

Annual rate

Single: living alone



Single: sharing



Married, civil union or de facto couple: one partner qualifies (and the other is not included)



Married, civil union or de facto couple: both partners qualify



Married, civil union or de facto couple: one partner qualifies and the other is included*



Source: Ministry of Social Development 

* If you have a partner who doesn't already qualify for their own NZ Super, you can choose to include them in your payments. If you do this both partners could get paid, but any other income earned could affect how much you get. 

For help working out the best option, Work and Income can be reached on 0800 552 002.


To find out exactly what you’re entitled to, call Work and Income on 0800 552 002 (you’ll need to have your IRD number handy) or there’s the Work and Income website.