Retirement in New Zealand comes with the assurance of government support through NZ Superannuation, often called NZ Super. This program ensures every eligible senior gets a basic income to help cover daily expenses once they reach 65 years old. Unlike private pensions that rely on how much you’ve contributed, NZ Super is tax-funded and universal — you don’t need to have worked or saved a certain amount to receive it.
NZ Super is flexible. You can still work, earn other income, or share living costs with a partner, and still receive the pension. The amount you get depends on your living situation — for example, whether you’re living alone, with others, or with a qualifying partner. Payments are made every two weeks and adjusted each year to match inflation and wages.
This guide covers everything you need to know about NZ Superannuation in 2025, including how much you’ll receive, who can apply, how to apply, what happens if you live abroad, and where to get help if needed.
Benefits of NZ Superannuation
- Regular income: Paid every two weeks to support your cost of living.
- Universal access: No need to meet income or asset tests.
- Flexible use: You can still work or earn other income.
- Adjusted annually: Keeps up with inflation and wage increases.
- SuperGold Card: Offers discounts on travel and local services for seniors.
Payment Schedule in 2025
Payments are made every second Tuesday. Here are the main dates:
- May: 6, 20
- June: 3, 17
- July: 1, 15, 29
- August: 12, 26
If a payment date is a public holiday, it will be processed earlier.
Who Is Eligible?
To qualify for NZ Super in 2025, you must:
- Be 65 years old or older.
- Be a New Zealand citizen or permanent resident.
- Live in New Zealand, Cook Islands, Niue, or Tokelau.
- Have lived in NZ for at least 10 years since age 20, with at least 5 years after age 50.
By 2042, the residency rule will increase from 10 to 20 years.
How to Apply for NZ Superannuation
You can apply up to 12 weeks before your 65th birthday. Here’s how:
- Check your eligibility at Work and Income NZ.
- Prepare documents:
- Proof of identity (passport, driver’s license, or birth certificate)
- Bank account details
- IRD (tax) number
- Partner’s details (if applying as a couple)
- Apply online or visit a local Work and Income office.
- Wait for approval: Processing usually takes 2–3 weeks.
- Start receiving payments after approval.
Apply early to avoid payment delays.
Living Overseas? Here’s What Happens
If you move abroad, your NZ Super payments may be affected. It depends on:
- Where you move: Countries like Australia and the UK have agreements with NZ, so you may still receive full or partial payments.
- How long you stay: If you’re gone for more than 26 weeks, payments may stop unless there’s a social security agreement.
- Other income: Overseas pensions may affect how much you receive.
Before moving, contact Work and Income for advice.
Contact and Support
For questions or help:
- Work and Income Website: www.workandincome.govt.nz
- Phone (NZ only): 0800 552 002
- International callers: +64 9 913 0300
- Visit a local office: Find the nearest one on the Work and Income website.
For updates on pension changes, visit the official NZ Super page.