Income-tested New Zealand Superannuation

What to do if your partner doesn't qualify for their own New Zealand Superannuation (NZ Super).

From 9 November 2020, we won’t be accepting any new applications to include your partner in your payments. Find out about these changes here.

Who can get income-tested NZ Super

If you have a partner who doesn't already qualify for their own New Zealand Superannuation (NZ Super), you can choose to include them in your payments.

However, if you and your partner get over a certain amount, it may not be to your financial advantage to include them in your payment.

Other income - what you need to know

  • If your partner's included in your payments, you can have combined other income of up to $5,980 (before tax) a year before your NZ Super is affected. If you earn more than this, we'll take 70c off your payments for each dollar of income over this limit.
  • It wouldn't be to your financial advantage to have your partner included if you and your partner have a combined annual income of $30,716.40 or more (before tax), not including NZ Super. This is because the total NZ Super paid to you both would be less than what would be paid to you if your partner wasn't included.
  • Income includes wages, bank interest, investments, rental income, dividends from shares, income from trusts, etc. It also includes deprivation of any income or property by you and/or your partner.
  • If either of you receive overseas benefits or pensions, we may reduce your NZ Super payments dollar-for-dollar.

Talk with us - we can help you work out the best option.

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