You don’t pay less tax until you make about $145k. No tax free threshold in NZ rates are similar at different thresholds. GST 15% not 10%. No super. There is KiwiSaver and you can choose to contribute 4% and the company will match that 4% plus the real kicker, good luck finding a house in Auckland under a million that your missus would live in. And before anyone else asks, no you shouldn’t commute.