Adjust anything on the left and every number updates instantly. Uses the corrected 2026-27 Australian tax rates (second bracket cut to 15% from 1 July 2026), with optional super, Medicare Levy Surcharge, and one-off moving costs.
Paid on top of salary into retirement. Shown separately, not in take-home.
AU resident rates + 2% Medicare. Loan becomes overseas-based (interest applies).
Adds the Medicare Levy Surcharge (1 to 1.5%) if income is over $105k. Hospital cover is usually cheaper.
1-bed inner Melbourne approx $550 to $650. Flatshare approx $250 to $350.
Private hospital cover approx $25 to $45/wk. Avoids the surcharge above.
Overseas minimum for your balance. Overpay to clear faster.
| Item | Weekly | Monthly | Yearly |
|---|
| Annual payment (NZD) | Years to clear | Total interest |
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Estimates only, not financial or tax advice. AU tax uses 2026-27 resident rates
(0 / 15 / 30 / 37 / 45 percent) plus 2% Medicare. Verify in myIR and with the ATO.