Start Receiving NZ Super in 2025: If you’re turning 65 in 2025, it’s time to start thinking about your New Zealand Superannuation (NZ Super)—the government pension that provides financial support for older residents. Understanding when you can start receiving NZ Super, how much you’ll get, and what steps you need to take is essential to preparing for this new chapter of life. Whether you’re still working or planning to retire, NZ Super can provide valuable income stability.
In this comprehensive guide, we’ll break down eligibility criteria, payment timelines, how to apply, and key considerations like living overseas or working while receiving payments. It’s designed to be clear enough for anyone to understand—while also offering in-depth guidance for those looking for more detailed information.
Start Receiving NZ Super in 2025
| Category | Details |
|---|---|
| Eligibility Age | 65 years old |
| Payment Start | First full payment begins after 65th birthday and application approval |
| Residence Requirement | Varies from 10–20 years based on DOB; includes 5 years since age 50 |
| Payment Frequency | Fortnightly (every second Tuesday) |
| Rates (2025–2026) | $497–$538 weekly (single), $828 each (couples) – after tax |
| Application Timeline | Apply up to 12 weeks before turning 65 |
| Official Source | Work and Income NZ |
Reaching 65 is a major milestone—and qualifying for NZ Superannuation can bring welcome financial peace of mind. Whether you’re planning to retire or keep working, NZ Super ensures you receive reliable fortnightly income.
To avoid missing out:
- Know your eligibility
- Apply early
- Set up your MyMSD account
- Double-check your tax code if you’re still working
Understanding how NZ Super works means you’ll step into retirement—or your next chapter—with clarity and confidence.
What Is NZ Superannuation?
NZ Super is New Zealand’s universal pension system. It’s paid out by the Ministry of Social Development (MSD) through Work and Income and is designed to provide basic income support for eligible seniors once they reach age 65. Unlike many pensions, it is not means-tested, which means most citizens who meet age and residency requirements will qualify—regardless of how much money they’ve saved or what assets they own.
It’s important to understand that NZ Super is taxable income and will appear on your tax records. How much you get depends on your living situation and the tax code that applies to you.
Who Is Eligible for NZ Super in 2025?
To qualify for NZ Super in 2025, you need to meet a few key conditions:
Age Requirement:
- You must be 65 years or older.
Residency and Citizenship:
- Be a New Zealand citizen, permanent resident, or hold a residence class visa.
Living in NZ or Associated Territories:
- Be ordinarily resident in New Zealand, the Cook Islands, Niue, or Tokelau when you apply.
Residency Duration:
- You must have lived in New Zealand for at least 10 years since age 20, with 5 years after turning 50.
- Starting from 1 July 2024, the total required years of residence will increase depending on your birth year:
| Date of Birth | Minimum Years of Residence |
|---|---|
| Before 30 June 1959 | 10 years |
| 1 Jul 1959 – 30 Jun 1961 | 11 years |
| 1 Jul 1961 – 30 Jun 1963 | 12 years |
| … | … |
| 1 Jul 1977 and later | 20 years |
NZ Super Payment Rates for 2025–2026
Your payment depends on your living situation and tax code. Below are the weekly payments from 1 April 2025, assuming the default ‘M’ tax code:
| Living Situation | Weekly Amount | Fortnightly Amount |
|---|---|---|
| Single, living alone | $538.42 | $1,076.84 |
| Single, sharing accommodation | $497.00 | $994.00 |
| Couple (both qualify) | $828.34 each | $1,656.68 combined |
| Couple (only one qualifies) | $828.34 total | $828.34 total |
Payments are subject to change annually. If you’re still earning income from other sources (e.g., part-time work), this could affect the tax code applied and the net amount you receive.
When Do Payments Start?
NZ Super payments don’t start automatically on your birthday—you need to apply. Once your application is approved:
- Payments begin the week after your 65th birthday, based on the date your application is approved.
- Payments are made every second Tuesday.
2025 Payment Dates:
NZ Super is paid on these Tuesdays (subject to public holidays):
- 14 January
- 28 January
- 11 February
- …
Apply for NZ Super – Start Receiving NZ Super in 2025
You can apply 12 weeks before your 65th birthday. Here’s how:
- Register for MyMSD:
- Visit MyMSD
- Create an account using your IRD and RealMe login
- Submit Application:
- Log into MyMSD and complete the NZ Super application form
- Upload required documents:
- Proof of identity (passport, birth certificate)
- Proof of address
- Bank account details
- Await Confirmation: You’ll be notified via MyMSD or mail once approved
- Alternatively, you can apply in person at any Work and Income office.
Can You Work and Still Receive NZ Super?
Yes, you can continue to work full-time or part-time after turning 65 and still receive NZ Super. There is no income limit or penalty—but remember:
- Your total income may affect your tax bracket
- You may need to use a different tax code like “STC” (secondary tax code)
- Tip: Talk to a tax advisor or check Inland Revenue for help determining your correct tax code.
What If You Live Overseas?
You might still be able to receive NZ Super if you move or retire overseas, but certain rules apply:
New Zealand Has Social Security Agreements With:
- Australia
- Canada
- The United Kingdom
- The Netherlands
- …and others
These agreements allow for portability of NZ Super under certain conditions. However, how much you receive—and for how long—depends on your host country.
Before moving, contact Work and Income to find out how your payments may be affected or paused. Visit the official Overseas NZ Super page.
FAQs On Start Receiving NZ Super in 2025
When should I apply for NZ Super?
You can apply up to 12 weeks before your 65th birthday. Early applications help avoid delays.
Do I need to stop working to receive NZ Super?
No. You can continue working full-time or part-time and still receive payments.
How do I know what tax code to use?
Your total income determines your tax code. Check with IRD or your employer’s payroll team.
What if I miss applying before my 65th birthday?
You can still apply afterward, but you won’t be back-paid unless there’s a valid reason.
Will NZ Super increase in future years?
Yes. Payment rates are reviewed annually and adjusted based on wage and inflation levels.
