Employed by Kraken's Australian entity. Night flights each way. Any part-day on the ground in NZ counts as a full NZ day (Student Loan Scheme Act s 24). The 32-day / 184-day test is only for the student loan, not tax residency. Staying with parents in Wellington is cheaper, and is also a permanent-place-of-abode fact. Money in NZD and AUD.
Kraken listing range was $119k–$150k plus 12% super.
SG rate is 12% from 1 July 2025 onward.
Only counted when the box above is unticked. Basic hospital cover often costs less than the surcharge at this income.
Ticked: interest-free, you pay 12% of worldwide income above the threshold yourself. Unticked: 5.6% interest + a fixed minimum that does not drop if the balance later falls.
$24,128 for the 2025–26 and 2026–27 tax years (year ending 31 March).
Assumes a night WLG→MEL the evening before, so that calendar date is your last NZ day.
MEL evening, land WLG next morning. Return: WLG evening, land MEL next morning. Landing morning and NZ departure date both count as NZ days.
Each visit = 2 flights. MEL–WLG one-way: cheap ~$160, typical ~$250, Dec peak ~$410+.
Does not cancel the Melbourne gym line unless you freeze it.
Rent, gym, utilities and hospital cover are billed 52 weeks even while you are in NZ. Food and Melbourne transport are charged only for days you are actually in Melbourne.
| Scenario | One-way | Per trip (2 legs) | Per year (all trips) |
|---|
| Item | AUD/yr | NZD/yr | AUD/wk |
|---|
AUD/wk column is the annual amount ÷ 52, matching how rent and gym are billed.
| Approach | Interest (NZD) | Clears in |
|---|
Estimates only, not tax or financial advice. AU tax: 2026–27 resident brackets + 2% Medicare + MLS if no hospital cover.
NZ loan: s 24 partial days count in full; 32 days in every 184-day period; 12% above $24,128 if NZ-based; 5.6% overseas interest from 1 Apr 2026.
Tax residency is a different test (183 days or a permanent place of abode). This page does not model NZ tax or a DTA top-up.