{
    "url": "https://www.spotsalary.com/salary/cardiologist/auckland-nz-1554435911",
    "canonical": "https://www.spotsalary.com/salary/cardiologist/auckland-nz-1554435911",
    "headline": "Cardiologist Salary in Auckland, New Zealand",
    "description": "Median Cardiologist salary in Auckland, New Zealand is NZ$368K per year. Compare P10–P90 salary bands by experience, take-home pay and a five-year outlook.",
    "occupation": {
        "name": "Cardiologist",
        "slug": "cardiologist",
        "family": "healthcare",
        "soc_code": "29-1211",
        "aliases": [
            "Heart Specialist"
        ],
        "description": null
    },
    "location": {
        "name": "Auckland, New Zealand",
        "slug": "auckland-nz-1554435911",
        "type": "city",
        "iso2": "NZ",
        "currency": "NZD"
    },
    "period": 2026,
    "confidence": 50,
    "status": "published",
    "method": "nearest_neighbor",
    "updated_at": "2026-10-30T18:53:42+00:00",
    "salary_bands": [
        {
            "level": "entry",
            "years_experience": [
                0,
                2
            ],
            "p10": 171744.77,
            "p25": 208547.22,
            "p50": 245349.67,
            "p75": 282152.12,
            "p90": 331222.05,
            "base_share": 95,
            "bonus_share": 5,
            "equity_share": 0
        },
        {
            "level": "mid",
            "years_experience": [
                3,
                5
            ],
            "p10": 128808.57,
            "p25": 159093.21,
            "p50": 368024.5,
            "p75": 696594.07,
            "p90": 784526.75,
            "base_share": 88,
            "bonus_share": 8,
            "equity_share": 4
        },
        {
            "level": "senior",
            "years_experience": [
                6,
                9
            ],
            "p10": 369251.25,
            "p25": 448376.51,
            "p50": 527501.78,
            "p75": 606627.05,
            "p90": 712127.4,
            "base_share": 80,
            "bonus_share": 10,
            "equity_share": 10
        },
        {
            "level": "executive",
            "years_experience": [
                10,
                15
            ],
            "p10": 515234.3,
            "p25": 625641.65,
            "p50": 736049,
            "p75": 846456.35,
            "p90": 993666.15,
            "base_share": 65,
            "bonus_share": 15,
            "equity_share": 20
        }
    ],
    "take_home": {
        "currency": "NZD",
        "tax_rate": 33.31491653408945,
        "top_rate": null,
        "method": "progressive",
        "label": "progressive brackets",
        "standard_deduction": 0,
        "rebate": 0,
        "source": "PwC Worldwide Tax Summaries",
        "source_url": "https://taxsummaries.pwc.com/new-zealand/individual/taxes-on-personal-income",
        "retrieved_at": "2026-10-23T00:00:00.000000Z",
        "verified": true,
        "notes": "resident; excludes independent earner tax credit",
        "bands": [
            {
                "level": "entry",
                "gross": 245349.67,
                "taxable": 245349.67,
                "tax": 74763.8713,
                "effective_rate": 30.47237491699092,
                "net_annual": 170585.7987,
                "net_monthly": 14215.483225000002,
                "method": "progressive",
                "top_rate": null,
                "standard_deduction": 0,
                "rebate": 0,
                "source": "PwC Worldwide Tax Summaries",
                "source_url": "https://taxsummaries.pwc.com/new-zealand/individual/taxes-on-personal-income",
                "retrieved_at": "2026-10-23T00:00:00.000000Z",
                "verified": true,
                "notes": "resident; excludes independent earner tax credit"
            },
            {
                "level": "mid",
                "gross": 368024.5,
                "taxable": 368024.5,
                "tax": 122607.05500000001,
                "effective_rate": 33.31491653408945,
                "net_annual": 245417.445,
                "net_monthly": 20451.45375,
                "method": "progressive",
                "top_rate": null,
                "standard_deduction": 0,
                "rebate": 0,
                "source": "PwC Worldwide Tax Summaries",
                "source_url": "https://taxsummaries.pwc.com/new-zealand/individual/taxes-on-personal-income",
                "retrieved_at": "2026-10-23T00:00:00.000000Z",
                "verified": true,
                "notes": "resident; excludes independent earner tax credit"
            },
            {
                "level": "senior",
                "gross": 527501.78,
                "taxable": 527501.78,
                "tax": 184803.19420000003,
                "effective_rate": 35.03366267313828,
                "net_annual": 342698.5858,
                "net_monthly": 28558.215483333333,
                "method": "progressive",
                "top_rate": null,
                "standard_deduction": 0,
                "rebate": 0,
                "source": "PwC Worldwide Tax Summaries",
                "source_url": "https://taxsummaries.pwc.com/new-zealand/individual/taxes-on-personal-income",
                "retrieved_at": "2026-10-23T00:00:00.000000Z",
                "verified": true,
                "notes": "resident; excludes independent earner tax credit"
            },
            {
                "level": "executive",
                "gross": 736049,
                "taxable": 736049,
                "tax": 266136.61,
                "effective_rate": 36.15745826704472,
                "net_annual": 469912.39,
                "net_monthly": 39159.36583333334,
                "method": "progressive",
                "top_rate": null,
                "standard_deduction": 0,
                "rebate": 0,
                "source": "PwC Worldwide Tax Summaries",
                "source_url": "https://taxsummaries.pwc.com/new-zealand/individual/taxes-on-personal-income",
                "retrieved_at": "2026-10-23T00:00:00.000000Z",
                "verified": true,
                "notes": "resident; excludes independent earner tax credit"
            }
        ]
    },
    "outlook": {
        "direction": "growing",
        "inflation_pct": 2.8,
        "real_growth_pct": 2.65,
        "forecasts": [
            {
                "year": 2027,
                "scenario": "base",
                "p25": 363244.6,
                "p50": 388081.84,
                "p75": 412919.07,
                "confidence": 44,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2027,
                "scenario": "conservative",
                "p25": 358077.53,
                "p50": 382561.47,
                "p75": 407045.4,
                "confidence": 44,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2027,
                "scenario": "optimistic",
                "p25": 368411.66,
                "p50": 393602.2,
                "p75": 418792.74,
                "confidence": 44,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
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                ]
            },
            {
                "year": 2029,
                "scenario": "base",
                "p25": 400464.9,
                "p50": 431535.46,
                "p75": 462606.01,
                "confidence": 32,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2029,
                "scenario": "conservative",
                "p25": 383617.3,
                "p50": 413380.72,
                "p75": 443144.13,
                "confidence": 32,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2029,
                "scenario": "optimistic",
                "p25": 417798.69,
                "p50": 450214.11,
                "p75": 482629.52,
                "confidence": 32,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2031,
                "scenario": "base",
                "p25": 441466.22,
                "p50": 479854.59,
                "p75": 518242.96,
                "confidence": 30,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2031,
                "scenario": "conservative",
                "p25": 410948.15,
                "p50": 446682.77,
                "p75": 482417.39,
                "confidence": 30,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2031,
                "scenario": "optimistic",
                "p25": 473771.03,
                "p50": 514968.51,
                "p75": 556165.99,
                "confidence": 30,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.2% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 51/100",
                        "weight": "medium",
                        "direction": "steady"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "2.7% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "5.5% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            }
        ]
    },
    "skills": [],
    "sources": [
        {
            "name": "Fiji",
            "url": null,
            "type": "nearest_donor",
            "tier": "derived"
        }
    ],
    "faqs": [
        {
            "question": "What is the average salary of a Cardiologist in Auckland, New Zealand?",
            "answer": "SpotSalary models a median annual salary of NZ$368K for a Cardiologist in Auckland, New Zealand, or about NZ$30,669 per month before tax. The middle 50% of the estimate ranges from NZ$159.1K to NZ$696.6K, with a full P10–P90 range of NZ$128.8K to NZ$784.5K. This is a modelled estimate, not a job offer."
        },
        {
            "question": "How much does an entry-level Cardiologist earn in Auckland, New Zealand?",
            "answer": "The entry-level band for a Cardiologist in Auckland, New Zealand centres on NZ$245.3K per year (P25–P75: NZ$208.5K–NZ$282.2K). Entry-level pay typically covers the first 2 years of experience and depends on company size, skills and responsibilities."
        },
        {
            "question": "How much does a senior or executive Cardiologist earn in Auckland, New Zealand?",
            "answer": "The executive band for a Cardiologist in Auckland, New Zealand has a median of NZ$736K per year and a P75 of NZ$846.5K. Senior and executive packages often include a larger bonus and equity component; this benchmark shows the total-compensation split for each level."
        },
        {
            "question": "What is the salary outlook for a Cardiologist in Auckland, New Zealand?",
            "answer": "The outlook is growing. In the base scenario, median pay reaches NZ$479.9K by 2031, about 30.4% above today before inflation and 2.7% per year in real terms after 2.8% inflation. Scenario bands widen over time and are not guarantees."
        },
        {
            "question": "What is the take-home pay for a Cardiologist in Auckland, New Zealand?",
            "answer": "After an effective income tax rate of 33.3%, the mid-level Cardiologist in Auckland, New Zealand takes home about NZ$245,417 per year, or NZ$20,451 per month. The estimate uses imported national tax brackets and does not include social contributions or local levies."
        },
        {
            "question": "How does SpotSalary calculate these salary estimates?",
            "answer": "Estimates are anchored to external market signals — GDP per capita PPP, inflation, wage growth, cost of living, demand and automation exposure — and synthesised with AI. Deterministic validation rejects implausible outputs. This report carries 50% confidence and draws on 7 salary observations."
        }
    ],
    "related": {
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        ],
        "occupation_hub": "https://www.spotsalary.com/occupations/cardiologist",
        "location_hub": "https://www.spotsalary.com/locations/auckland-nz-1554435911",
        "all_salaries": "https://www.spotsalary.com/salaries"
    },
    "citation": {
        "plain": "Cardiologist Salary in Auckland, New Zealand. SpotSalary. https://www.spotsalary.com/salary/cardiologist/auckland-nz-1554435911",
        "updated_at": "2026-10-30T18:53:42+00:00"
    }
}