{
    "url": "https://www.spotsalary.com/salary/cardiologist/new-zealand-nz",
    "canonical": "https://www.spotsalary.com/salary/cardiologist/new-zealand-nz",
    "headline": "Cardiologist Salary in New Zealand",
    "description": "Median Cardiologist salary in New Zealand is NZ$353.6K 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": "New Zealand",
        "slug": "new-zealand-nz",
        "type": "country",
        "iso2": "NZ",
        "currency": "NZD"
    },
    "period": 2026,
    "confidence": 50,
    "status": "published",
    "method": "nearest_neighbor",
    "updated_at": "2026-10-30T13:10:27+00:00",
    "salary_bands": [
        {
            "level": "entry",
            "years_experience": [
                0,
                2
            ],
            "p10": 165008.76,
            "p25": 200367.78,
            "p50": 235726.8,
            "p75": 271085.82,
            "p90": 318231.18,
            "base_share": 95,
            "bonus_share": 5,
            "equity_share": 0
        },
        {
            "level": "mid",
            "years_experience": [
                3,
                5
            ],
            "p10": 123756.57,
            "p25": 152853.41,
            "p50": 353590.2,
            "p75": 669272.94,
            "p90": 753756.81,
            "base_share": 88,
            "bonus_share": 8,
            "equity_share": 4
        },
        {
            "level": "senior",
            "years_experience": [
                6,
                9
            ],
            "p10": 354768.83,
            "p25": 430790.73,
            "p50": 506812.62,
            "p75": 582834.51,
            "p90": 684197.04,
            "base_share": 80,
            "bonus_share": 10,
            "equity_share": 10
        },
        {
            "level": "executive",
            "years_experience": [
                10,
                15
            ],
            "p10": 495026.28,
            "p25": 601103.34,
            "p50": 707180.4,
            "p75": 813257.46,
            "p90": 954693.54,
            "base_share": 65,
            "bonus_share": 15,
            "equity_share": 20
        }
    ],
    "take_home": {
        "currency": "NZD",
        "tax_rate": 33.08283939996075,
        "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": 235726.8,
                "taxable": 235726.8,
                "tax": 71010.95199999999,
                "effective_rate": 30.124259099941114,
                "net_annual": 164715.848,
                "net_monthly": 13726.320666666667,
                "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": 353590.2,
                "taxable": 353590.2,
                "tax": 116977.678,
                "effective_rate": 33.08283939996075,
                "net_annual": 236612.522,
                "net_monthly": 19717.710166666668,
                "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": 506812.62,
                "taxable": 506812.62,
                "tax": 176734.4218,
                "effective_rate": 34.87174841857726,
                "net_annual": 330078.1982,
                "net_monthly": 27506.516516666667,
                "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": 707180.4,
                "taxable": 707180.4,
                "tax": 254877.85600000003,
                "effective_rate": 36.04141969998037,
                "net_annual": 452302.544,
                "net_monthly": 37691.878666666664,
                "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": 348997.77,
                "p50": 372860.87,
                "p75": 396723.96,
                "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": 344033.36,
                "p50": 367557.01,
                "p75": 391080.66,
                "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": 353962.18,
                "p50": 378164.72,
                "p75": 402367.26,
                "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": 2029,
                "scenario": "base",
                "p25": 384758.26,
                "p50": 414610.19,
                "p75": 444462.12,
                "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": 368571.44,
                "p50": 397167.5,
                "p75": 425763.56,
                "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": 401412.2,
                "p50": 432556.24,
                "p75": 463700.29,
                "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": 424151.46,
                "p50": 461034.2,
                "p75": 497916.93,
                "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": 394830.34,
                "p50": 429163.41,
                "p75": 463496.48,
                "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": 455189.24,
                "p50": 494770.92,
                "p75": 534352.59,
                "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 New Zealand?",
            "answer": "SpotSalary models a median annual salary of NZ$353.6K for a Cardiologist in New Zealand, or about NZ$29,466 per month before tax. The middle 50% of the estimate ranges from NZ$152.9K to NZ$669.3K, with a full P10–P90 range of NZ$123.8K to NZ$753.8K. This is a modelled estimate, not a job offer."
        },
        {
            "question": "How much does an entry-level Cardiologist earn in New Zealand?",
            "answer": "The entry-level band for a Cardiologist in New Zealand centres on NZ$235.7K per year (P25–P75: NZ$200.4K–NZ$271.1K). 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 New Zealand?",
            "answer": "The executive band for a Cardiologist in New Zealand has a median of NZ$707.2K per year and a P75 of NZ$813.3K. 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 New Zealand?",
            "answer": "The outlook is growing. In the base scenario, median pay reaches NZ$461K 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 New Zealand?",
            "answer": "After an effective income tax rate of 33.1%, the mid-level Cardiologist in New Zealand takes home about NZ$236,613 per year, or NZ$19,718 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": {
        "occupation_locations": [
            {
                "headline": "Cardiologist Salary in South Africa",
                "url": "https://www.spotsalary.com/salary/cardiologist/south-africa-za"
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                "url": "https://www.spotsalary.com/salary/cardiologist/saint-lucia-lc"
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        ],
        "occupation_hub": "https://www.spotsalary.com/occupations/cardiologist",
        "location_hub": "https://www.spotsalary.com/locations/new-zealand-nz",
        "all_salaries": "https://www.spotsalary.com/salaries"
    },
    "citation": {
        "plain": "Cardiologist Salary in New Zealand. SpotSalary. https://www.spotsalary.com/salary/cardiologist/new-zealand-nz",
        "updated_at": "2026-10-30T13:10:27+00:00"
    }
}