# Cardiologist Salary in New Zealand

> 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.

- Canonical URL: https://www.spotsalary.com/salary/cardiologist/new-zealand-nz
- Currency: NZD
- Benchmark year: 2026
- Confidence: 50%
- Outlook: Growing
- Last updated: 2026-10-30T13:10:27+00:00
- Generated by: SpotSalary

## Key facts

- Median (mid-level) annual salary: **NZ$353.6K** (NZ$29,466 per month before tax).
- Middle 50% range (P25–P75): NZ$152.9K – NZ$669.3K.
- Full range (P10–P90): NZ$123.8K – NZ$753.8K.
- Experience band: 3–5 years.

## Salary by experience level

| Level | Experience | P10 | P25 | Median | P75 | P90 | Base / Bonus / Equity |
| --- | --- | ---: | ---: | ---: | ---: | ---: | --- |
| Entry | 0–2 yrs | NZ$165K | NZ$200.4K | NZ$235.7K | NZ$271.1K | NZ$318.2K | 95% / 5% / 0% |
| Mid | 3–5 yrs | NZ$123.8K | NZ$152.9K | NZ$353.6K | NZ$669.3K | NZ$753.8K | 88% / 8% / 4% |
| Senior | 6–9 yrs | NZ$354.8K | NZ$430.8K | NZ$506.8K | NZ$582.8K | NZ$684.2K | 80% / 10% / 10% |
| Executive | 10–15 yrs | NZ$495K | NZ$601.1K | NZ$707.2K | NZ$813.3K | NZ$954.7K | 65% / 15% / 20% |

## Take-home pay

Tax method: progressive brackets.

| Level | Gross | Tax | Effective rate | Net annual | Net monthly |
| --- | ---: | ---: | ---: | ---: | ---: |
| Entry | NZ$235,727 | NZ$71,011 | 30.1% | NZ$164,716 | NZ$13,726 |
| Mid | NZ$353,590 | NZ$116,978 | 33.1% | NZ$236,613 | NZ$19,718 |
| Senior | NZ$506,813 | NZ$176,734 | 34.9% | NZ$330,078 | NZ$27,507 |
| Executive | NZ$707,180 | NZ$254,878 | 36.0% | NZ$452,303 | NZ$37,692 |

Social contributions and local levies are not included.

## Five-year salary outlook

Outlook: Growing. Inflation assumption: 2.8%/year. Real growth: 2.7%/year.

| Year | P25 | Base (P50) | P75 | Nominal change vs today |
| --- | ---: | ---: | ---: | ---: |
| 2027 | NZ$349K | NZ$372.9K | NZ$396.7K | 5.5% |
| 2029 | NZ$384.8K | NZ$414.6K | NZ$444.5K | 17.3% |
| 2031 | NZ$424.2K | NZ$461K | NZ$497.9K | 30.4% |

## What moves this number

- **Inflation (CPI)** (steady): 2.8% annual price growth
- **Wage growth** (up): 3.2% nominal wage trend
- **Role demand trend** (up): 2.0% annual role demand
- **Hiring demand** (steady): Demand index 51/100
- **Automation exposure** (steady): 10% exposure
- **Real wage growth** (up): 2.7% after 2.8% inflation
- **Scenario growth** (up): 5.5% modelled nominal growth

## Frequently asked questions

### What is the average salary of a Cardiologist in New Zealand?

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.

### How much does an entry-level Cardiologist earn in New Zealand?

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.

### How much does a senior or executive Cardiologist earn in New Zealand?

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.

### What is the salary outlook for a Cardiologist in New Zealand?

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.

### What is the take-home pay for a Cardiologist in New Zealand?

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.

### How does SpotSalary calculate these salary estimates?

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.

## Methodology and sources

SpotSalary anchors estimates to external market signals (GDP per capita PPP, inflation, wage growth, cost of living, demand and automation exposure) and synthesises them with AI. Deterministic validation rejects implausible outputs. Figures are modelled estimates for guidance only, not offers.

Sources:
- Fiji (derived data)

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Source: https://www.spotsalary.com/salary/cardiologist/new-zealand-nz · SpotSalary