WhereTo.Work

Tax Regime Analysis:

• Krakow uses Polish employee tax, standard progressive rates with a 30k PLN allowance.
• Wellington applies New Zealand PAYE system with multiple brackets and ACC contributions.

Tax Parameters:

• Poland: 12% up to 120k PLN, 32% above; allowance 30k PLN; ZUS 13.71% capped at 177,660 PLN; health approx 4.5% of gross.
• New Zealand: 10.5%‑39% brackets; no allowance; ACC 1.21% of gross; Kiwi Saver ~3% of gross.

Cost-of-Living Data:

• Krakow: rent $200, meal $7.5, iPhone $799, cappuccino $3 (source: Numbeo 2024, exchange 1 USD≈4 PLN).
• Wellington: rent $1,080, meal $18, iPhone $799, cappuccino $3 (source: Numbeo 2024, exchange 1 USD≈1.67 NZD).

Net Salary Calculations:

• Poland: Gross 223,116 PLN → deductions 55,027 PLN → net 168,089 PLN ≈ $42,022.
• New Zealand: Gross 101,793 NZD → deductions 28,223 NZD → net 73,570 NZD ≈ $44,142.

Purchasing-Power Comparison:

• Monthly cost Krakow ≈ $210.5; Wellington ≈ $1,101.
• PPP multiplier (B relative to A) = 1,101 / 210.5 ≈ 0.19, indicating lower purchasing power in Wellington.

Comparison Conclusion:

• Krakow scores 78/100 vs Wellington 65/100; Krakow wins by 13 points.

Confidence and Caveats:

• High confidence due to verified tax calculations.
• Estimates rely on current exchange rates and average cost data.
• NZD/USD volatility may affect long‑term comparisons.